13303 PENSHURST LANE, WINDERMERE, FL, 34786
Active11 days on marketListed Jul 13, 2026MLS #O6423867
About this home
13303 PENSHURST LANE
Prime Windermere location just a couple miles from luxury, million-dollar estates and minutes from Windermere Downtown. Families appreciate access to top-rated schools, while the home’s proximity to world-class Disney Parks and Disney Springs adds exceptional lifestyle convenience. The property features two updated AC systems — one replaced in 2020 for the separate mother-in-law suite and another brand-new unit installed in 2024 for the main house. The detached mother-in-law residence offers outstanding flexibility, providing a private, comfortable space ideal for extended family or young adults learning independence, or even long-term guests who benefit from having their own dedicated living area. The community includes professional landscaping through the HOA, ensuring a clean, well-maintained environment year-round. With quick access to major roadways, shopping, dining, and Windermere’s charming lakeside town center, this home delivers exceptional value in one of Central Florida’s most desirable areas.
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
2,959
Sqft
0.2 ac
Lot size
2
Garage
2015
Year built
Two
Levels
$226
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$4,776 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,776/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−3%
$/sqft vs Windermere actives
$226 vs $349
Days on market
11 vs 32 typical
Where $226/sqft sits among the 239 Windermere actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
The investor lens
Two ways this home pays
This home sits inside Lakeside Village, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$3,100/mo median
Live Windermere rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Lakeside Village
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Lakeside Village is a short-term-rental community. See the full guide →
Lakeside Village — neighborhood snapshot
Population
19,390
Median age
36
Median income
$123,605
Median home value
$489,452
Avg household
3
Households w/ children
2,897
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Windermere market
$839K → $1.0M
Windermere median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
115 of 239
Windermere actives have cut their price
Median sold price, Windermere, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 17% below the WINDERMERE 34786 median. See the full Windermere market guide →
Paper trail
This home's history
Reality check
What actually sold near 13303 PENSHURST LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$750,000
13254 PENSHURST LANE · same community
5 bd · 3.5 ba · 3,720 sqft · $202/sqft · 96 DOM
Sold · Oct ’25$619,000
13260 PENSHURST LANE · same community
4 bd · 3 ba · 2,076 sqft · $298/sqft · 6 DOM
Sold · Oct ’25$560,000
7266 PENKRIDGE LANE · same community
3 bd · 2 ba · 1,971 sqft · $284/sqft · 6 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 13303 PENSHURST LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13303 PENSHURST LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
13303 PENSHURST LANE FAQs
What would the monthly payment be for 13303 PENSHURST LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,776/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 13303 PENSHURST LANE?+
The most recent tax bill on record (2025) was $8,999. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 13303 PENSHURST LANE be rented short-term?+
Yes — this home sits inside Lakeside Village, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 13303 PENSHURST LANE?+
The listing reports pets: Cats OK, Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Windermere?+
At $669,900, this home is listed about 39% below the Windermere median of $1,099,500. The market section on this page shows how the area is trending.
Which schools are assigned to 13303 PENSHURST LANE?+
Bay Lake Elementary (elementary), Horizon West Middle (middle), Windermere High (high) — Orange County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the WINDERMERE 34786 market on paper
$669,900 is 17% below the WINDERMERE 34786 median of $804,500, and at $226/sqft it sits under the Windermere average of $447.
02Zoned for nightly rentals
Lakeside Village is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Strong assigned schools
Bay Lake Elementary, Horizon West Middle, Windermere High — Bay Lake Elementary rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of UNITED REALTY GROUP INC · Ernesto Lopez. MLS #O6423867.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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