David Ramirez
$409,9003 bd3 ba1,387 sqft$296 /sqft$3,514 /mo all-in ↓

13449 CARROWAY STREET, WINDERMERE, FL, 34786

Active7 days on marketListed Jul 17, 2026MLS #O6425485

Priced 49% below the WINDERMERE 34786 medianTownhouseMERRICK LNDG

About this home

13449 CARROWAY STREET

Renovated, move-in ready, and rare in its layout, this updated townhome in Windermere's Merrick Landing pairs a remodeled kitchen with three genuine full bathrooms, something most townhomes in this price range simply do not offer. Inside its 1,387 square feet, a welcoming entry opens into a connected living and dining area anchored by a renovated kitchen with newer appliances. Fresh interior paint runs throughout, so the whole home feels current and cared for. A full bedroom and a full bathroom sit on the main level as well, a flexible setup that works as a guest suite, a home office, or a comfortable first-floor bedroom. Upstairs, the primary bedroom is a true owner's retreat with its own private bath and a walk-in closet. A second upstairs bedroom, a third full bathroom, and a dedicated laundry room complete the level, keeping laundry steps from the bedrooms where it belongs. A screened patio gives you a shaded outdoor spot to unwind through the Florida evenings. The practical details are handled. An attached one-car garage adds parking and storage, the HVAC has been serviced and is in good working order, new gutters are installed, and the landscaping has been refreshed. Because Merrick Landing maintains the roof, exterior, and lawn, this is genuinely low-maintenance, lock-and-leave living, and the community pool is ready for the hot afternoons with nothing for you to store or skim. Every appliance conveys, the refrigerator, range, microwave, dishwasher, washer, and dryer included, so there is nothing to buy before you move in. Built in 2003 the location puts you in the Windermere 535 corridor, close to SR 429 and the Western Beltway, minutes from the shops and restaurants around Hamlin and Winter Garden, and a short drive to the area's major attractions and employment centers. A renovated, three-full-bath townhome with a main-floor bedroom, a screened patio, and true lock-and-leave ease does not come along often at this price. Schedule your showing today.

Facts & features

The home at a glance

3

Bedrooms

3

Bathrooms

1,387

Sqft

0.08 ac

Lot size

1

Garage

2003

Year built

Two

Levels

$296

Per sqft

Pets allowed

Inside

FlooringCeramic Tile · Laminate
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Open Floorplan · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesSoutheast
ExteriorRain Gutters · Sidewalk

Community & fees

HOA fee$300/mo
Taxes (2025)$5,514/yr
PetsYes
CommunityClubhouse · Deed Restrictions

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$3,514 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,413
FHA mortgage insurance (est.)$181
Property tax — 2025 actual bill$460
HOA fee — from the listing$300
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,347Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $14,347
Interest rate6.00%
Loan term

Estimated payment

$3,514/mo

Principal & interest$2,413
FHA mortgage insurance (est.)$181
Property taxes (actual bill)$460
HOA / condo fee$300
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.

$/sqft vs Windermere actives

$296 vs $349

Days on market

7 vs 32 typical

Where $296/sqft sits among the 239 Windermere actives

130 · this home
47
24
15
6
17
$225–376$376–527$527–678$678–829$829–979$979+

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.

Where it sits

Inside Merrick Landing

Map of 13449 CARROWAY STREET inside its neighborhood boundary

Drive times from this address

Walt Disney World19 min
Universal Orlando26 min
Downtown Orlando26 min
Orlando Int’l Airport (MCO)40 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Windermere. See the full Windermere guide →

Merrick Landing — neighborhood snapshot

Population

1,444

Median age

30

Median income

$107,895

Median home value

$382,500

Avg household

3

Households w/ children

150

For the school run

Orange County School District

HighWindermere High★★★★
ElementaryKeenes Crossing Elementary★★★★★
MiddleBridgewater Middle★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Windermere market

Seller’s marketBalanced5.5 months of inventoryBuyer’s 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 49% below the WINDERMERE 34786 median. See the full Windermere market guide →

Paper trail

This home's history

Jul 17, 2026Listed at $409,900 · 7 days on market since
2003Built · MERRICK LNDG

Reality check

What actually sold near 13449 CARROWAY STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

12981 BORLAND STSold · Jul ’26

$357,000

12981 BORLAND ST

2 bd · 2.5 ba · 1,360 sqft · $263/sqft · 1 DOM

7422 BENTONSHIRE AVENUESold · Mar ’26

$350,000

7422 BENTONSHIRE AVENUE

2 bd · 2.5 ba · 1,360 sqft · $257/sqft · 14 DOM

7482 BENTONSHIRE AVENUESold · Jan ’26

$390,000

7482 BENTONSHIRE AVENUE

3 bd · 2.5 ba · 1,428 sqft · $273/sqft · 14 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 13449 CARROWAY STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 13449 CARROWAY STREET — 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.

Goes straight to David’s phone and CRM.

Straight answers

13449 CARROWAY STREET FAQs

What would the monthly payment be for 13449 CARROWAY STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,514/mo — principal and interest, the actual property-tax bill, the $300/mo association fee 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.

How much are the HOA fees at 13449 CARROWAY STREET?+

The association fee works out to $300 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 13449 CARROWAY STREET?+

The most recent tax bill on record (2025) was $5,514. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 13449 CARROWAY STREET?+

The listing reports pets: Yes. 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 $409,900, this home is listed about 63% 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 13449 CARROWAY STREET?+

Windermere High (high), Keenes Crossing Elementary (elementary), Bridgewater Middle (middle) — 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

$409,900 is 49% below the WINDERMERE 34786 median of $810,000, and at $296/sqft it sits under the Windermere average of $447.

02Fresh on the market

Only 7 days on market in a Windermere market that averages 32 — if it fits, move quickly.

03Strong assigned schools

Windermere High, Keenes Crossing Elementary, Bridgewater Middle — Windermere High rates 4 of 5. Always verify assignments with the district.

Listing courtesy of LAKESIDE REALTY WINDERMERE INC · Francisco Orchilles. MLS #O6425485.

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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