
13449 CARROWAY STREET, WINDERMERE, FL, 34786
Active7 days on marketListed Jul 17, 2026MLS #O6425485
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
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 and the real association fee — not generic estimates.
$3,514 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,514/mo
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
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
Drive times from this address
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
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 49% below the WINDERMERE 34786 median. See the full Windermere market guide →
Paper trail
This home's history
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.
Sold · Jul ’26$357,000
12981 BORLAND ST
2 bd · 2.5 ba · 1,360 sqft · $263/sqft · 1 DOM
Sold · Mar ’26$350,000
7422 BENTONSHIRE AVENUE
2 bd · 2.5 ba · 1,360 sqft · $257/sqft · 14 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 13449 CARROWAY STREET — start here.

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.
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.
Keep looking
Similar homes nearby
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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