
12417 MONTALCINO CIRCLE, WINDERMERE, FL, 34786
Active14 days on marketListed Jul 20, 2026MLS #O6425494
About this home
12417 MONTALCINO CIRCLE
Welcome to this impeccably designed, all-on-one-floor luxury custom home located in one of the most sought-after gated communities of Windermere, Casa Del Lago, where timeless Mediterranean architecture meets refined Florida living. This exceptional home offers four bedrooms and four full bathrooms and is thoughtfully designed with custom details, designer features, modern décor, graceful indoor-outdoor flow, and resort-style outdoor living. From the moment you arrive, the home makes a lasting impression with its classic barrel tile roof, stone-accented exterior, brick-paved driveway, lush landscaping, and charming private courtyard entry. Inside, you are greeted with style and elegance, welcomed by soaring ceilings, elegant archways, rich crown molding, designer lighting, beautiful travertine flooring throughout the main living areas, and hardwood flooring in the bedrooms. The bright and inviting formal living and piano room features tray ceiling details and expansive sliding glass doors that open to the covered lanai and pool area, creating a seamless connection between indoor comfort and outdoor relaxation. The open layout flows beautifully into the family room, making it ideal for everyday living and entertaining. The family room showcases a beautiful onyx wall with an electric fireplace and built-in surround sound system, creating a warm and elegant focal point for the home. The gourmet kitchen offers granite countertops, custom cabinetry, premium appliances, a built-in oven, microwave, refrigerator, dishwasher, disposal, gas cooking, kitchen exhaust hood, and a water filtration system. It connects to the butler’s area, which leads to the formal dining room. The private owner’s suite is thoughtfully separated from the secondary bedrooms, offering a sense of personal sanctuary and a peaceful retreat with generous space and a luxurious bathroom featuring dual vanities, a garden tub, and a frameless glass shower. Additional bedrooms provide comfort and flexibility for family, guests, or a home office. The home also features custom built-in closet shelving, providing excellent storage and organization. The outdoor living area is truly special, featuring a screened covered lanai with rich wood ceiling detail, built-in surround sound system, gas grill, outdoor vent hood, dining area, and lounge space overlooking the sparkling heated pool and jacuzzi/spa. Surrounded by tropical landscaping, palm trees, privacy walls, fencing, water features, and multiple seating areas, the backyard creates a private resort-style setting perfect for relaxing, entertaining, and enjoying beautiful Florida evenings — with the added charm of being close enough to enjoy Disney-area fireworks. Additional upgrades include a Tesla charger connection and thoughtful custom features throughout the home. This home offers convenient access to Disney theme parks, world-class entertainment, shopping, restaurants, major highways, and some of the area’s top public and private schools, including nearby Windermere Preparatory School. A rare opportunity to own a custom luxury home with timeless design, elegant finishes, privacy, and exceptional indoor-outdoor living in one of Central Florida’s most desirable locations. This home is truly a dream come true.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,166
Sqft
0.2 ac
Lot size
2
Garage
2012
Year built
One
Levels
$504
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.
$10,472 /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
$10,472/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
+47.1%
$/sqft vs Windermere actives
$504 vs $342
Days on market
14 vs 43 typical
Where $504/sqft sits among the 237 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 Casa Del Lago
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Windermere. See the full Windermere guide →
Casa Del Lago — neighborhood snapshot
Population
444
Median age
38
Median income
$87,571
Median home value
$388,900
Avg household
3
Households w/ children
60%
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
$875K → $975K
Windermere median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
110 of 237
Windermere actives have cut their price
Median sold price, Windermere, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 103% above the WINDERMERE 34786 median. See the full Windermere market guide →
Paper trail
This home's history
Reality check
What actually sold near 12417 MONTALCINO CIRCLE
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$725,000
11701 FITZGERALD BUTLER ROAD
5 bd · 3 ba · 3,217 sqft · $225/sqft · 0 DOM
Sold · Jun ’26$753,000
11919 GOLD CREEK TRAIL
4 bd · 3.5 ba · 3,102 sqft · $243/sqft · 0 DOM
Sold · Jan ’26$1,400,000
11474 CLAYMONT CIRCLE
5 bd · 4 ba · 3,238 sqft · $432/sqft · 5 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 12417 MONTALCINO CIRCLE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12417 MONTALCINO CIRCLE — 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
12417 MONTALCINO CIRCLE FAQs
What would the monthly payment be for 12417 MONTALCINO CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,472/mo — principal and interest, the actual property-tax bill, the $150/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 12417 MONTALCINO CIRCLE?+
The association fee works out to $150 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12417 MONTALCINO CIRCLE?+
The most recent tax bill on record (2025) was $11,488. 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 12417 MONTALCINO CIRCLE?+
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 $1,595,000, this home is listed about 48% above the Windermere median of $1,077,500. The market section on this page shows how the area is trending.
Which schools are assigned to 12417 MONTALCINO CIRCLE?+
Sunset Park 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
01Positioned at the premium end
$1,595,000 runs 103% above the WINDERMERE 34786 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Sunset Park Elementary, Horizon West Middle, Windermere High — Sunset Park Elementary rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY LLC · Aziz Elbrak. MLS #O6425494.
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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