12085 SANDY SHORES DRIVE UNIT D, WINDERMERE, FL, 34786
Active4 days on marketListed Jul 20, 2026MLS #O6426164
About this home
12085 SANDY SHORES DRIVE UNIT D
Virtually Staged. **SANDY SHORES SANCTUARY** A rare 1934 Windermere Landmark on the Butler Chain of Lakes. Rich in history and timeless charm, this one-of-a-kind canal-front home offers a rare opportunity to own a piece of Old Windermere. Privately nestled beneath a canopy of oak trees in the exclusive Sandy Shores enclave, one of Windermere's most private waterfront communities, this 5-bedroom, 3-bath residence offers direct canal access to Lake Butler. Blending historic charm with modern comfort, the home has been thoughtfully updated with a remodeled kitchen and bathrooms, 2024 HVAC systems, a 2017 roof, 2021 & 2017 water heaters, a 2020 septic drain field, and a 2026 well tank. Relax on the screened-in porch or waterfront deck while enjoying peaceful canal views, all with no HOA and just minutes from downtown Windermere, Windermere Preparatory School, championship golf, upscale dining, and Orlando's premier attractions. This is an extraordinary opportunity where history, privacy, and lakefront living converge.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,831
Sqft
0.85 ac
Lot size
1
Garage
1934
Year built
One
Levels
$450
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.
$8,207 /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
$8,207/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
+75.4%
$/sqft vs Windermere actives
$450 vs $347
Days on market
4 vs 32 typical
Where $450/sqft sits among the 245 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 Sandy Shores
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Windermere. See the full Windermere guide →
Sandy Shores — neighborhood snapshot
Population
851
Median age
46
Median income
$166,793
Median home value
$1,026,300
Avg household
3
Households w/ children
102
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)
118 of 245
Windermere actives have cut their price
Median sold price, Windermere, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 58% above the WINDERMERE 34786 median. See the full Windermere market guide →
Paper trail
This home's history
Reality check
What actually sold near 12085 SANDY SHORES DRIVE UNIT D
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$670,000
13055 OVERSTREET ROAD
4 bd · 3.5 ba · 2,827 sqft · $237/sqft · 137 DOM
Sold · Jun ’26$620,000
6840 HELMSLEY CIRCLE
4 bd · 4 ba · 2,847 sqft · $218/sqft · 89 DOM
Sold · Oct ’25$960,000
11646 HAMPSTEAD STREET
4 bd · 2.5 ba · 2,798 sqft · $343/sqft · 12 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 12085 SANDY SHORES DRIVE UNIT D — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12085 SANDY SHORES DRIVE UNIT D — 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
12085 SANDY SHORES DRIVE UNIT D FAQs
What would the monthly payment be for 12085 SANDY SHORES DRIVE UNIT D?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,207/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 12085 SANDY SHORES DRIVE UNIT D?+
The most recent tax bill on record (2026) was $8,267. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Windermere?+
At $1,275,000, this home is listed about 16% above the Windermere median of $1,099,500. The market section on this page shows how the area is trending.
Which schools are assigned to 12085 SANDY SHORES DRIVE UNIT D?+
Windermere High (high), Windermere Elementary (elementary), Bridgewater Middle (middle) — Orange County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,275,000 runs 58% above the WINDERMERE 34786 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 4 days on market in a Windermere market that averages 32 — if it fits, move quickly.
04Strong assigned schools
Windermere High, Windermere Elementary, Bridgewater Middle — Windermere High rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of ALL REAL ESTATE & INVESTMENTS · Stacia Rocheford. MLS #O6426164.
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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