Jessica Torres
$1,075,000$1,170,0004 bd3 ba2,824 sqft$381 /sqft$7,616 /mo all-in ↓

11217 WILLOW GARDENS DRIVE, WINDERMERE, FL, 34786

Active37 days on marketListed Jun 27, 2026MLS #O6417903

Reduced $95KPrivate poolSingle Family ResidenceWILLOWS AT LAKE RHEA

About this home

11217 WILLOW GARDENS DRIVE

In Windermere homes can be renovated. Locations like this cannot be recreated. Set on more than half an acre with tranquil water views and exceptional privacy, this beautifully renovated residence offers a lifestyle that’s increasingly difficult to find. Spend weekends boating on the Butler Chain of Lakes, enjoying a match of tennis or pickleball, or unwinding by your private pool as peaceful water views become the backdrop to everyday life. Just a golf cart ride from downtown Windermere’s beloved Farmers Market, waterfront parks, dining, and community events—and with Windermere Elementary and many of Central Florida’s premier public and private schools nearby—this is a home that blends convenience with an unmatched sense of place. Inside, thoughtfully reimagined interiors pair contemporary finishes with effortless livability, creating a turnkey home where the lifestyle is every bit as compelling as the home itself. Residents of The Willows enjoy an outstanding lifestyle with neighborhood amenities including walking trails, a playground, volleyball, basketball, tennis, and pickleball courts. Windermere Elementary is within walking distance and Windermere High School and many premier private schools close by. Extensively renovated with today's most sought after finishes and design elements and designed for both everyday living and elegant entertaining, the spacious floor plan features four bedrooms and three baths. The private owner's retreat is a true sanctuary, offering direct access to the pool area and peaceful water views. A grand dining room with soaring 12-foot vaulted ceilings creates a sophisticated setting for gatherings, while the inviting living room showcases beautiful outdoor vistas. At the heart of the home, the gourmet kitchen flows seamlessly into the breakfast nook and family room, creating an open and welcoming space that extends to the covered lanai and pool area. Whether hosting guests or enjoying a quiet evening at home, the indoor/outdoor connection embodies the very best of Florida living. The thoughtfully designed split bedroom layout provides privacy and functionality, with two secondary bedrooms with walk-in closets, charming window seats with built-in storage are connected by a Jack and Jill bath. A dedicated laundry room, and abundant storage throughout add to the home's exceptional livability. Additional highlights include a central vacuum system, three-car side-entry garage, and circular driveway with ample guest parking. Convenient access to major roadways, shopping, healthcare, golf, Orlando International Airport, and world-famous attractions further enhances the appeal. Offering an unparalleled combination of location, luxury, recent renovations, and lifestyle, this remarkable property presents a rare opportunity to own one of Windermere's most desirable homes. Schedule your private showing today!

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,824

Sqft

0.59 ac

Lot size

3

Garage

1994

Year built

One

Levels

$381

Per sqft

Private poolFireplaceWater viewPets allowed

Inside

FlooringPorcelain Tile
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Electric Water Heater · Microwave · Refrigerator
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Central Vacuum · Coffered Ceiling(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Split Bedroom · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingHeat Pump

Outside & construction

RoofTile
ConstructionStucco · Wood Frame
FoundationSlab
ViewWater
FacesEast
ParkingGarage Door Opener · Garage Faces Side
ExteriorIrrigation System · Lighting · Sidewalk · Sliding Doors

Community & fees

HOA fee$122/mo
Taxes (2026)$13,562/yr
PetsCats OK, Dogs OK, Yes
CommunityAssociation Recreation - Owned · Deed Restrictions · Golf Carts OK · Playground · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Propane · Street Lights · Underground Utilities
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.

$7,616 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,801
PMI (est., until 20% equity)$403
Property tax — 2026 actual bill$1,130
HOA fee — from the listing$122
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $107,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $107,500
Interest rate6.00%
Loan term

Estimated payment

$7,616/mo

Principal & interest$5,801
PMI (est., until 20% equity)$403
Property taxes (actual bill)$1,130
HOA / condo fee$122
Est. insurance$160

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.

List $1.1M
$837KedgeAI estimate $1,026,493 · range $872K$1.6M$1.7M

vs edgeAI estimate

+4.7%

$/sqft vs Windermere actives

$381 vs $345

Days on market

37 vs 32 typical

Where $381/sqft sits among the 238 Windermere actives

132
49 · this home
20
12
6
19
$223–374$374–526$526–677$677–828$828–979$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 Willows At Lake Rhea

Map of 11217 WILLOW GARDENS DRIVE inside its neighborhood boundary

Drive times from this address

Universal Orlando19 min
Downtown Orlando22 min
Walt Disney World32 min
Orlando Int’l Airport (MCO)38 min

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

Get to know Windermere. See the full Windermere guide →

Willows At Lake Rhea — neighborhood snapshot

Population

495

Median age

46

Median income

$113,300

Median home value

$767,100

Avg household

3

Households w/ children

73%

For the school run

Orange County School District

ElementaryWindermere Elementary★★★★★
HighWindermere High★★★★
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)

109 of 238

Windermere actives have cut their price

Median sold price, Windermere, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 35% above the WINDERMERE 34786 median. See the full Windermere market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,075,000 $95K
Jun 27, 2026Listed at $1,170,000 · 37 days on market since
1994Built · WILLOWS AT LAKE RHEA

Reality check

What actually sold near 11217 WILLOW GARDENS DRIVE

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

1906 MAPLE LEAF DRIVESold · Sep ’25

$750,000

1906 MAPLE LEAF DRIVE

4 bd · 2.5 ba · 2,701 sqft · $278/sqft · 7 DOM

11401 WILLOW STOWE LANESold · Sep ’25

$1,025,000

11401 WILLOW STOWE LANE

4 bd · 3 ba · 2,951 sqft · $347/sqft · 37 DOM

232 SAGECREST DRSold · Jun ’26

$770,000

232 SAGECREST DR

4 bd · 3 ba · 2,689 sqft · $286/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.

Jessica Torres

Your agent

Jessica Torres

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 11217 WILLOW GARDENS DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 11217 WILLOW GARDENS DRIVE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Jessica's phone and CRM.

Goes straight to Jessica’s phone and CRM.

Straight answers

11217 WILLOW GARDENS DRIVE FAQs

What would the monthly payment be for 11217 WILLOW GARDENS DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,616/mo — principal and interest, the actual property-tax bill, the $122/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 11217 WILLOW GARDENS DRIVE?+

The association fee works out to $122 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 11217 WILLOW GARDENS DRIVE?+

The most recent tax bill on record (2026) was $13,562. 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 11217 WILLOW GARDENS DRIVE?+

The listing reports pets: Cats OK, Dogs OK, 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 $1,075,000, this home is listed about 2% 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 11217 WILLOW GARDENS DRIVE?+

Windermere Elementary (elementary), Windermere High (high), 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

$1,075,000 runs 35% 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

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

04The price has already moved

Listed at $1,170,000, now $1,075,000 — a $95K cut. The full history is in the market section below.

Listing courtesy of CORCORAN PREMIER REALTY · Laurel Kellett. MLS #O6417903.

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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