CENTURY 21 Edge
$480,000$500,0003 bd2 ba1,720 sqft$279 /sqft≈$4,230 /mo all-in ↓

12026 WINDING WOODS WAY, LAKEWOOD RANCH, FL, 34202

Active66 days on marketListed Sep 2, 2026MLS #A4704425

✦ Priced 23% below the LAKEWOOD RANCH 34202 median✦ Reduced $20KPrivate poolSingle Family ResidenceSUMMERFIELD VILLAGE SUBPHASE C U3

About this home

12026 WINDING WOODS WAY

Welcome to this beautifully updated 3-bedroom, 2-bath home with a private den in the highly desirable Lakewood Ranch community. The popular Winchester floor plan offers a bright, open layout with vaulted ceilings and comfortable living spaces designed for both everyday living and entertaining. Recent improvements give the home a fresh, move-in-ready feel, including new kitchen cabinets and countertops, new flooring, new appliances, fresh interior and exterior paint, updated shower and bathtub tile, and a new roof. The spacious kitchen flows effortlessly into the main living and dining areas, creating an inviting central gathering space. Step outside to your own private Florida retreat featuring a heated swimming pool and Jacuzzi, screened lanai, fenced backyard, and lush tropical landscaping—perfect for relaxing, entertaining, or enjoying year-round outdoor living. Ideally located near Lakewood Ranch Golf & Country Club, Greenbrook Adventure Park, Paw Park, and Heron’s Nest Nature Park, this home offers convenient access to golf, walking trails, playgrounds, dog-friendly recreation, and beautiful natural surroundings. Lakewood Ranch is one of Florida’s premier master-planned communities, offering an exceptional lifestyle with nearby shopping, dining, medical facilities, tennis, fitness and recreation opportunities, and the renowned Lakewood Ranch sports complex. Convenient access to I-75 makes it easy to reach Sarasota, Bradenton, area beaches, airports, and everything the Gulf Coast has to offer. With extensive updates, a versatile floor plan, a private pool and Jacuzzi, and an outstanding Lakewood Ranch location, this home is ready for its next chapter. Schedule your private showing and experience the lifestyle for yourself!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,720

Sqft

0.14 ac

Lot size

2

Garage

2000

Year built

One

Levels

$279

Per sqft

Private poolPets allowed

Inside

FlooringLuxury Vinyl · Tile
AppliancesDishwasher · Disposal · Microwave · Range · Refrigerator
InteriorOther
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesWest
ExteriorOther · Private Yard · Sliding Doors

Community & fees

HOA fee$9/mo
Taxes (2025)$6,639/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Electricity Connected · Sewer 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.

$4,230 /mo · 3.5% down FHA, 30-yr fixed at 7.5%

Principal & interest$3,295
FHA mortgage insurance (est.)$212
Property tax — 2025 actual bill$553
HOA fee — from the listing$9
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,800Loan30-yr fixed at 7.5%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% · $16,800
Interest rate7.50%
Loan term

Estimated payment

$4,230/mo

Principal & interest$3,295
FHA mortgage insurance (est.)$212
Property taxes (actual bill)$553
HOA / condo fee$9
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.

Can I afford this home? → See what you can comfortably afford from your income, debts and savings.

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 $480K
$408KedgeAI estimate $438,074 · range $425K–$451K$499K

vs edgeAI estimate

+9.6%

$/sqft vs Lakewood Ranch actives

$279 vs $286

Days on market

66 vs 37 typical

Where $279/sqft sits among the 297 Lakewood Ranch actives

112
81 · this home
37
31
16
20
$199–263$263–328$328–392$392–457$457–521$521+

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 Summerfield Village

Drive times from this address

Downtown Tampa≈ 53 min
Tampa Int’l Airport (TPA)≈ 63 min

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

Get to know Lakewood Ranch. See the full Lakewood Ranch guide →

Summerfield Village — neighborhood snapshot

Population

2,875

Median age

49

Median income

$136,556

Median home value

$475,908

Avg household

3

Households w/ children

241

For the school run

Manatee County School District

HighLakewood Ranch High School★★★★★
MiddleR. Dan Nolan Middle School★★★★★
ElementaryGilbert W McNeal Elementary School★★★★★

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

The numbers that matter

The Lakewood Ranch market

Seller’s marketSeller’s market — 2.4 months of inventoryBuyer’s market

$603K → $621K

Lakewood Ranch median sold, yr/yr

97.1%

Sale-to-list ratio (12 mo)

142 of 297

Lakewood Ranch actives have cut their price

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

This home is listed 23% below the LAKEWOOD RANCH 34202 median. See the full Lakewood Ranch market guide →

Paper trail

This home's history

CurrentPrice reduced to $480,000 ▼ $20K
Sep 2, 2026Listed at $500,000 · 66 days on market since
2000Built · SUMMERFIELD VILLAGE SUBPHASE C U3

Reality check

What actually sold near 12026 WINDING WOODS WAY

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

12026 WINDING WOODS WAYSold · May ’26

$316,000

12026 WINDING WOODS WAY · same community

3 bd · 2 ba · 1,720 sqft · $184/sqft · 3 DOM

6222 BLUEFLOWER COURTSold · Sep ’26

$365,000

6222 BLUEFLOWER COURT · same community

3 bd · 2 ba · 1,417 sqft · $258/sqft · 14 DOM

12069 WINDING WOODS WAYSold · May ’26

$410,000

12069 WINDING WOODS WAY · same community

3 bd · 2 ba · 1,263 sqft · $325/sqft · 9 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.

John Carpenter

Your agent

John Carpenter

CFO/Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 12026 WINDING WOODS WAY — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 12026 WINDING WOODS WAY — before you fall in love.

See it in person

Schedule a tour

Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

12026 WINDING WOODS WAY FAQs

What would the monthly payment be for 12026 WINDING WOODS WAY?+

With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,230/mo — principal and interest, the actual property-tax bill, the $9/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 12026 WINDING WOODS WAY?+

The association fee works out to $9 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 12026 WINDING WOODS WAY?+

The most recent tax bill on record (2025) was $6,639. 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 12026 WINDING WOODS WAY?+

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 Lakewood Ranch?+

At $480,000, this home is listed about 24% below the Lakewood Ranch median of $634,900. The market section on this page shows how the area is trending.

Which schools are assigned to 12026 WINDING WOODS WAY?+

Lakewood Ranch High School (high), R. Dan Nolan Middle School (middle), Gilbert W McNeal Elementary School (elementary) — Manatee County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Under the LAKEWOOD RANCH 34202 market on paper

$480,000 is 23% below the LAKEWOOD RANCH 34202 median of $621,950, and at $279/sqft it sits under the Lakewood Ranch average of $330.

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

Lakewood Ranch High School, R. Dan Nolan Middle School, Gilbert W McNeal Elementary School — Lakewood Ranch High School rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $500,000, now $480,000 — a $20K cut. The full history is in the market section below.

Listing courtesy of PREFERRED SHORE LLC · Pavel Shal. MLS #A4704425.

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.

Never miss a listing

New Lakewood Ranch homes, in your inbox

Like 12026 WINDING WOODS WAY but not quite? A daily digest of every new listing in Lakewood Ranch — straight from the MLS, hours after it goes live. Unsubscribe anytime.

By checking this box, I provide my prior express written consent to CENTURY 21 Edge, directly or through its affiliated real estate agents, to contact me at the telephone number(s) and email address I provide regarding my inquiry, real estate services, and marketing or promotional communications, including property listings, market updates, open houses, home value reports, and related real estate information. I authorize calls and text messages made using an automatic telephone dialing system or other automated technology and calls using prerecorded or artificial voice. I also consent to receive marketing and promotional emails. Consent is not a condition of purchasing any property, goods, or services. Message and data rates may apply. Message frequency varies. Reply STOP to opt out of text messages or HELP for help. I may unsubscribe from marketing emails using the unsubscribe link in any marketing email. I may revoke my consent to calls or text messages at any time using any reasonable method. Calls with CENTURY 21 Edge may be recorded. See our Privacy Policy, Terms of Use, and SMS Terms.

Just watching this one home? Ask John to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated November 7, 2026 at 6:21 AM UTC. The listing information on this page last changed on November 7, 2026 at 6:21 AM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on November 7, 2026 at 6:21 AM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: November 7, 2026 at 6:21 AM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.