10540 TRIBUTE DRIVE, WINTER GARDEN, FL, 34787
Active Under Contract400 days on marketListed Sep 20, 2025MLS #O6346155
About this home
10540 TRIBUTE DRIVE
Under contract-accepting backup offers. This stunning and spacious townhome is designed to exceed expectations! Built in 2023 and thoughtfully designed for modern living, this 3-bedroom, 2.5-bath home feels like a model property and offers the perfect blend of style, comfort, and functionality—whether you're looking for a beautiful place to call home or a great opportunity to invest in Central Florida. The first floor features a bright and inviting open-concept layout with upgraded tile flooring and a beautifully appointed kitchen showcasing solid-surface countertops, a massive center island, stainless steel appliances, and seamless flow into the dining and living areas—perfect for everyday living, entertaining family and friends, or simply relaxing at home. Step outside to your own private retreat featuring an oversized brick-paver patio, fully fenced and enhanced with low-maintenance synthetic grass, creating a cozy and inviting outdoor space ideal for gatherings, pets, or enjoying Florida's year-round sunshine. The detached 2-car garage and extended driveway provide excellent convenience and additional parking. Upstairs, you'll find three generously sized bedrooms and two full bathrooms, offering plenty of comfort and privacy. The spacious primary suite features an elegant en-suite bathroom with dual sinks and a large walk-in closet. Located in the highly desirable Storey Grove community, this move-in-ready townhome combines modern finishes, comfortable living spaces, and an excellent location, making it a fantastic choice for a primary residence, second home, or investment property.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,636
Sqft
0.07 ac
Lot size
1
Garage
2023
Year built
Two
Levels
$256
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.
$3,955 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$3,955/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.
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.
vs edgeAI estimate
+7.2%
$/sqft vs Winter Garden actives
$256 vs $262
Days on market
400 vs 60 typical
Where $256/sqft sits among the 400 Winter Garden 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 Hickory Hut
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Garden. See the full Winter Garden guide →
Hickory Hut — neighborhood snapshot
Population
5,306
Median age
38
Median income
$152,813
Median home value
$545,824
Avg household
3
Households w/ children
664
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Garden market
$585K → $611K
Winter Garden median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
208 of 400
Winter Garden actives have cut their price
Median sold price, Winter Garden, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 16% below the WINTER GARDEN 34787 median. See the full Winter Garden market guide →
Paper trail
This home's history
Reality check
What actually sold near 10540 TRIBUTE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$415,000
13902 TITLE WAY · same community
3 bd · 2.5 ba · 1,636 sqft · $254/sqft · 7 DOM
Sold · Jun ’26$420,000
13946 TITLE WAY · same community
4 bd · 2.5 ba · 1,992 sqft · $211/sqft · 61 DOM
Sold · Oct ’26$410,000
10607 WORDS DRIVE · same community
4 bd · 2.5 ba · 1,992 sqft · $206/sqft · 38 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 10540 TRIBUTE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 10540 TRIBUTE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
10540 TRIBUTE DRIVE FAQs
What would the monthly payment be for 10540 TRIBUTE DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,955/mo — principal and interest, the actual property-tax bill, the $225/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 10540 TRIBUTE DRIVE?+
The association fee works out to $225 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 10540 TRIBUTE DRIVE?+
The most recent tax bill on record (2024) was $6,096. 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 10540 TRIBUTE DRIVE?+
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 Winter Garden?+
At $419,000, this home is listed about 30% below the Winter Garden median of $595,000. The market section on this page shows how the area is trending.
Which schools are assigned to 10540 TRIBUTE DRIVE?+
Horizon High School (high), Water Spring Middle School (middle), Atwater Bay Elementary (elementary) — Orange County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the WINTER GARDEN 34787 market on paper
$419,000 is 16% below the WINTER GARDEN 34787 median of $499,000, and at $256/sqft it sits under the Winter Garden average of $276.
02Time on market is leverage
400 days on market against a Winter Garden median of 60 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Horizon High School, Water Spring Middle School, Atwater Bay Elementary — Horizon High School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $435,000, now $419,000 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LEGACY PLUS REALTY · Solon Potenciano Silva. MLS #O6346155.
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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