13181 TOOLCROSS WAY, WINTER GARDEN, FL, 34787
Active69 days on marketListed May 29, 2026MLS #O6410984
About this home
13181 TOOLCROSS WAY
Located in the highly desirable Westhaven at Ovation, this exceptional five bedroom, four bathroom home sits on one of the largest lots in the community with an impressive 0.28 acres, offering extra privacy, space, and an unbeatable setting. With no front or rear neighbors and peaceful pond views behind the home, this property delivers a rare combination of comfort and tranquility. Designed with both elegance and functionality in mind, the home features a spacious open layout with a large loft, an oversized covered lanai perfect for entertaining, and a charming front porch that creates a warm welcome. The gourmet kitchen is equipped with premium KitchenAid appliances and an LG InstaView Door-in-Door refrigerator, combining luxury and modern convenience. Thoughtful upgrades can be found throughout the home, including elegant open rail stairs with luxury vinyl flooring, floor-to-ceiling tile in the bathrooms, and custom-designed spaces in the primary suite closet, laundry room, and pantry for maximum organization and style. The laundry room also includes a utility sink, adding extra practicality for everyday living. The spacious primary suite and well-distributed floor plan provide comfort for the entire family, while the proximity to the community clubhouse adds even more convenience and lifestyle appeal. With a two car garage, exceptional finishes, and one of the best locations in the neighborhood, this home is truly a standout opportunity in Winter Garden.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,894
Sqft
0.28 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$269
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.
$7,292 /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
$7,292/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
+12.7%
$/sqft vs WESTHAVEN AT OVATION
$269 vs $262
Days on market
69 vs 38 typical
Where $269/sqft sits among the 19 homes for sale in WESTHAVEN AT OVATION
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.
The investor lens
Two ways this home pays
This home sits inside West Haven, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,950/mo median
Live Winter Garden rental listing data — this home’s rate depends on size, condition and furnishing.
The Four Corners short-term market
▼ Softening48%
Occupancy
▼ 37% yr/yr
$325
Avg nightly rate
▲ 13% yr/yr
$38K/yr
Revenue per listing
$151
RevPAR
78 days
Booking lead time
5.7 nights
Avg stay
3
Typical min nights
11,479
Active rentals
▼ 20% supply
Seasonality — monthly occupancy
Peaks at 57% in Jul · bottoms at 36% in Jun
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Four Corners — the projection above is specific to this home’s size.
Where it sits
Inside Village I
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
West Haven is a short-term-rental community. See the full guide →
Village I — neighborhood snapshot
Population
1,534
Median age
37
Median income
$130,745
Median home value
$496,000
Avg household
3
Households w/ children
225
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)
5 of 19
WESTHAVEN AT OVATION have cut their price
Median sold price, Winter Garden, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 96% above the WINTER GARDEN 34787 median. See the full Winter Garden market guide →
Paper trail
This home's history
Reality check
What actually sold near 13181 TOOLCROSS WAY
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$1,256,567
13258 TOLLCROSS WAY · same community
5 bd · 4.5 ba · 3,788 sqft · $332/sqft · 0 DOM
Sold · Apr ’26$850,000
13214 DENDY WAY
5 bd · 4.5 ba · 3,719 sqft · $229/sqft · 90 DOM
Sold · Nov ’25$760,000
13208 DENDY WAY UNIT 3
5 bd · 4.5 ba · 3,719 sqft · $204/sqft · 43 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 13181 TOOLCROSS WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13181 TOOLCROSS WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
13181 TOOLCROSS WAY FAQs
What would the monthly payment be for 13181 TOOLCROSS WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,292/mo — principal and interest, the actual property-tax bill, the $83/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 13181 TOOLCROSS WAY?+
The association fee works out to $83 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13181 TOOLCROSS WAY?+
The most recent tax bill on record (2025) was $11,946. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 13181 TOOLCROSS WAY be rented short-term?+
Yes — this home sits inside West Haven, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 13181 TOOLCROSS 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 Winter Garden?+
At $1,049,000, this home is listed about 78% above the Winter Garden median of $590,000. The market section on this page shows how the area is trending.
Which schools are assigned to 13181 TOOLCROSS WAY?+
Water Spring Elementary (elementary), Horizon High School (high), Water Spring Middle School (middle) — Orange County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$1,049,000 runs 96% above the WINTER GARDEN 34787 median — but at 3,894 sqft it's also nearly twice the size of the typical Winter Garden listing.
02Zoned for nightly rentals
West Haven is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Water views
The water view is part of what you're buying — views hold value independently of the structure.
04Strong assigned schools
Water Spring Elementary, Horizon High School, Water Spring Middle School — Horizon High School rates 4 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $1,100,000, now $1,049,000 — a $51K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA CONNEXION PROPERTIES · Roberta Do Nascimento Ferreira Voto. MLS #O6410984.
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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