440 TIERRA VERDE LANE, WINTER GARDEN, FL, 34787
Pending74 days on marketListed Jun 1, 2026MLS #O6412260
About this home
440 TIERRA VERDE LANE
PRICED TO SELL!!This Custom-Built builder’s 1 story home of 4 bedrooms,flex room, and 3 bathrooms, is located in the beautiful, gated community of Lake Cove Pointe, Winter Garden, Florida. Just jump in your golf cart or simply walk to the forever growing and amazing downtown Winter Garden. The pavered driveway leads to a four-car tandem, oversized garage with (oversized) 18 and 10 feet garage doors. As you enter the 3512 living sq. ft. brick front home, you will be welcomed into a large foyer that overlooks the spacious, open-concept floor plan that is appealing for family and entertaining guests. The dining room is an eye catcher with its double-tray ceiling and surrounding, accented, large columns. Double French doors lead into the oversized living room. The open family room features a gas fireplace and triple sliding doors that lead to the large brick, enclosed patio. The breakfast nook area, which is open to your incorporated view, has an accented bay window. All windows throughout the house are new and have plantation shutters. The large, upgraded kitchen comes with a huge snack bar, center island, double ovens and granite counter tops. The primary bedroom has a tray ceiling and a sitting area. The bathroom features a built-in oval shaped bathtub, a separate shower and double sinks. The roof is 4 years old. Extra storage and closet space. Extra washer and dryer in guests’ side of house. Primary laundry room has wood cabinets, stainless steel sink, and built-in ironing board. The guest area of the house has pre-wiring and pre-plumbing to easily convert into a Mother-in- Law Suite. Don’t miss out seeing this one of a kind builders home today
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,512
Sqft
0.32 ac
Lot size
4
Garage
2004
Year built
One
Levels
$279
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.
$6,337 /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
$6,337/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
+14.9%
Days on market
74 vs 40 typical
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 Lake Cove Pointe
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Garden. See the full Winter Garden guide →
Lake Cove Pointe — neighborhood snapshot
Population
1,048
Median age
40
Median income
$69,779
Median home value
$446,100
Avg household
2
Households w/ children
127
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 → $628K
Winter Garden median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
Median sold price, Winter Garden, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 85% above the WINTER GARDEN 34787 median. See the full Winter Garden market guide →
Paper trail
This home's history
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
Solance Kallendorf
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 440 TIERRA VERDE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 440 TIERRA VERDE LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Solance's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
440 TIERRA VERDE LANE FAQs
What would the monthly payment be for 440 TIERRA VERDE LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,337/mo — principal and interest, the actual property-tax bill, the $94/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 440 TIERRA VERDE LANE?+
The association fee works out to $94 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 440 TIERRA VERDE LANE?+
The most recent tax bill on record (2025) was $5,135. 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 440 TIERRA VERDE LANE?+
The listing reports pets: Cats OK, Dogs OK. 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 $980,000, this home is listed about 66% above the Winter Garden median of $592,000. The market section on this page shows how the area is trending.
Which schools are assigned to 440 TIERRA VERDE LANE?+
Dillard Street Elementary (elementary), Lakeview Middle (middle), West Orange High (high) — Orange County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$980,000 runs 85% above the WINTER GARDEN 34787 median — but at 3,512 sqft it's also 61% larger than the typical Winter Garden listing.
02Strong assigned schools
Dillard Street Elementary, Lakeview Middle, West Orange High — West Orange High rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $1,200,000, now $980,000 — a $220K cut. The full history is in the market section below.
Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Jerry Osser. MLS #O6412260.
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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