13640 SPLASHING ISLA DRIVE, WINTER GARDEN, FL, 34787
Active13 days on marketListed Jul 30, 2026MLS #O6427250
About this home
13640 SPLASHING ISLA DRIVE
Short Sale. ***SHORT SALE***Built in 2024, this like new 2 bedroom plus den, 2 bathroom home offers modern finishes, thoughtful upgrades, and a private setting tucked toward the back of the community with no rear neighbors. The flexible den features French doors, making it ideal for a home office, hobby room, or additional living space. The open concept layout is filled with natural light and centers around a beautifully appointed kitchen with white cabinetry, white Ice subway tile backsplash, white quartz countertops, stainless steel appliances, and a spacious island perfect for everyday living and entertaining. The primary suite features an upgraded walk in shower, while ceiling fans in the living room, both bedrooms, and the den provide added comfort throughout the home. Enjoy Florida living from the covered front porch with space for seating or unwind on the screened lanai overlooking the peaceful backyard with exceptional privacy. The 2 car garage includes two overhead storage racks for added organization. Located just minutes from Walt Disney World, Flamingo Crossings, Horizon West shopping and dining, major roadways, and everyday conveniences, this home combines a desirable location with low maintenance, move in ready living.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,574
Sqft
0.1 ac
Lot size
2
Garage
2024
Year built
One
Levels
$266
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.
$4,056 /mo · 3.5% down FHA, 30-yr fixed at 6%
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
$4,056/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.
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
+13.5%
$/sqft vs Winter Garden actives
$266 vs $261
Days on market
13 vs 41 typical
Where $266/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 Winter Garden
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Garden. See the full Winter Garden guide →
WINTER GARDEN 34787 — neighborhood snapshot
Population
93,064
Median age
37.4
Median income
$114,988
Median home value
$475,000
Avg household
3.02
Households w/ children
13,499
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 → $623K
Winter Garden median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
183 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 22% 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 13640 SPLASHING ISLA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$393,000
13615 SPLASHING ISLA DRIVE · same community
2 bd · 2 ba · 1,574 sqft · $250/sqft · 64 DOM
Sold · Nov ’25$394,000
8801 CRAYSON COURT
3 bd · 3 ba · 1,602 sqft · $246/sqft · 89 DOM
Sold · Jun ’26$560,000
17005 ARROWHEAD BOULEVARD
3 bd · 2 ba · 1,655 sqft · $338/sqft · 23 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 13640 SPLASHING ISLA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13640 SPLASHING ISLA DRIVE — 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
13640 SPLASHING ISLA DRIVE FAQs
What would the monthly payment be for 13640 SPLASHING ISLA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,056/mo — principal and interest, the actual property-tax bill, the $725/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 13640 SPLASHING ISLA DRIVE?+
The association fee works out to $725 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13640 SPLASHING ISLA DRIVE?+
The most recent tax bill on record (2025) was $6,233. 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 13640 SPLASHING ISLA 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 Winter Garden?+
At $419,000, this home is listed about 28% below the Winter Garden median of $581,000. The market section on this page shows how the area is trending.
Which schools are assigned to 13640 SPLASHING ISLA DRIVE?+
Sunridge Elementary (elementary), Sunridge Middle (middle), West Orange High (high) — 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 22% below the WINTER GARDEN 34787 median of $534,000, and at $266/sqft it sits under the Winter Garden average of $279.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $725/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Strong assigned schools
Sunridge Elementary, Sunridge Middle, West Orange High — Sunridge Middle rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of SERHANT · Vanessa Scotland, PA. MLS #O6427250.
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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