CENTURY 21 Edge
$2,200,0002 bd1.5 ba1,144 sqft$1,923 /sqft$13,715 /mo all-in ↓

10430 LAKE COTTAGE LANE, ORLANDO, FL, 32836

Active26 days on marketListed Aug 27, 2026MLS #O6431032

WaterfrontSingle Family ResidenceLAKE SHEEN RESERVE

About this home

10430 LAKE COTTAGE LANE

Rare Lake Sheen lakefront estate opportunity on the Butler Chain of Lakes! An exceptional opportunity to own one of the most compelling lakefront properties on Lake Cottage Lane, featuring an oversized homesite, expansive Lake Sheen views, sandy shoreline, private dock and boatlift, and an existing two-bedroom, 1.5-bath lake cottage that can be enjoyed today while you plan the lakefront estate of your dreams. Tucked along Lake Cottage Lane, a private passage serving only four residences, the property offers a rare combination of privacy, scale and direct access to one of Central Florida’s desired boating destinations. Set directly on Lake Sheen, one of the 13 interconnected lakes comprising the renowned Butler Chain of Lakes, this property places an extraordinary recreational lifestyle right at your doorstep. The Butler Chain encompasses approximately 5,000 acres of interconnected waterways, offering exceptional opportunities for boating, fishing, waterskiing, paddleboarding, kayaking and exploring by boat. Lake Sheen is particularly prized for its clear water, sandy-bottom areas and relaxed character, creating an idyllic setting for active lake days and peaceful waterfront living. With no neighboring residence immediately on that side, the park creates an unusually open and private setting, allowing the lake, sky, and natural surroundings to take center stage. It is a distinctive advantage that is difficult to replicate on the Butler Chain. The sandy shoreline with gradual water entry is another exceptional feature, providing an inviting connection to the lake for swimming, paddleboarding, kayaking and enjoying the water from your backyard. Mature cypress trees along the shoreline add beauty, shade and a classic Florida lakefront character. A private dock and boatlift provide immediate access to Lake Sheen and the entire Butler Chain, while a gated community boat ramp is approximately 300 feet away. For the discerning buyer envisioning a future custom residence, the oversized homesite is the centerpiece of this offering. Its generous dimensions provide remarkable flexibility to create a substantial lakefront estate with a custom residence, pool, expansive outdoor living spaces, landscaping and ample parking, all thoughtfully oriented to capture the spectacular lake views and waterfront setting. Adding to the property's appeal, it is not subject to the standard Lake Sheen Reserve HOA assessment or many of the community’s architectural restrictions, providing greater freedom and flexibility for planning a future residence. All of this is set in a desirable Orlando location, convenient to Windermere, Disney, Universal, Epic Universe, premier shopping, dining and entertainment, yet remarkably peaceful once you arrive at your private lakefront retreat. A rare opportunity to create a legacy lakefront estate on Lake Sheen and experience the best of the Butler Chain of Lakes.

Facts & features

The home at a glance

2

Bedrooms

1.5

Bathrooms

1,144

Sqft

0.64 ac

Lot size

1967

Year built

One

Levels

$1,923

Per sqft

WaterfrontWater view

Inside

FlooringCarpet · Tile · Travertine
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer
InteriorKitchen/Family Room Combo
LaundryInside · Laundry Room
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionConcrete
FoundationSlab
ViewWater
FacesWest
ParkingBoat · Off Street
ExteriorFire Pit

Community & fees

Taxes (2025)$10,310/yr
PetsCats OK, Dogs OK
CommunityCommunity Boat Ramp · Gated Community - No Guard · Playground

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Water Connected
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$13,715 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$11,871
PMI (est., until 20% equity)$825
Property tax — 2025 actual bill$859
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $220,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $220,000
Interest rate6.00%
Loan term

Estimated payment

$13,715/mo

Principal & interest$11,871
PMI (est., until 20% equity)$825
Property taxes (actual bill)$859
Est. insurance$160

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.

$/sqft vs Orlando actives

$1,923 vs $240

Days on market

26 vs 42 typical

Where $1,923/sqft sits among the 400 Orlando actives

370
20
7
1
1
1 · this home
$140–437$437–734$734–1031$1031–1329$1329–1626$1626+

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 Orlando

Drive times from this address

Walt Disney World16 min
Universal Orlando20 min
Downtown Orlando26 min
Orlando Int’l Airport (MCO)31 min

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

Get to know Orlando. See the full Orlando guide →

ORLANDO 32836 — neighborhood snapshot

Population

24,648

Median age

39.3

Median income

$111,921

Median home value

$637,300

Avg household

2.72

Households w/ children

3,070

For the school run

Orange County School District

ElementarySand Lake Elementary★★★★★
HighLake Buena Vista High School★★★★★
MiddleSouthwest Middle★★★★★

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

The numbers that matter

The Orlando market

Seller’s marketLeans seller4.5 months of inventoryBuyer’s market

$400K$395K

Orlando median sold, yr/yr

97.0%

Sale-to-list ratio (12 mo)

212 of 400

Orlando actives have cut their price

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

This home is listed 137% above the ORLANDO 32836 median. See the full Orlando market guide →

Paper trail

This home's history

Aug 27, 2026Listed at $2,200,000 · 26 days on market since
1967Built · LAKE SHEEN RESERVE

Reality check

What actually sold near 10430 LAKE COTTAGE LANE

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

10206 FALLSGROVE STREETSold · Jun ’26

$412,500

10206 FALLSGROVE STREET

3 bd · 2.5 ba · 1,491 sqft · $277/sqft · 17 DOM

10116 FALLSGROVE STREETSold · Jul ’26

$370,000

10116 FALLSGROVE STREET

3 bd · 2.5 ba · 1,491 sqft · $248/sqft · 324 DOM

10250 FALLSGROVE STREETSold · May ’26

$415,000

10250 FALLSGROVE STREET

3 bd · 2.5 ba · 1,578 sqft · $263/sqft · 29 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.

Gianfranco Di Flumeri

Your agent

Gianfranco Di Flumeri

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 10430 LAKE COTTAGE LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 10430 LAKE COTTAGE LANE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

10430 LAKE COTTAGE LANE FAQs

What would the monthly payment be for 10430 LAKE COTTAGE LANE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $13,715/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 10430 LAKE COTTAGE LANE?+

The most recent tax bill on record (2025) was $10,310. 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 10430 LAKE COTTAGE 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 Orlando?+

At $2,200,000, this home is listed about 471% above the Orlando median of $385,250. The market section on this page shows how the area is trending.

Which schools are assigned to 10430 LAKE COTTAGE LANE?+

Sand Lake Elementary (elementary), Lake Buena Vista High School (high), Southwest Middle (middle) — Orange County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of PREMIER SOTHEBYS INT'L REALTY · Marc Shamley. MLS #O6431032.

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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