13448 ZORI LANE, WINDERMERE, FL, 34786
Active45 days on marketListed Aug 6, 2026MLS #O6431403
About this home
13448 ZORI LANE
FOR RENT | Luxury 4-Bedroom Home with Private In-Law Suite in Windermere Welcome to this beautifully updated 4-bedroom, 3-bathroom residence offering 2,826 square feet of elegant living space in one of Windermere’s most desirable communities. This exceptional two-story home has been thoughtfully upgraded with a brand-new roof, New HVAC systems, Tile flooring, and a open kitchen, creating the perfect blend of luxury, comfort, and functionality. Step through the impressive leaded-glass entry doors into a grand foyer with soaring cathedral ceilings and an inviting open layout. The thoughtfully designed three-way split floor plan features Tile floors, tray ceilings, crown molding, formal living and dining areas, and abundant natural light throughout. The gourmet kitchen is the heart of the home, showcasing granite countertops and backsplash, stainless steel appliances, a large center island with storage, breakfast bar seating, and ample space for entertaining. The spacious primary suite offers private access to the screened lanai and features a luxurious bathroom with dual vanities, a garden tub, walk-in shower, and oversized walk-in closet. Additional features include: 3-Car Garage, Indoor Laundry Room with Utility Sink, Screened Covered Patio, Community Pool, Playground & Dog Park. Top-Rated Schools Including Windermere Prep Nearby. Minutes to Winter Garden Village, Disney, 429 Expressway, Butler Chain of Lakes, Shopping, Dining & Entertainment This home offers the ultimate Florida lifestyle with space, privacy, and an unbeatable location. Available for immediate occupancy. Schedule your private showing today and discover why this Windermere home is truly one of a kind.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,826
Sqft
0.17 ac
Lot size
3
Garage
2005
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$186 /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
$186/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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 Windermere actives
$1 vs $337
Days on market
45 vs 48 typical
Where $1/sqft sits among the 224 Windermere 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.
The investor lens
Two ways this home pays
This home sits inside Providence, 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
$3,000/mo median
Live Windermere rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Providence
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Providence is a short-term-rental community. See the full guide →
Providence — neighborhood snapshot
Population
1,095
Median age
38
Median income
$161,214
Median home value
$522,100
Avg household
3
Households w/ children
199
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Windermere market
$875K → $840K
Windermere median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
118 of 224
Windermere actives have cut their price
Median sold price, Windermere, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the WINDERMERE 34786 median. See the full Windermere market guide →
Paper trail
This home's history
Reality check
What actually sold near 13448 ZORI LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$705,000
13649 ZORI LANE · same community
4 bd · 4 ba · 3,129 sqft · $225/sqft · 61 DOM
Sold · Jan ’26$844,000
13212 SWANSEA AVENUE · same community
4 bd · 4 ba · 3,365 sqft · $251/sqft · 9 DOM
Sold · Nov ’25$670,000
13055 OVERSTREET ROAD
4 bd · 3.5 ba · 2,827 sqft · $237/sqft · 137 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 13448 ZORI LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13448 ZORI LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
13448 ZORI LANE FAQs
What would the monthly payment be for 13448 ZORI LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $186/mo — principal and interest, estimated property taxes 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.
Can 13448 ZORI LANE be rented short-term?+
Yes — this home sits inside Providence, 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 13448 ZORI LANE?+
The listing reports pets: 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 Windermere?+
At $3,600, this home is listed about 100% below the Windermere median of $1,089,500. The market section on this page shows how the area is trending.
Which schools are assigned to 13448 ZORI LANE?+
Windermere High (high), Bridgewater Middle (middle), Windermere 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 WINDERMERE 34786 market on paper
$3,600 is 99% below the WINDERMERE 34786 median of $680,000, and at $1/sqft it sits under the Windermere average of $448.
02Zoned for nightly rentals
Providence 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.
03Strong assigned schools
Windermere High, Bridgewater Middle, Windermere Elementary — Windermere High rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $4,000, now $3,600 — a $400 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ORLANDO SUNSHINE REALTY · Annie Kwan. MLS #O6431403.
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.
Never miss a listing
New Windermere homes, in your inbox
Like 13448 ZORI LANE but not quite? A daily digest of every new listing in Windermere — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Tyler to ping you on any price or status change →