13101 BELLARIA CIRCLE, WINDERMERE, FL, 34786
Active1 days on marketListed Sep 21, 2026MLS #O6434168
About this home
13101 BELLARIA CIRCLE
Set on nearly an acre within the prestigious guard-gated community of Bellaria, this remarkable estate combines grand-scale living, exceptional flexibility, and an unbeatable location. Impressive curb appeal creates an immediate sense of arrival, enhanced by a spacious U-shaped driveway and an oversized three-car garage. Beyond the entry, a dramatic formal living room welcomes you with soaring two-story ceilings, abundant natural light, and an elegant bar area complete with a wine refrigerator. The expansive kitchen serves as the heart of the home, featuring a massive center island, extensive cabinetry, generous prep space, and a full suite of stainless steel appliances. A formal dining room provides a refined backdrop for special occasions, while the adjoining breakfast nook offers a relaxed setting for everyday meals. The sprawling first-floor primary suite is a private retreat with impressive proportions and separate his-and-hers walk-in closets. Its spacious bathroom features dual vanities, an oversized walk-in shower, and a soaking tub designed for relaxation. An additional guest suite on the main level provides comfort and privacy for visitors, while a dedicated formal office creates an ideal space for working from home. Upstairs, five additional bedrooms provide tremendous flexibility for family and guests. A spacious loft offers another casual gathering area, while the separate bonus room could easily be transformed into a private home theater, game room, fitness studio, or additional entertainment space. With seven bedrooms, multiple living areas, and thoughtfully designed spaces throughout, the home is exceptionally well suited for both everyday living and large-scale entertaining. Outside, an expansive covered patio extends the living space and features a full summer kitchen, making it ideal for dining, entertaining, and enjoying Florida’s year-round sunshine. The enormous backyard offers remarkable possibilities, with ample room to create a custom resort-style pool. Bellaria’s prime location places you just minutes from Winter Garden Village, charming Downtown Windermere, Restaurant Row, world-renowned theme parks, and an outstanding selection of shopping, dining, and entertainment. Offering extraordinary space, privacy, and potential in one of Windermere’s most sought-after gated communities, this impressive estate presents a rare opportunity to create the ultimate luxury lifestyle.
Facts & features
The home at a glance
6
Bedrooms
8
Bathrooms
7,321
Sqft
0.94 ac
Lot size
3
Garage
2015
Year built
Two
Levels
$409
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.
$19,835 /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
$19,835/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.
$/sqft vs Windermere actives
$409 vs $338
Days on market
1 vs 48 typical
Where $409/sqft sits among the 222 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.
Where it sits
Inside Bellaria
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Windermere. See the full Windermere guide →
Bellaria — neighborhood snapshot
Population
419
Median age
43
Median income
$224,336
Median home value
$771,900
Avg household
3
Households w/ children
51%
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)
116 of 222
Windermere actives have cut their price
Median sold price, Windermere, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 340% above the WINDERMERE 34786 median. See the full Windermere market guide →
Paper trail
This home's history
Reality check
What actually sold near 13101 BELLARIA CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$2,825,000
13431 BELLARIA CIRCLE · same community
4 bd · 4.5 ba · 5,616 sqft · $503/sqft · 47 DOM
Sold · Aug ’26$2,600,000
13304 BELLARIA CIRCLE · same community
6 bd · 6 ba · 4,920 sqft · $528/sqft · 116 DOM
Sold · Jun ’26$3,120,000
4029 ISABELLA CIRCLE
6 bd · 7 ba · 7,217 sqft · $432/sqft · 18 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 13101 BELLARIA CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13101 BELLARIA CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
13101 BELLARIA CIRCLE FAQs
What would the monthly payment be for 13101 BELLARIA CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $19,835/mo — principal and interest, the actual property-tax bill, the $483/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 13101 BELLARIA CIRCLE?+
The association fee works out to $483 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13101 BELLARIA CIRCLE?+
The most recent tax bill on record (2025) was $22,895. 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 13101 BELLARIA CIRCLE?+
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 Windermere?+
At $2,995,000, this home is listed about 175% above the Windermere median of $1,089,500. The market section on this page shows how the area is trending.
Which schools are assigned to 13101 BELLARIA CIRCLE?+
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
Three things that matter here
01Positioned at the premium end
$2,995,000 runs 340% above the WINDERMERE 34786 median — but at 7,321 sqft it's also nearly twice the size of the typical Windermere listing.
02Fresh on the market
Only 1 day on market in a Windermere market that averages 48 — if it fits, move quickly.
03Strong assigned schools
Windermere High, Bridgewater Middle, Windermere Elementary — Windermere High rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of ONE LUXURY INTERNATIONAL LLC · Julie Christensen. MLS #O6434168.
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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