CENTURY 21 Edge
$1,349,900$1,399,9005 bd3 ba3,356 sqft$402 /sqft≈$9,481 /mo all-in ↓

2540 HEMPEL COVE CT, WINDERMERE, FL, 34786

Active50 days on marketListed Aug 31, 2026MLS #O6436594

✦ Reduced $50KPrivate poolSingle Family ResidenceLAKE DOWN COVE

About this home

2540 HEMPEL COVE CT

Virtually Staged. Set on just over an acre in Windermere, this updated 5-bedroom, 3-bath pool home offers 3,356 square feet of living space, plus a separate flex/bonus room that can be used as a media room, game room, office or additional living space. Located on a cul-de-sac in Lake Down Cove, the property offers something increasingly hard to find in Windermere: an updated home with a private pool, a flexible floor plan and more than an acre of land. Inside, high ceilings and large windows bring in plenty of natural light, while large-format marble-look porcelain tile runs throughout the main living areas. The spacious family room features a modern linear electric fireplace and opens to the kitchen and casual dining area, with views of the pool and backyard. A separate dining room is located just off the entry, and an interior Juliet balcony from the second floor overlooks the family room. The updated kitchen features dark shaker-style soft-close cabinetry, quartz countertops, a large island, farmhouse sink and glass tile backsplash. A six-burner ZLINE gas range with griddle, pot filler and stainless steel hood anchors the cooking area, along with double ovens, a microwave drawer and stainless steel appliances. Three of the five bedrooms are located downstairs, including the primary suite. The primary bedroom overlooks the pool and features crown molding, two walk-in closets and double doors leading outside. The primary bathroom includes dual vanities with quartz countertops, a freestanding soaking tub and a large frameless glass shower finished with marble-look porcelain tile. Two additional bedrooms and a second full bathroom are also downstairs, with one bedroom well suited for use as a home office. The second bathroom has direct access to the pool area. Upstairs are two additional bedrooms, a full bathroom and a separate flex room that could be used as a media room, game room, office or additional living area. The upstairs bathroom features a dual vanity with quartz countertops, a tub/shower combination and updated finishes. One of the upstairs bedrooms also features a private outdoor balcony and an interior Juliet balcony overlooking the family room below. Outside, the 1+ acre lot provides plenty of room to enjoy the property. The private pool is surrounded by a large patio with a partially covered area, while the fenced backyard offers mature trees and generous open space. The outdoor kitchen includes a built-in grill, refrigerator, sink, stone surround and counter space, and a wood-burning fire pit adds another gathering area in the backyard. Additional features include a downstairs laundry room with quartz countertops, sink and extensive cabinetry, plus an oversized two-car garage with workspace and additional storage. With five bedrooms plus a flex room, 3,356 square feet, an updated interior, private pool and more than an acre of land, this Windermere home offers an uncommon amount of space both inside and out. Conveniently located near shopping, dining, community events and major roadways, with easy access throughout Windermere and the greater Orlando area.

Facts & features

The home at a glance

5

Bedrooms

3

Bathrooms

3,356

Sqft

1.01 ac

Lot size

2

Garage

2000

Year built

Two

Levels

$402

Per sqft

Private poolFireplaceGarden & Pool & Trees/Woods viewPets allowed

Inside

FlooringCarpet · Ceramic Tile · Tile · Hardwood
AppliancesBuilt-In Oven · Dishwasher · Disposal · Microwave · Range · Range Hood · Refrigerator
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Smart Home · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofTile
ConstructionStucco · Wood Frame
FoundationSlab
ViewGarden · Pool · Trees/Woods
FacesEast
ParkingDriveway · Garage Door Opener · Garage Faces Side · Oversized
ExteriorBalcony · Dog Run · French Doors · Irrigation System · Outdoor Grill · Outdoor Kitchen · Private Mailbox · Rain Gutters · Sidewalk

Community & fees

HOA fee$95/mo
Taxes (2025)$17,232/yr
PetsYes
CommunitySidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Cable Connected · Electricity Connected · Underground Utilities · Water Connected
WaterWell

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.

$9,481 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,284
PMI (est., until 20% equity)$506
Property tax — 2025 actual bill$1,436
HOA fee — from the listing$95
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $134,990Loan30-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% · $134,990
Interest rate6.00%
Loan term

Estimated payment

$9,481/mo

Principal & interest$7,284
PMI (est., until 20% equity)$506
Property taxes (actual bill)$1,436
HOA / condo fee$95
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.

List $1.3M
$807KedgeAI estimate $925,874 · range $841K–$1.0M$1.4M

vs edgeAI estimate

+45.8%

$/sqft vs Windermere actives

$402 vs $345

Days on market

50 vs 74 typical

Where $402/sqft sits among the 227 Windermere actives

130
31 · this home
24
15
9
18
$225–380$380–535$535–690$690–845$845–1000$1000+

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 Down Cove

Drive times from this address

Universal Orlando≈ 13 min
Downtown Orlando≈ 17 min
Walt Disney World≈ 29 min
Orlando Int’l Airport (MCO)≈ 34 min

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

Get to know Windermere. See the full Windermere guide →

Lake Down Cove — neighborhood snapshot

Population

836

Median age

47

Median income

$250,001

Median home value

$830,900

Avg household

4

Households w/ children

116

For the school run

Orange County School District

MiddleGotha Middle★★★★★
ElementaryThornebrooke Elementary★★★★★
HighOlympia High★★★★★

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

The numbers that matter

The Windermere market

Seller’s marketLeans seller — 3.8 months of inventoryBuyer’s market

$875K → $850K

Windermere median sold, yr/yr

96.5%

Sale-to-list ratio (12 mo)

116 of 227

Windermere actives have cut their price

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

This home is listed 96% above the WINDERMERE 34786 median. See the full Windermere market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,349,900 ▼ $50K
Aug 31, 2026Listed at $1,399,900 · 50 days on market since
2000Built · LAKE DOWN COVE

Reality check

What actually sold near 2540 HEMPEL COVE CT

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

7135 HORIZON CIRCLESold · Mar ’26

$1,330,000

7135 HORIZON CIRCLE

4 bd · 3.5 ba · 3,359 sqft · $396/sqft · 188 DOM

2014 DOWN WOODS LANESold · Jul ’26

$1,390,000

2014 DOWN WOODS LANE

4 bd · 3.5 ba · 3,344 sqft · $416/sqft · 6 DOM

9639 WESTOVER CLUB CIRCLESold · May ’26

$832,500

9639 WESTOVER CLUB CIRCLE

5 bd · 3 ba · 3,248 sqft · $256/sqft · 12 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.

John Carpenter

Your agent

John Carpenter

CFO/Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 2540 HEMPEL COVE CT — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2540 HEMPEL COVE CT — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

2540 HEMPEL COVE CT FAQs

What would the monthly payment be for 2540 HEMPEL COVE CT?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,481/mo — principal and interest, the actual property-tax bill, the $95/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 2540 HEMPEL COVE CT?+

The association fee works out to $95 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 2540 HEMPEL COVE CT?+

The most recent tax bill on record (2025) was $17,232. 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 2540 HEMPEL COVE CT?+

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 $1,349,900, this home is listed about 19% above the Windermere median of $1,130,000. The market section on this page shows how the area is trending.

Which schools are assigned to 2540 HEMPEL COVE CT?+

Gotha Middle (middle), Thornebrooke Elementary (elementary), Olympia High (high) — Orange County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$1,349,900 runs 96% above the WINDERMERE 34786 median.

02Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

03Strong assigned schools

Gotha Middle, Thornebrooke Elementary, Olympia High — Thornebrooke Elementary rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $1,399,900, now $1,349,900 — a $50K cut. The full history is in the market section below.

Listing courtesy of ALIGN REAL ESTATE LLC · Tiffany Pantozzi. MLS #O6436594.

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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