13786 SUMMER HARBOR COURT, WINDERMERE, FL, 34786
Active27 days on marketListed Aug 26, 2026MLS #O6436856
About this home
13786 SUMMER HARBOR COURT
Virtually Staged. Available Now! This beautifully appointed 4-bedroom, 2.5-bath home offers comfort, style, and picturesque water views. Relax on the charming front porch and enjoy the tranquil waterfront setting. The first floor features an open-concept layout with a spacious family room, dining area, and a well-equipped kitchen boasting granite countertops, stainless steel appliances, abundant cabinetry, and a breakfast bar that seamlessly opens to the great room, making it ideal for both everyday living and entertaining. A convenient half bath is also located on the main level. Upstairs, you'll find a versatile loft that can serve as a home office, media room, play area, or additional living space. The second floor also includes three secondary bedrooms, a full bathroom, and a laundry room for added convenience. The spacious primary suite features beautiful water views, dual walk-in closets, and a private en-suite bath. Conveniently located near shopping, dining, grocery stores, parks, and major roadways, this home offers easy access to everyday essentials and area attractions. Residents can enjoy nearby recreational opportunities, community amenities, and convenient commuting options.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,236
Sqft
0.1 ac
Lot size
2
Garage
2015
Year built
Two
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.
$182 /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
$182/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 $338
Days on market
27 vs 48 typical
Where $1/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 Summerport Trails
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Windermere. See the full Windermere guide →
Summerport Trails — neighborhood snapshot
Population
103
Median age
30
Median income
$107,895
Median home value
$382,500
Avg household
3
Households w/ children
8%
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)
117 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 100% below the WINDERMERE 34786 median. See the full Windermere market guide →
Paper trail
This home's history
Reality check
What actually sold near 13786 SUMMER HARBOR COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$635,000
6587 OLD CARRIAGE ROAD
3 bd · 2 ba · 2,224 sqft · $286/sqft · 6 DOM
Sold · Mar ’26$575,000
14633 WHITTRIDGE DRIVE
3 bd · 2 ba · 2,224 sqft · $259/sqft · 7 DOM
Sold · Sep ’25$565,000
6545 CHAGFORD LANE
3 bd · 2.5 ba · 2,265 sqft · $249/sqft · 0 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 13786 SUMMER HARBOR COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13786 SUMMER HARBOR COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
13786 SUMMER HARBOR COURT FAQs
What would the monthly payment be for 13786 SUMMER HARBOR COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $182/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.
Are pets allowed at 13786 SUMMER HARBOR COURT?+
The listing reports pets: No. 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 $3,100, 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 13786 SUMMER HARBOR COURT?+
Windermere High (high), Keenes Crossing Elementary (elementary), Bridgewater Middle (middle) — Orange County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the WINDERMERE 34786 market on paper
$3,100 is 100% below the WINDERMERE 34786 median of $680,000, and at $1/sqft it sits under the Windermere average of $448.
02Park/Greenbelt & Water views
The park/greenbelt and water view is part of what you're buying — views hold value independently of the structure.
03Strong assigned schools
Windermere High, Keenes Crossing Elementary, Bridgewater Middle — Windermere High rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of DEBORAH E GARSON PA · Deborah Garson. MLS #O6436856.
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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