CENTURY 21 Edge
$3,300,0004 bd5.5 ba3,966 sqft$832 /sqft$21,524 /mo all-in ↓

515 W 2ND AVENUE, WINDERMERE, FL, 34786

Active16 days on marketListed Sep 5, 2026MLS #O6439554

WaterfrontPrivate poolSingle Family ResidenceWINDERMERE TOWN

About this home

515 W 2ND AVENUE

Experience the extraordinary lifestyle of waterfront living in the heart of historic Windermere. Set on approximately 2/3rd of an acre with an impressive 100 feet of frontage on the renowned Butler Chain of Lakes, This home offers a rare combination of luxury, privacy, space, and direct access to one of Central Florida's most coveted boating destinations. This beautifully appointed custom residence offers nearly 4,000 square feet of living space with four bedrooms, soaring ceilings, elegant formal living and dining areas, a spacious kitchen and family room, game room, wet bar, and a thoughtfully designed split-bedroom floor plan. Rich wood and travertine marble flooring, refined architectural details, generous windows bath the main living areas with natural light, and multiple gathering spaces create an atmosphere that is both sophisticated and inviting. A whole house natural gas generator and city water provide peace of mind knowing your family is porotected during the worst Florida storms The primary suite is a private retreat, featuring a luxurious bath with spa-style amenities, a generous walk-in closet, and a serene connection to the surrounding grounds. The home's open living spaces are designed for effortless entertaining, while the separate formal areas provide an elegant setting for more intimate occasions. Outside, the property becomes a private resort. Enjoy the pool and spa surrounded by mature landscaping and expansive outdoor living areas. The private boathouse has a covered boat lift with a "Touchless" Canvas Boat cover that protects your boat from animals and the elements , 2 Jet Ski lifts, Sitting area with fan and mood lighting, Garden hose with city water for cleaning, seawall that has a small beach carved in to allow for playing in the sand of the crystal clear lake, and direct lake access make this an exceptional opportunity for boating, water sports, fishing, and sunset cruises throughout the Butler Chain. Life here extends beyond the property itself. Located on one of Windermere's most desirable paved streets, the home is just moments from the charm of historic downtown Windermere, with its tree-lined streets, local shops, restaurants, parks, community amenities, and small-town atmosphere. Residents enjoy the unique privilege of living among the lakes while remaining conveniently connected to Central Florida's premier dining, shopping, entertainment, and attractions. The Town of Windermere describes its lakes as a beloved community privilege, with the Butler Chain comprising a remarkable network of interconnected waterways. Whether you're enjoying coffee overlooking the water, entertaining beside the pool, stepping aboard your boat for an afternoon on the chain, or returning home to the peaceful canopy of mature trees, this home embodies the very best of Windermere lakefront living. Original house was built in 1961 but completely expanded and remodeled in 2000 - present owner made upgrades in 2023 - call for details

Facts & features

The home at a glance

4

Bedrooms

5.5

Bathrooms

3,966

Sqft

0.66 ac

Lot size

3

Garage

2000

Year built

One

Levels

$832

Per sqft

Private poolWaterfrontFireplaceWater viewPets allowed

Inside

FlooringMarble · Travertine
AppliancesBar Fridge · Dishwasher · Disposal · Electric Water Heater · Microwave · Range · Range Hood · Refrigerator · Tankless Water Heater · Water Filtration System · Wine Refrigerator
InteriorBuilt-in Features · Cathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSouth
ParkingGarage Faces Side · Golf Cart Garage · Golf Cart Parking · RV Parking
ExteriorBasketball Court · Irrigation System · Lighting · Outdoor Grill

Community & fees

Taxes (2025)$27,835/yr
PetsYes
CommunityLake · Public Boat Ramp · Waterfront · Golf Carts OK · Park · Playground · Racquetball · Tennis Court(s)

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Natural Gas Connected · Underground Utilities · Water Connected
WaterCanal/Lake For Irrigation

The numbers

What it really costs

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

$21,524 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$17,807
PMI (est., until 20% equity)$1,238
Property tax — 2025 actual bill$2,320
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $330,000Loan30-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% · $330,000
Interest rate6.00%
Loan term

Estimated payment

$21,524/mo

Principal & interest$17,807
PMI (est., until 20% equity)$1,238
Property taxes (actual bill)$2,320
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 Windermere actives

$832 vs $337

Days on market

16 vs 48 typical

Where $832/sqft sits among the 221 Windermere actives

127
33
22
14
8 · this home
17
$222–374$374–526$526–679$679–831$831–984$984+

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 Windermere

Drive times from this address

Universal Orlando14 min
Downtown Orlando21 min
Walt Disney World28 min
Orlando Int’l Airport (MCO)35 min

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

Get to know Windermere. See the full Windermere guide →

WINDERMERE 34786 — neighborhood snapshot

Population

43,700

Median age

37.9

Median income

$131,409

Median home value

$621,300

Avg household

2.9

Households w/ children

6,277

For the school run

Orange County School District

ElementaryWindermere Elementary★★★★★
HighOlympia High★★★★★
MiddleGotha Middle★★★★★

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

The numbers that matter

The Windermere market

Seller’s marketLeans seller4.0 months of inventoryBuyer’s market

$875K$840K

Windermere median sold, yr/yr

96.5%

Sale-to-list ratio (12 mo)

117 of 221

Windermere actives have cut their price

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

This home is listed 385% above the WINDERMERE 34786 median. See the full Windermere market guide →

Paper trail

This home's history

Sep 5, 2026Listed at $3,300,000 · 16 days on market since
2000Built · WINDERMERE TOWN

Reality check

What actually sold near 515 W 2ND AVENUE

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

325 MAGNOLIA STREETSold · Jul ’26

$2,249,000

325 MAGNOLIA STREET · same community

4 bd · 3 ba · 3,975 sqft · $566/sqft · 66 DOM

1020 OAKDALE STREETSold · Apr ’26

$2,171,470

1020 OAKDALE STREET · same community

5 bd · 4.5 ba · 3,994 sqft · $544/sqft · 107 DOM

830 OAKDALE STREETSold · Oct ’25

$1,700,000

830 OAKDALE STREET · same community

4 bd · 4.5 ba · 3,670 sqft · $463/sqft · 319 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 515 W 2ND AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 515 W 2ND AVENUE — 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

515 W 2ND AVENUE FAQs

What would the monthly payment be for 515 W 2ND AVENUE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $21,524/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 515 W 2ND AVENUE?+

The most recent tax bill on record (2025) was $27,835. 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 515 W 2ND AVENUE?+

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 $3,300,000, this home is listed about 203% 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 515 W 2ND AVENUE?+

Windermere Elementary (elementary), Olympia High (high), Gotha Middle (middle) — 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

$3,300,000 runs 385% above the WINDERMERE 34786 median — but at 3,966 sqft it's also 21% larger than the typical Windermere listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Strong assigned schools

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

Listing courtesy of VINTAGE REALTY GROUP LLC · Darrell Nunnelley. MLS #O6439554.

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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