CENTURY 21 Edge
$2,199,000$2,350,0004 bd5 ba4,169 sqft$527 /sqft≈$15,634 /mo all-in ↓

11532 WATERSTONE LOOP DRIVE, WINDERMERE, FL, 34786

Active19 days on marketListed Sep 29, 2026MLS #O6444548

✦ Reduced $151KPrivate poolSingle Family ResidenceWATERSTONE

About this home

11532 WATERSTONE LOOP DRIVE

SINGLE STORY LIVING and PRIVATE PEDESTRIAN-GATED ACCESS to WINDERMERE PREPARATORY SCHOOL from within the community distinguish this custom Waterstone home. Built in 2014 and located behind a staffed, guard-gated entrance, the residence offers approximately 4,169 square feet, four bedrooms, four full baths, two half baths, and a three-car garage. Two stately palms welcome you to the beautifully landscaped 0.44-acre homesite, while landscape lighting highlights the grounds after sunset. From the moment you enter, the view opens to the CENTRAL COURTYARD, SALTWATER POOL, and SPA. Direct access from the kitchen, family room, and primary suite makes the courtyard part of daily life. Covered lanais, generous lounging areas, a summer kitchen with a full-size motorized screen, and an outdoor fireplace provide space to gather and dine outdoors. The courtyard has been freshly painted, and the travertine pavers were recently sealed. Inside, soaring ceilings, tray details, crown molding, and expansive windows bring light and courtyard views into the living spaces. The kitchen features Wolf and Sub-Zero appliances, rich wood cabinetry, dual islands, bar seating, and a concealed walk-in pantry. The spacious primary suite includes hardwood flooring, a sitting area, two expansive custom walk-in closets, and a bath with a soaking tub, oversized rainfall shower, and generous vanity space. An adjoining flex room can serve as a home office, gym, or private retreat. Additional features include two newer air-conditioning units serving the multizone HVAC system, a sound system throughout the indoor and outdoor living areas, a whole-house Lorex camera system, a porte-cochère, and an expansive paver driveway. Waterstone is near Windermere High School, with convenient access to Winter Garden Village, Lakeside Village, Walt Disney World, and major Orlando routes. Schedule a private showing to experience this distinctive Windermere courtyard home.

Facts & features

The home at a glance

4

Bedrooms

5

Bathrooms

4,169

Sqft

0.44 ac

Lot size

3

Garage

2014

Year built

One

Levels

$527

Per sqft

Private poolFireplacePool & Trees/Woods viewPets allowed

Inside

FlooringPorcelain Tile · Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Gas Water Heater · Microwave · Range Hood · Refrigerator · Tankless Water Heater · Washer
InteriorBuilt-in Features · Crown Molding · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Smart Home · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room · Washer Hookup
CoolingCentral Air · Zoned
HeatingCentral · Zoned

Outside & construction

RoofConcrete · Tile
ConstructionBlock · Stucco
FoundationSlab
ViewPool · Trees/Woods
FacesNortheast
ParkingCovered · Driveway · Garage Door Opener · Garage Faces Side · Portico
ExteriorCourtyard · Irrigation System · Lighting · Other · Outdoor Grill · Outdoor Kitchen · Private Yard · Rain Gutters · Sliding Doors

Community & fees

HOA fee$442/mo
Taxes (2025)$28,104/yr
PetsYes
CommunityCommunity Mailbox · Deed Restrictions · Gated Community - Guard · Park · Sidewalks

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Natural Gas Connected · Public · Sewer Connected · Sprinkler Meter · Water Connected
WaterPublic

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.

$15,634 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$11,866
PMI (est., until 20% equity)$825
Property tax — 2025 actual bill$2,342
HOA fee — from the listing$442
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $219,900Loan30-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% · $219,900
Interest rate6.00%
Loan term

Estimated payment

$15,634/mo

Principal & interest$11,866
PMI (est., until 20% equity)$825
Property taxes (actual bill)$2,342
HOA / condo fee$442
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 $2.2M
$1.5MedgeAI estimate $1,789,052 · range $1.6M–$2.0M$2.3M

vs edgeAI estimate

+22.9%

$/sqft vs WATERSTONE

$527 vs $188

Days on market

19 vs 73 typical

Where $527/sqft sits among the 8 homes for sale in WATERSTONE

8
0
0
0
0
0 · this home
$169–229$229–289$289–348$348–408$408–468$468+

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 Waterstone

Drive times from this address

Walt Disney World≈ 22 min
Universal Orlando≈ 23 min
Downtown Orlando≈ 28 min
Orlando Int’l Airport (MCO)≈ 40 min

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

Get to know Windermere. See the full Windermere guide →

Waterstone — neighborhood snapshot

Population

1,067

Median age

46

Median income

$166,793

Median home value

$1,026,300

Avg household

3

Households w/ children

121

For the school run

Orange County School District

HighWindermere High★★★★★
ElementaryWindermere Elementary★★★★★
MiddleBridgewater Middle★★★★★

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)

2 of 8

WATERSTONE have cut their price

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

This home is listed 223% above the WINDERMERE 34786 median. See the full Windermere market guide →

Paper trail

This home's history

CurrentPrice reduced to $2,199,000 ▼ $151K
Sep 29, 2026Listed at $2,350,000 · 19 days on market since
2014Built · WATERSTONE

Reality check

What actually sold near 11532 WATERSTONE LOOP DRIVE

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

6222 LECCO WAYSold · Feb ’26

$1,550,000

6222 LECCO WAY · same community

5 bd · 3.5 ba · 3,967 sqft · $391/sqft · 34 DOM

232 STREAMWATER WAYSold · Aug ’26

$432,824

232 STREAMWATER WAY · same community

6 bd · 5 ba · 3,001 sqft · $144/sqft · 6 DOM

7413 FIELDSTONE DRIVESold · Sep ’26

$410,000

7413 FIELDSTONE DRIVE · same community

4 bd · 2.5 ba · 2,514 sqft · $163/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.

Zack Zonker

Your agent

Zack Zonker

President Tampa Division · CENTURY 21 Edge

Tours, negotiation, and every question about 11532 WATERSTONE LOOP DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 11532 WATERSTONE LOOP DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

11532 WATERSTONE LOOP DRIVE FAQs

What would the monthly payment be for 11532 WATERSTONE LOOP DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $15,634/mo — principal and interest, the actual property-tax bill, the $442/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 11532 WATERSTONE LOOP DRIVE?+

The association fee works out to $442 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 11532 WATERSTONE LOOP DRIVE?+

The most recent tax bill on record (2025) was $28,104. 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 11532 WATERSTONE LOOP DRIVE?+

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 $2,199,000, this home is listed about 95% 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 11532 WATERSTONE LOOP DRIVE?+

Windermere High (high), Windermere Elementary (elementary), Bridgewater Middle (middle) — 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

$2,199,000 runs 223% above the WINDERMERE 34786 median — but at 4,169 sqft it's also 27% larger than the typical Windermere listing.

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

Windermere High, Windermere Elementary, Bridgewater Middle — Windermere High rates 4 of 5. Always verify assignments with the district.

04The price has already moved

Listed at $2,350,000, now $2,199,000 — a $151K cut. The full history is in the market section below.

Listing courtesy of BHHS FLORIDA REALTY · Andrew Kincaid. MLS #O6444548.

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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