CENTURY 21 Edge
$1,350,0007 bd6.5 ba5,240 sqft$258 /sqft≈$10,459 /mo all-in ↓

13485 PANAMA BEACH COURT, ORLANDO, FL, 32827

Active9 days on marketListed Oct 1, 2026MLS #O6446551

WaterfrontSingle Family ResidenceISLES/LK NONA PH 2

Come see it

Upcoming open house

Sun, Oct 11

1:00 PM – 4:00 PM

Gate Code 68282# or contact listing agent for the QR code

About this home

13485 PANAMA BEACH COURT

Virtually Staged. A standout homesite changes everything. Positioned at the end of a cul-de-sac with no rear neighbor, open green space along one side and expansive water views wrapping two sides of the property, this Pulte Upton offers a combination of space, privacy and setting that immediately separates it from typical inventory in Isles of Lake Nona. Built in 2022, the home features 7 bedrooms, 6.5 bathrooms and a 3-car garage, with an expansive and highly functional two-story layout designed for everyday living, guests, working from home and entertaining. A wide paver driveway, stone-accented elevation and mature landscaping create a strong first impression. Inside, bright gathering spaces, high ceilings and abundant natural light complement a clean, neutral design. The kitchen is built for both scale and function, featuring an oversized island, quartz countertops, extensive cabinetry, stainless steel appliances, built-in oven, cooktop and modern range hood. It connects naturally to the main living and dining areas, creating the open flow expected in a home of this caliber. The first-floor primary suite provides privacy from the secondary bedrooms, while the remainder of the floorplan offers an uncommon amount of usable space. Upstairs, a substantial loft creates a true second living area, complemented by additional bedrooms, bathrooms and flexible spaces ideal for media, recreation, a home office, fitness or guests. The premium homesite is a defining advantage. Rather than backing directly to another home, the property opens to water, green space and long-distance community views, creating a distinctly different sense of openness from both inside and outside the residence. The cul-de-sac location further limits through traffic and enhances the property's position within the neighborhood. Located within the gated Isles of Lake Nona, residents enjoy resort-style amenities including a clubhouse, fitness center, community pool and splash pad, tennis and pickleball courts, basketball, playground areas and additional recreational spaces. The community's network of lakes and ponds helps create the waterfront setting that defines much of the neighborhood. The home is minutes from Lake Nona Medical City, USTA National Campus, Boxi Park, Lake Nona Town Center, Lake Nona West, Orlando International Airport, SR 417 and SR 528, providing convenient access to Lake Nona's employment centers, dining, shopping and recreation. Current area listings identify Laureate Park Elementary, Luminary Middle and Lake Nona High for this portion of the community; buyers should independently verify current school assignments with Orange County Public Schools. For buyers seeking a luxury home in a gated Lake Nona community with expansive living space, a first-floor primary suite, three-car garage, water views and a premium cul-de-sac homesite, this property delivers a combination of interior scale and setting that is difficult to recreate.

Facts & features

The home at a glance

7

Bedrooms

6.5

Bathrooms

5,240

Sqft

0.18 ac

Lot size

3

Garage

2022

Year built

Two

Levels

$258

Per sqft

WaterfrontWater view

Inside

FlooringCarpet · Ceramic Tile
AppliancesBuilt-In Oven · Dishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Range Hood · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · In Wall Pest System · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSouthwest
ExteriorIrrigation System · Lighting · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$439/mo
Taxes (2026)$24,828/yr
PetsCats OK, Dogs OK, Number Limit
CommunityClubhouse · Community Mailbox · Fitness Center · Gated Community - No Guard · Irrigation-Reclaimed Water · Park · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesPublic
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.

$10,459 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$7,285
PMI (est., until 20% equity)$506
Property tax — 2026 actual bill$2,069
HOA fee — from the listing$439
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $135,000Loan30-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% · $135,000
Interest rate6.00%
Loan term

Estimated payment

$10,459/mo

Principal & interest$7,285
PMI (est., until 20% equity)$506
Property taxes (actual bill)$2,069
HOA / condo fee$439
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 $1.4M
$922KedgeAI estimate $990,464 · range $961K–$1.1M$1.4M

vs edgeAI estimate

+36.3%

$/sqft vs Orlando actives

$258 vs $237

Days on market

9 vs 67 typical

Where $258/sqft sits among the 400 Orlando actives

103
123
93 · this home
40
14
27
$138–194$194–249$249–305$305–361$361–416$416+

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 City Of Orlando/goaa

Drive times from this address

Orlando Int’l Airport (MCO)≈ 22 min
Downtown Orlando≈ 30 min
Walt Disney World≈ 33 min
Universal Orlando≈ 34 min

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

Get to know Orlando. See the full Orlando guide →

For the school run

Orange County School District

HighLake Nona High★★★★★
Middle34-M-W-7 (34-M-N-7)

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

The numbers that matter

The Orlando market

Seller’s marketLeans seller — 4.6 months of inventoryBuyer’s market

$400K → $395K

Orlando median sold, yr/yr

97.1%

Sale-to-list ratio (12 mo)

187 of 400

Orlando actives have cut their price

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

This home is listed 144% above the ORLANDO 32827 median. See the full Orlando market guide →

Paper trail

This home's history

Oct 1, 2026Listed at $1,350,000 · 9 days on market since
2022Built · ISLES/LK NONA PH 2

Reality check

What actually sold near 13485 PANAMA BEACH COURT

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

13827 TYBEE BEACH LANESold · May ’26

$1,450,000

13827 TYBEE BEACH LANE · same community

6 bd · 5.5 ba · 5,363 sqft · $270/sqft · 4 DOM

13846 TYBEE BEACH LANESold · Jan ’26

$1,000,000

13846 TYBEE BEACH LANE · same community

6 bd · 3.5 ba · 4,163 sqft · $240/sqft · 0 DOM

13384 PANAMA BEACH COURTSold · Jun ’26

$1,390,000

13384 PANAMA BEACH COURT · same community

5 bd · 4.5 ba · 3,561 sqft · $390/sqft · 60 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.

Nicholas Giaccone

Your agent

Nicholas Giaccone

Director of Agent Success · CENTURY 21 Edge

Tours, negotiation, and every question about 13485 PANAMA BEACH COURT — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 13485 PANAMA BEACH 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

13485 PANAMA BEACH COURT FAQs

What would the monthly payment be for 13485 PANAMA BEACH COURT?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,459/mo — principal and interest, the actual property-tax bill, the $439/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 13485 PANAMA BEACH COURT?+

The association fee works out to $439 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 13485 PANAMA BEACH COURT?+

The most recent tax bill on record (2026) was $24,828. 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 13485 PANAMA BEACH COURT?+

The listing reports pets: Cats OK, Dogs OK, Number Limit. 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 Orlando?+

At $1,350,000, this home is listed about 255% above the Orlando median of $379,900. The market section on this page shows how the area is trending.

Which schools are assigned to 13485 PANAMA BEACH COURT?+

Lake Nona High (high), 34-M-W-7 (34-M-N-7) (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

$1,350,000 runs 144% above the ORLANDO 32827 median — but at 5,240 sqft it's also nearly 3 times the size of the typical Orlando 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

Lake Nona High, 34-M-W-7 (34-M-N-7) — Lake Nona High rates 4 of 5. Always verify assignments with the district.

Listing courtesy of EXP REALTY LLC · Bobby Baldor, PA. MLS #O6446551.

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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