6544 CARTMEL LANE, WINDERMERE, FL, 34786
Active3 days on marketListed Oct 10, 2026MLS #O6447314
About this home
6544 CARTMEL LANE
Welcome to Villa Cartmel, where privacy lives beautifully. Set behind the gates of Lake Butler Sound, this exceptional Windermere residence offers a rare combination of privacy, tranquility, and effortless Florida living. With 5 bedrooms, 4.5 bathrooms, and a 3-car garage, the home has been thoughtfully designed for everyday comfort, elegant entertaining, and the relaxed lifestyle that makes Central Florida so desirable. From the moment you enter, beautifully appointed living spaces flow naturally from one to the next, creating an atmosphere that feels luxury yet welcoming. Expansive windows bring abundant natural light into the interiors while framing the lush greenery beyond and creating a seamless visual connection with the outdoors. At the heart of the home, the beautifully designed kitchen combines style and functionality with Viking appliances, generous workspace, ample cabinetry, and an inviting layout that connects effortlessly with the surrounding living and entertaining areas. Whether hosting an intimate dinner or gathering with family and friends, the home is designed to bring everyone together. The primary suite is a retreat of its own, offering a peaceful escape from the main living areas. Its spa-inspired bath creates a serene environment for relaxation, transforming everyday routines into a more indulgent experience and giving the suite the feeling of a private sanctuary within the home. Step outside and Villa Cartmel reveals one of its most compelling features. Surrounded by lush landscaping and protected conservation views, the backyard offers exceptional privacy and a beautiful natural backdrop. The pool becomes the centerpiece of a true outdoor living experience, complemented by generous areas for lounging, dining, and entertaining. Enjoy the luxury of your own private 3-hole golf course, where leisure, elegance, and the beauty of outdoor living come together at Villa Cartmel. A screened outdoor kitchen extends the living space beyond the interiors and makes year-round Florida entertaining effortless. Enjoy quiet mornings overlooking the greenery, relaxed afternoons by the pool, al fresco dinners, or evenings spent with family and friends. With its mature landscaping and conservation setting, the outdoor space feels less like a traditional backyard and more like a private resort at home. Additional bedrooms and living spaces provide flexibility for family and guests while preserving the sense of comfort and privacy found throughout the residence. Located within the private gates of Lake Butler Sound, Villa Cartmel offers a remarkable balance of seclusion and connection—the tranquility of its natural surroundings paired with the convenience and lifestyle of one of Windermere’s most desirable communities. Elegant without being formal and private without feeling secluded, this is a home created for entertaining, unwinding, and enjoying life both indoors and out. Villa Cartmel transcends the ordinary definition of luxury living and design. A distinguished private estate where timeless elegance, refined sophistication, and an extraordinary lifestyle converge.
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
3,975
Sqft
0.56 ac
Lot size
3
Garage
2004
Year built
Two
Levels
$601
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
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.
$16,167 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$16,167/mo
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.
vs edgeAI estimate
+54.6%
$/sqft vs Windermere actives
$601 vs $348
Days on market
3 vs 80 typical
Where $601/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 Reserve At Lake Butler Sound
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Windermere. See the full Windermere guide →
Reserve At Lake Butler Sound — neighborhood snapshot
Population
1,558
Median age
46
Median income
$166,793
Median home value
$1,026,300
Avg household
3
Households w/ children
190
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 → $850K
Windermere median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
113 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 247% above the WINDERMERE 34786 median. See the full Windermere market guide →
Paper trail
This home's history
Reality check
What actually sold near 6544 CARTMEL LANE
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$1,980,000
11753 VINCI DRIVE
4 bd · 4.5 ba · 4,037 sqft · $490/sqft · 19 DOM
Sold · Oct ’25$1,625,000
8424 LAKE BURDEN CIRCLE
5 bd · 4 ba · 3,810 sqft · $427/sqft · 50 DOM
Sold · May ’26$1,300,000
8375 BOWDEN WAY
4 bd · 3.5 ba · 3,809 sqft · $341/sqft · 158 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 6544 CARTMEL LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6544 CARTMEL LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
6544 CARTMEL LANE FAQs
What would the monthly payment be for 6544 CARTMEL LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $16,167/mo — principal and interest, the actual property-tax bill, the $637/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 6544 CARTMEL LANE?+
The association fee works out to $637 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6544 CARTMEL LANE?+
The most recent tax bill on record (2026) was $18,924. 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 6544 CARTMEL LANE?+
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 $2,390,000, this home is listed about 119% above the Windermere median of $1,090,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6544 CARTMEL LANE?+
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
Five things that matter here
01Positioned at the premium end
$2,390,000 runs 247% above the WINDERMERE 34786 median — but at 3,975 sqft it's also 22% 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.
03Know the monthly fee
The association fee is $637/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 3 days on market in a Windermere market that averages 80 — if it fits, move quickly.
05Strong assigned schools
Windermere High, Windermere Elementary, Bridgewater Middle — Windermere High rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA CONNEXION PROPERTIES · Debora Segnini. MLS #O6447314.
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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