17538 BLACK RAIL STREET, WINDERMERE, FL, 34786
Active4 days on marketListed Oct 16, 2026MLS #O6449981
About this home
17538 BLACK RAIL STREET
WATER VIEW! DISNEY FIREWORKS! 4,999 SQ FT OF LIVING SPACE! TWO PRIMARY SUITES, ONE ON EACH FLOOR! 3 CAR GARAGE! Located in the desirable Enclave community of Windermere, this spacious 5 bedroom home offers an exceptional floor plan with a primary suite on the first floor and a generously sized primary retreat upstairs. Highlights include expansive living areas, formal dining room, private office, dedicated Media Room, and a large upstairs Loft, offering plenty of space for entertaining, relaxing, and everyday living. The spacious kitchen features a pantry and ample storage, complemented by a covered lanai overlooking the water. A well designed Mudroom with extensive custom cabinetry and generous storage, plus a central vacuum system, adds everyday convenience. Beautifully maintained, this residence combines generous living space, comfort, and versatility, with excellent potential to personalize its interiors to your own style. Enjoy the best of Windermere living with beautiful water views, Disney fireworks in the distance, and an exceptional combination of space, functionality, and location.
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
4,999
Sqft
0.21 ac
Lot size
3
Garage
2014
Year built
Two
Levels
$238
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.
$8,667 /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
$8,667/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
+10.2%
$/sqft vs Windermere actives
$238 vs $348
Days on market
4 vs 74 typical
Where $238/sqft sits among the 224 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 Enclave At Windermere Landing
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Windermere. See the full Windermere guide →
Enclave At Windermere Landing — neighborhood snapshot
Population
516
Median age
38
Median income
$87,571
Median home value
$388,900
Avg household
3
Households w/ children
70%
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)
116 of 224
Windermere actives have cut their price
Median sold price, Windermere, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 73% above the WINDERMERE 34786 median. See the full Windermere market guide →
Paper trail
This home's history
Reality check
What actually sold near 17538 BLACK RAIL STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$1,400,000
17521 BLACK RAIL STREET · same community
6 bd · 4.5 ba · 5,316 sqft · $263/sqft · 96 DOM
Sold · May ’26$1,250,000
11658 HAMPSTEAD STREET · same community
7 bd · 4.5 ba · 4,563 sqft · $274/sqft · 68 DOM
Sold · Sep ’26$1,100,000
6443 SWANSON STREET · same community
5 bd · 4 ba · 3,971 sqft · $277/sqft · 19 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 17538 BLACK RAIL STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 17538 BLACK RAIL STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
17538 BLACK RAIL STREET FAQs
What would the monthly payment be for 17538 BLACK RAIL STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,667/mo — principal and interest, the actual property-tax bill, the $168/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 17538 BLACK RAIL STREET?+
The association fee works out to $168 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 17538 BLACK RAIL STREET?+
The most recent tax bill on record (2025) was $17,730. 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 17538 BLACK RAIL STREET?+
The listing reports pets: Cats OK, Dogs OK. 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 $1,189,000, this home is listed about 5% 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 17538 BLACK RAIL STREET?+
Sunset Park Elementary (elementary), Horizon West Middle (middle), Windermere High (high) — 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
$1,189,000 runs 73% above the WINDERMERE 34786 median — but at 4,999 sqft it's also 52% larger than the typical Windermere listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 4 days on market in a Windermere market that averages 74 — if it fits, move quickly.
04Strong assigned schools
Sunset Park Elementary, Horizon West Middle, Windermere High — Sunset Park Elementary rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of KARDOSH REALTY · Mauro Mateo. MLS #O6449981.
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.
Never miss a listing
New Windermere homes, in your inbox
Like 17538 BLACK RAIL STREET but not quite? A daily digest of every new listing in Windermere — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Tommy to ping you on any price or status change →