CENTURY 21 Edge
$1,475,0005 bd4.5 ba3,612 sqft$408 /sqft≈$10,101 /mo all-in ↓

5650 NECTARINE DRIVE, WINDERMERE, FL, 34786

Active17 days on marketListed Oct 21, 2026MLS #O6451019

✦ New constructionWaterfrontSingle Family ResidenceLAKE CAWOOD COVE

About this home

5650 NECTARINE DRIVE

NEWLY BUILT HOME WITH LAKE CAWOOD ACCESS ON APPROXIMATELY 1.70 ACRES! Discover refined lake living in this Ashton Woods Duval residence in Lake Cawood Cove, Windermere, with the opportunity to build your own PRIVATE BOAT DOCK. With approximately 3,612 square feet of living space, 5 BEDROOMS, 4 FULL BATHROOMS, 1 HALF BATHROOM, and a 3-CAR TANDEM GARAGE, this home combines generous space with thoughtfully selected upgrades. 10-FOOT CEILINGS ON THE FIRST FLOOR, 9-FOOT CEILINGS ON THE SECOND FLOOR, and 8-FOOT DOORS enhance the spacious feel. NEW LUXURY VINYL PLANK FLOORING extends throughout the home, including the staircase, while the bathrooms and laundry room feature tile flooring. The impressive great room features a SOARING 2-STORY CEILING, creating an open, airy atmosphere that connects seamlessly to the GOURMET KITCHEN and breakfast area. Designed for everyday enjoyment and entertaining, the kitchen features a SPACIOUS ISLAND, an upgraded appliance package, UPGRADED CABINETRY, additional storage cabinets at the back of the island, and a customized pantry layout. A separate dining room provides space for special gatherings. The FIRST-FLOOR BEDROOM SUITE includes a closet and private full bathroom, creating a comfortable retreat for guests. Upstairs, the spacious PRIMARY SUITE features a TRAY CEILING, a LARGE WALK-IN CLOSET, and a private bathroom with separate vanities and a walk-in shower. An additional bedroom suite includes its own full bathroom, while 2 more bedrooms share another full bathroom. A versatile LOFT and conveniently located laundry room complete the second floor. Carefully selected enhancements include UPGRADED BATHROOM TILE with wall tile extending to the ceiling, upgraded toilets, LIGHTING UPGRADES, and wood stair railings. Additional features include sound insulation in selected walls, FOAM INSULATION in the block walls of the living space and garage, and prewiring for ceiling fans, security, and 2 additional wireless access points. An UPGRADED FRENCH DOOR opens to the COVERED LANAI, creating an inviting connection to outdoor living. SUMMER KITCHEN PLUMBING AND ELECTRICAL PROVISIONS provide the flexibility to customize your outdoor entertaining space. A conservation area toward Lake Cawood provides a peaceful, natural backdrop. Enjoy convenient access to Windermere Preparatory School, Windermere High School, Publix, Aldi, shopping, dining, Winter Garden Village, the 429 Expressway, and world-famous theme parks. With its desirable Windermere location, stylish finishes, and spacious layout, this newly built home provides an exceptional opportunity to enjoy the Florida lifestyle. Schedule your private showing today! VIDEO, 3D TOUR, AND FLOOR PLAN LINKS ABOVE.

Facts & features

The home at a glance

5

Bedrooms

4.5

Bathrooms

3,612

Sqft

1.7 ac

Lot size

3

Garage

2026

Year built

Two

Levels

$408

Per sqft

WaterfrontWater viewPets allowed

Inside

FlooringCeramic Tile · Luxury Vinyl
AppliancesBuilt-In Oven · Convection Oven · Dishwasher · Disposal · Electric Water Heater · Exhaust Fan · Microwave
InteriorEating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Split Bedroom · Stone Counters · Tray Ceiling(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesNorth
ParkingGarage Door Opener · Tandem
ExteriorFrench Doors · Irrigation System · Sidewalk

Community & fees

HOA fee$106/mo
Taxes (2026)$0/yr
PetsYes
CommunityPlayground · Pool · Sidewalks

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Public · Sewer Connected · Sprinkler Recycled · 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.

$10,101 /mo · 10% down Conventional, 30-yr fixed at 7.5%

Principal & interest$9,282
PMI (est., until 20% equity)$553
Property tax — 2026 actual bill$0
HOA fee — from the listing$106
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $147,500Loan30-yr fixed at 7.5%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% · $147,500
Interest rate7.50%
Loan term

Estimated payment

$11,453/mo

Principal & interest$9,282
PMI (est., until 20% equity)$553
Est. property taxes$1,352
HOA / condo fee$106
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Can I afford this home? → See what you can comfortably afford from your income, debts and savings.

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 $1.5M
$1.4MedgeAI estimate $2,249,895 · range $2.0M–$2.5M$2.6M

vs edgeAI estimate

−34.4%

$/sqft vs Windermere actives

$408 vs $349

Days on market

17 vs 67 typical

Where $408/sqft sits among the 227 Windermere actives

123
38 · this home
23
17
10
16
$224–376$376–528$528–680$680–832$832–984$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 Summerport

Drive times from this address

Walt Disney World≈ 20 min
Downtown Orlando≈ 22 min
Universal Orlando≈ 25 min
Orlando Int’l Airport (MCO)≈ 37 min

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

Get to know Windermere. See the full Windermere guide →

Summerport — neighborhood snapshot

Population

2,985

Median age

41

Median income

$133,906

Median home value

$523,800

Avg household

3

Households w/ children

439

For the school run

Orange County School District

ElementaryKeenes Crossing Elementary★★★★★
HighWindermere High★★★★★
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

$835K → $668K

Windermere median sold, yr/yr

96.5%

Sale-to-list ratio (12 mo)

112 of 227

Windermere actives have cut their price

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

This home is listed 97% above the WINDERMERE 34786 median. See the full Windermere market guide →

Paper trail

This home's history

Oct 21, 2026Listed at $1,475,000 · 17 days on market since
2026Built · LAKE CAWOOD COVE

Reality check

What actually sold near 5650 NECTARINE DRIVE

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

5650 NECTARINE DRIVESold · Sep ’26

$1,184,072

5650 NECTARINE DRIVE · same community

5 bd · 4.5 ba · 4,000 sqft · $296/sqft · 0 DOM

5565 LEMON ORCHARD BENDSold · Oct ’26

$631,034

5565 LEMON ORCHARD BEND · same community

3 bd · 2.5 ba · 1,714 sqft · $368/sqft · 0 DOM

13305 LUSH LIME ALLEYSold · Oct ’26

$592,146

13305 LUSH LIME ALLEY · same community

3 bd · 2.5 ba · 1,714 sqft · $345/sqft · 0 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.

Kemarie Johnson

Your agent

Kemarie Johnson

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 5650 NECTARINE 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 5650 NECTARINE DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

5650 NECTARINE DRIVE FAQs

What would the monthly payment be for 5650 NECTARINE DRIVE?+

With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $10,101/mo — principal and interest, estimated property taxes, the $106/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 5650 NECTARINE DRIVE?+

The association fee works out to $106 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 5650 NECTARINE DRIVE?+

The most recent tax bill on record (2026) was $0. 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 5650 NECTARINE 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 $1,475,000, this home is listed about 31% 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 5650 NECTARINE DRIVE?+

Keenes Crossing Elementary (elementary), Windermere High (high), Bridgewater 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

$1,475,000 runs 97% above the WINDERMERE 34786 median.

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

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

Listing courtesy of LA ROSA REALTY LLC · Aziz Elbrak. MLS #O6451019.

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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