
5638 NECTARINE DRIVE, WINDERMERE, FL, 34786
Active9 days on marketListed Oct 29, 2026MLS #O6452714
About this home
5638 NECTARINE DRIVE
BEAUTIFUL LAKE CAWOOD VIEWS AND WATER ACCESS SET THE SCENE FOR THIS NEWLY BUILT WINDERMERE HOME! Situated on a PREMIUM LOT in Lake Cawood Cove, this residence welcomes you with a SPACIOUS COVERED FRONT PORCH, thoughtfully selected upgrades, and an elegant, spacious design. This Ashton Woods DUVAL FLOOR PLAN offers approximately 3,612 square feet of living space, 5 BEDROOMS, 4 FULL BATHROOMS, 1 HALF BATHROOM, and a 3-CAR TANDEM GARAGE, with the opportunity to build your own PRIVATE BOAT DOCK. Inside, 10-FOOT FIRST-FLOOR CEILINGS, 9-FOOT SECOND-FLOOR CEILINGS, and 8-FOOT DOORS enhance the spacious feel. LUXURY VINYL PLANK FLOORING extends throughout the living areas, bedrooms, and staircase, while the bathrooms and laundry room feature tile flooring. At the heart of the home, the GOURMET KITCHEN showcases UPGRADED CABINETRY EXTENDING TO THE CEILING, creating a beautifully finished appearance with abundant storage. A SPACIOUS ISLAND with additional cabinetry on the back, an upgraded appliance package, and a customized pantry layout combine style with everyday functionality. The kitchen connects seamlessly to the breakfast area and an impressive GREAT ROOM WITH A SOARING 2-STORY CEILING. Windows welcome natural light and capture views toward the lake, creating an inviting setting for everyday living and entertaining. A separate dining room provides additional space for special gatherings. The FIRST-FLOOR BEDROOM SUITE includes a closet and private full bathroom, offering a comfortable retreat for guests. Upstairs, the spacious PRIMARY SUITE features a TRAY CEILING, a LARGE WALK-IN CLOSET, separate vanities, and a walk-in shower. An additional bedroom suite includes its own full bathroom, while two more bedrooms share another full bathroom. A versatile LOFT offers space for a lounge, study, or recreation area, and the conveniently located upstairs laundry room completes the second floor. Carefully selected enhancements include UPGRADED BATHROOM TILE with wall tile extending to the ceiling, 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 two additional wireless access points. An UPGRADED FRENCH DOOR opens to the COVERED LANAI, where beautiful water views and a conservation area toward Lake Cawood create a peaceful, natural backdrop. At the rear of the home, BEAUTIFUL SUNSET VIEWS OVER THE WATER provide a picturesque setting for relaxing evenings and outdoor gatherings. SUMMER KITCHEN PLUMBING AND ELECTRICAL PROVISIONS provide the flexibility to personalize your outdoor entertaining space. Enjoy convenient access to Windermere Preparatory School, Windermere High School, Publix, Aldi, shopping, dining, Winter Garden Village, the 429 Expressway, and Central Florida’s world-famous theme parks. With its premium setting, distinctive finishes, and generous living spaces, this newly built residence offers an exceptional opportunity to enjoy the Windermere 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
1.52 ac
Lot size
3
Garage
2026
Year built
Two
Levels
$429
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.
$10,601 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$12,022/mo
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.
vs edgeAI estimate
−21%
$/sqft vs Windermere actives
$429 vs $349
Days on market
9 vs 67 typical
Where $429/sqft sits among the 227 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 Summerport
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Windermere market
$835K → $668K
Windermere median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
111 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 107% above the WINDERMERE 34786 median. See the full Windermere market guide →
Paper trail
This home's history
Reality check
What actually sold near 5638 NECTARINE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$1,184,072
5650 NECTARINE DRIVE · same community
5 bd · 4.5 ba · 4,000 sqft · $296/sqft · 0 DOM
Sold · Oct ’26$631,034
5565 LEMON ORCHARD BEND · same community
3 bd · 2.5 ba · 1,714 sqft · $368/sqft · 0 DOM
Sold · 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.
Your agent
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 5638 NECTARINE DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5638 NECTARINE 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
5638 NECTARINE DRIVE FAQs
What would the monthly payment be for 5638 NECTARINE DRIVE?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $10,601/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 5638 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 5638 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 5638 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 $1,550,000, this home is listed about 37% 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 5638 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
$1,550,000 runs 107% 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.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY LLC · Aziz Elbrak. MLS #O6452714.
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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