6354 CARTMEL LANE, WINDERMERE, FL, 34786
Active6 days on marketListed Aug 3, 2026MLS #S5154804
About this home
6354 CARTMEL LANE
Welcome to 6354 Cartmel Lane, a beautifully maintained luxury pool home in the heart of Windermere. This elegant residence features soaring ceilings, travertine floors, spacious formal and casual living areas, a gourmet kitchen with granite countertops, stainless steel appliances, double ovens, and a gas cooktop, plus a dedicated office/flex room. The open floor plan flows seamlessly to a stunning screened lanai with a resort-style pool and spa overlooking a private wooded backyard with no rear neighbors. Located near top-rated schools, shopping, dining, golf, and major highways, this exceptional home offers the perfect combination of luxury, comfort, privacy, and convenience.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
3,739
Sqft
0.43 ac
Lot size
2
Garage
2004
Year built
One
Levels
$2
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$211 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$211/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
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.
$/sqft vs Windermere actives
$2 vs $341
Days on market
6 vs 46 typical
Where $2/sqft sits among the 239 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 → $975K
Windermere median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
111 of 239
Windermere actives have cut their price
Median sold price, Windermere, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the WINDERMERE 34786 median. See the full Windermere market guide →
Paper trail
This home's history
Reality check
What actually sold near 6354 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 · Feb ’26$970,000
11507 CENTER LAKE DRIVE
4 bd · 3.5 ba · 3,766 sqft · $258/sqft · 319 DOM
Sold · Oct ’25$1,350,000
11425 CLAYMONT CIRCLE
5 bd · 4 ba · 3,684 sqft · $366/sqft · 77 DOM
Sold · Aug ’25$1,560,000
8437 LAKE BURDEN CIRCLE
4 bd · 3.5 ba · 3,797 sqft · $411/sqft · 105 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
Jillian Kobylesky
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 6354 CARTMEL LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6354 CARTMEL LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Jillian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
6354 CARTMEL LANE FAQs
What would the monthly payment be for 6354 CARTMEL LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $211/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 6354 CARTMEL LANE?+
The listing reports pets: No. 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 $7,000, this home is listed about 99% below the Windermere median of $1,089,000. The market section on this page shows how the area is trending.
Which schools are assigned to 6354 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
Four things that matter here
01Under the WINDERMERE 34786 market on paper
$7,000 is 99% below the WINDERMERE 34786 median of $749,000, and at $2/sqft it sits under the Windermere average of $457.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Fresh on the market
Only 6 days on market in a Windermere market that averages 46 — if it fits, move quickly.
04Strong 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 MILA REALTY · Valentina Naumenko. MLS #S5154804.
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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