109 E 12TH AVENUE, WINDERMERE, FL, 34786
Active100 days on marketListed Apr 15, 2026MLS #O6394569
Come see it
Upcoming open house
Sun, Jul 26
1:00 PM – 4:00 PM
About this home
109 E 12TH AVENUE
SELLER WILL CONTRIBUTE $20,000 TOWARD INTEREST RATE BUY DOWN OR DECORATING ALLOWANCE. Modern style blends with Windermere charm. This totally renovated home is located just steps from Lake Bessie in the Town of Windermere. Set on a beautifully landscaped corner lot with NO HOA, this home combines luxury and comfort in one of Central Florida’s most desirable communities. Every detail has been thoughtfully updated to include roof (2022), a/c (2016), plumbing, flooring, drain field and water filtration system. Inside, sun drenched living and dining spaces flow seamlessly, anchored by a warm inviting fireplace setting the tone for relaxed living and effortless entertaining. The kitchen serves as the heart of the home, featuring soft gray shaker cabinetry, quartz countertops, a generous island with induction cooktop, hood, double wall ovens, mosaic glass backsplash and all new stainless appliances. Sliding doors open to a sparkling pool with sun deck and pergola, surrounded by lush landscaping in a private, fenced courtyard. Whether hosting gatherings or enjoying quiet evenings at home, this outdoor space delivers the true Florida lifestyle. Upstairs, the primary suite features a spa inspired bath with a freestanding soaking tub, rainfall shower, dual sinks, and elegant finishes. Additional bedrooms include an oversized fourth bedroom with its own fireplace and built-ins which easily can be used as a media room, office, or home gym. Located just a short walk or golf cart ride to Windermere shops, restaurants, lakefront parks, weekly farmers markets, library and more, this home places you at the center of it all. Surrounded by the Butler Chain of Lakes and close to renowned golf, fine dining and premium shopping. Windermere offers small town charm yet convenient to major roadways, area attractions and the International Airport. The location is as exceptional as the home itself. This is more than a residence; it is a refined Windermere lifestyle defined by comfort connection and enduring style. SELLER WILL CONTRIBUTE $20,000 TOWARD INTEREST RATE BUY DOWN OR DECORATING ALLOWANCE.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,791
Sqft
0.29 ac
Lot size
2
Garage
1989
Year built
Two
Levels
$428
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 — not generic estimates.
$8,628 /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
$8,628/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
+20.9%
$/sqft vs Windermere actives
$428 vs $348
Days on market
100 vs 32 typical
Where $428/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 Windermere
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Windermere. See the full Windermere guide →
WINDERMERE 34786 — neighborhood snapshot
Population
43,700
Median age
37.9
Median income
$131,409
Median home value
$621,300
Avg household
2.9
Households w/ children
6,277
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
$839K → $1.0M
Windermere median sold, yr/yr
96.4%
Sale-to-list ratio (12 mo)
114 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 48% above the WINDERMERE 34786 median. See the full Windermere market guide →
Paper trail
This home's history
Reality check
What actually sold near 109 E 12TH AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$850,000
720 MAIN STREET · same community
3 bd · 2 ba · 2,778 sqft · $306/sqft · 4 DOM
Sold · Oct ’25$830,000
616 MAGNOLIA STREET · same community
4 bd · 2 ba · 2,582 sqft · $321/sqft · 70 DOM
Sold · Jul ’25$890,000
235 OAKDALE STREET · same community
3 bd · 2 ba · 2,562 sqft · $347/sqft · 157 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 109 E 12TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 109 E 12TH AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
109 E 12TH AVENUE FAQs
What would the monthly payment be for 109 E 12TH AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,628/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 109 E 12TH AVENUE?+
The most recent tax bill on record (2025) was $18,865. 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 109 E 12TH AVENUE?+
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 $1,195,000, this home is listed about 9% above the Windermere median of $1,099,500. The market section on this page shows how the area is trending.
Which schools are assigned to 109 E 12TH AVENUE?+
Windermere Elementary (elementary), Olympia High (high), Gotha 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
$1,195,000 runs 48% above the WINDERMERE 34786 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
100 days on market against a Windermere median of 32 — sellers in this position are usually ready to negotiate.
04Strong assigned schools
Windermere Elementary, Olympia High, Gotha Middle — Windermere Elementary rates 5 of 5. Always verify assignments with the district.
05The price has already moved
Listed at $1,225,000, now $1,195,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of UPSIDE REAL ESTATE INC · Judy Black. MLS #O6394569.
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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