13431 BELLARIA CIRCLE, WINDERMERE, FL, 34786
Active12 days on marketListed Jul 9, 2026MLS #P4939244
About this home
13431 BELLARIA CIRCLE
BREATHTAKING WINDERMERE ESTATE!!! Situated on nearly 1.5 acres in the gated/guarded community of Bellaria, this custom built 4BR/4.5BA pool residence is the pinnacle of detail and design. Follow the long drive winding amongst the towering Italian Cypress to your expansive motor court and magnificent entry. Upon opening the massive custom double doors, you will see elegance, functionality, and breathtaking detail in every corner. Features include: over 5500SqFt of living area, soaring ceiling heights, top-notch molding and finish work, travertine floors, NEW carpet, NEW interior paint, massive kitchen with bar seating and island, walk-in pantry, game room with full bar and refrigeration, over 3000SqFt of rear pool and patio space with hot tub, outdoor bar/kitchen with vent fan and refrigeration, patio shower, multiple gas fireplaces, corner sliding pocket doors opening onto patio, NO REAR NEIGHBORS, gigantic privacy hedge, spacious primary suite with seating area and pool access, dual walk-in closets, exquisite primary bath with enormous soaking tub, spacious guest bedrooms and beautifully appointed guest bathrooms, sauna, three car garage with a hydraulic lift for a fourth vehicle, generous utility room, 22kw natural gas generator installed in 2021, office with built-ins and fireplace, fully equipped theatre with elevated seating, A BRAND NEW TILE ROOF, ample storage opportunities, and the list goes on!!! This is all just minutes from Winter Garden Village with easy access to SR429, downtown, and all the attractions!!! Schedule your showing and prepare to be amazed, this property is special. Call today!!!
Facts & features
The home at a glance
4
Bedrooms
4.5
Bathrooms
5,616
Sqft
1.43 ac
Lot size
3
Garage
2010
Year built
One
Levels
$579
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.
$20,975 /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
$20,975/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
+48.6%
$/sqft vs Windermere actives
$579 vs $347
Days on market
12 vs 32 typical
Where $579/sqft sits among the 237 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 Bellaria
Get to know Windermere. See the full Windermere guide →
Bellaria — neighborhood snapshot
Population
419
Median age
43
Median income
$224,336
Median home value
$771,900
Avg household
3
Households w/ children
51%
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)
115 of 237
Windermere actives have cut their price
Median sold price, Windermere, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 301% above the WINDERMERE 34786 median. See the full Windermere market guide →
Paper trail
This home's history
Reality check
What actually sold near 13431 BELLARIA CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$3,100,000
5024 SAWYER COVE WAY
5 bd · 6.5 ba · 5,501 sqft · $564/sqft · 187 DOM
Sold · Nov ’25$1,980,000
5909 OXFORD MOOR BOULEVARD
4 bd · 5 ba · 5,457 sqft · $363/sqft · 120 DOM
Sold · Sep ’25$1,750,000
12860 JACOB GRACE COURT
5 bd · 4.5 ba · 5,844 sqft · $299/sqft · 149 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 13431 BELLARIA CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13431 BELLARIA CIRCLE — 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
13431 BELLARIA CIRCLE FAQs
What would the monthly payment be for 13431 BELLARIA CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $20,975/mo — principal and interest, the actual property-tax bill, the $483/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 13431 BELLARIA CIRCLE?+
The association fee works out to $483 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13431 BELLARIA CIRCLE?+
The most recent tax bill on record (2025) was $18,919. 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 13431 BELLARIA CIRCLE?+
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 $3,250,000, this home is listed about 196% 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 13431 BELLARIA CIRCLE?+
Windermere High (high), Bridgewater Middle (middle), Windermere Elementary (elementary) — 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
$3,250,000 runs 301% above the WINDERMERE 34786 median — but at 5,616 sqft it's also nearly twice the size of the typical Windermere listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Windermere High, Bridgewater Middle, Windermere Elementary — Windermere High rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of THE K TEAM REAL ESTATE SERVICES LLC · Cathy Kluytenaar. MLS #P4939244.
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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