109 E 12TH AVENUE, Windermere, FL, 34786 | $1,224,000

Modern sophistication and timeless Windermere charm come together in this fully reimagined residence located just steps from Lake Bessie and the heart of Windermere Town. Set on a beautifully landscaped corner lot with no HOA, this home offers a rare blend of luxury comfort and walkable small town living in one of Central Florida’s most desirable communities.

Every detail has been thoughtfully updated to provide both style and peace of mind, including a new roof, new air conditioning system, new plumbing, new flooring, new drainfield and a new water filtration system along with fresh interior and exterior paint. Inside, light filled living and dining spaces flow effortlessly across marble look porcelain tile, anchored by a warm inviting fireplace that sets the tone for relaxed everyday living and effortless entertaining. The kitchen serves as the centerpiece of the home, featuring soft gray shaker cabinetry quartz countertops, a generous island with induction cooktop and chimney hood, double wall ovens, mosaic glass backsplash and all new stainless appliances designed for both form and function.

Sliding doors open to a private backyard retreat designed for year round enjoyment. A sparkling in-ground gunite pool with sun deck and pergola is surrounded by lush landscaping irrigation lighting and a fully fenced private yard that feels both serene and secluded. Whether hosting gatherings or enjoying quiet evenings at home, this outdoor space delivers the true Florida lifestyle.

Upstairs, the primary suite offers a peaceful escape with a spa inspired bath featuring a freestanding soaking tub rainfall shower with frameless glass dual sink wood vanity skylight and elegant finishes. Additional bedrooms provide flexibility for family guests or a home office, including an oversized fourth bedroom with its own fireplace and built-ins that easily adapts as a media room, office, home gym, or private retreat. A two car garage and oversized driveway add convenience and ample parking.

Located just a short walk to Windermere boutiques, award winning schools, lakefront parks, weekly farmers markets, Town Hall, the library and community events, this home places you at the center of it all. With close proximity to Winter Garden Village Restaurant Row downtown Orlando major highways and Orlando 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.

Features

  • Rooms: 14
  • Bedrooms: 4
  • Baths: 3 full / 1 half
  • Laundry: Laundry Room
  • Style: Traditional
  • Year Built: 1989
  • Garage: 2-car Driveway, Garage Door Opener
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,791
  • Acreage: 0.29
  • Est. Taxes: $19,665
  • Lot Desc: Corner Lot, Landscaped
  • Elem. School: Windermere Elem
  • Middle School: Gotha Middle
  • High School: Olympia High
  • Pool: Deck, Gunite, In Ground
  • Appliances: Built-In Oven, Cooktop, Dishwasher, Disposal, Microwave, Refrigerator, Water Filtration System, Water Softener
  • MLS#: O6368253
  • Days on Market: 22 days
  • Website: https://www.raveis.com
    /eprop/O6368253/109e12thavenue_windermere_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 1/10/2026 6:05:58 PM)
Listing courtesy of THE AGENCY ORLANDO   Phone: 407-951-2472

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

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109 E 12TH AVENUE, Windermere, FL, 34786

$1,224,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $979,200 $979,200 $979,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 6.000% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.241% 6.110% 5.972%
Monthly Tax Payment $1,639 $1,639 $1,639
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,560 $5,871 $8,131
Total Monthly Payment $7,324 $7,635 $9,895

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.