10442 BIRCH TREE LANE, Windermere, FL, 34786 | $1,249,000

Under contract-accepting backup offers. Set at the end of a cul-de-sac on a sprawling acre+ lot, this 4 bedroom, 3 bath pool home in Windermere Downs, offers over 3, 500 sq ft and sits well back from the road with a long private driveway and an oversized three-car garage, creating a sense of privacy from the moment you arrive. • High ceilings and abundant windows fill the home with natural light. • The thoughtfully updated kitchen with high-end JennAir appliances and the large family room overlook a stunning resort-style pool and spa, an expansive covered lanai, and a screened pool deck create an exceptional outdoor oasis, all framed by a remarkably large backyard. • A double-sided fireplace connects the family room to an additional living space, and the split bedroom plan features a generous primary suite with large bath and walk-in closet, plus three spacious guest bedrooms on the opposite side of the home. • Wood floors run throughout all bedrooms. • The home has been meticulously maintained, with 2024 updates including new roof & gutters and exterior paint. • Additional features include a whole-house water softener, an updated laundry room featuring butcher block countertops, smart lighting controls, whole-house speakers, the expansive three-car garage with ample space for storage, tools & recreational equipment, and an irrigation well supporting low water costs. • Windermere Downs is one of Central Florida’s most sought-after lake communities, offering deeded access to Lake Down and the Butler Chain of Lakes. • The neighborhood features the only community lakefront lot on Lake Down, reserved exclusively for residents and their guests, with a natural sand beach, dock with gazebo, private boat ramp, and shaded green space for neighborhood gatherings and family enjoyment. • This golf cart-friendly community makes accessing these amenities effortless. • Additional amenities include Pleasance Circle Park with its large open lawn & playground shaded by a beautiful live oak canopy, along with Birch Tree Park featuring green space and swings. • Residents also enjoy two tennis courts, one lined for pickleball. • Seasonal gatherings, from sunset evenings at the lake to family-friendly events throughout the year, foster the strong sense of community Windermere Downs is known for. • Just minutes away, downtown Windermere offers a true small-town atmosphere anchored by the Town Hall, library, and police department. • Residents enjoy basketball courts, an Ace Hardware, coffee and ice cream shops, a beloved breakfast and lunch restaurant, and a neighborhood brewery, with additional restaurants and retail planned for the coming year. • Community traditions throughout the year include Philharmonic performances, the annual Christmas tree lighting, the Friday farmers market, and seasonal events that bring neighbors together. • Conveniently located near world-class attractions including Walt Disney World and Universal Studios, renowned golf courses such as Isleworth and Bay Hill, Restaurant Row, major highways, and highly regarded private schools including Trinity Prep, Lake Highland Prep, Windermere Prep, First Academy, and Bishop Moore. • A rare opportunity to enjoy space, privacy, and true lake community living in Windermere.

Features

  • Amenities: Park, Pickleball Court(s), Playground, Tennis Court(s)
  • Rooms: 8
  • Bedrooms: 4
  • Baths: 3 full
  • Laundry: Laundry Room
  • Style: Contemporary
  • Year Built: 1998
  • Garage: 3-car Driveway, Garage Faces Side, Oversized
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 3,505
  • Acreage: 1.02
  • Est. Taxes: $9,461
  • HOA Fee: $998 Annually
  • Lot Desc: Cul-De-Sac, Oversized Lot
  • Elem. School: Thornebrooke Elem
  • Middle School: Gotha Middle
  • High School: Olympia High
  • Pool: In Ground, Salt Water, Screen Enclosure
  • Pet Policy: Yes
  • Appliances: Dishwasher, Dryer, Range, Refrigerator, Washer, Water Softener
  • MLS#: O6367335
  • Days on Market: 21 days
  • Website: https://www.raveis.com
    /eprop/O6367335/10442birchtreelane_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 1/15/2026 5:08:17 PM)
Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO   Phone: 407-622-2122

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NMLS Mortgage Loan Originator ID 16953

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10442 BIRCH TREE LANE, Windermere, FL, 34786

$1,249,000

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 $999,200 $999,200 $999,200
Term 360 months 360 months 180 months
Initial Interest Rate** 5.500% 5.875% 5.750%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.241% 6.007% 5.952%
Monthly Tax Payment $788 $788 $788
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,673 $5,911 $8,297
Total Monthly Payment $6,586 $6,824 $9,210

* 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.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.