17520 BLACK RAIL STREET, Windermere, FL, 34786 | $777,000

Located in the highly desirable Enclave at Windermere, this meticulously maintained four-bedroom, two-bath home offers upgraded finishes, private waterfront views, and true move-in-ready condition in one of the area’s most attractive communities.

From the moment you arrive, the curb appeal stands out with a stone-accent elevation, tile roof, and paver driveway that reflect the quality and care carried throughout the property. Built in 2014 and spanning 2, 380 square feet, the home delivers a layout that is open, bright, and highly functional for modern living.

The kitchen serves as the centerpiece, featuring granite countertops, a large gathering island, stainless steel appliances, custom backsplash, and abundant cabinetry. Natural light fills the living and dining areas, creating an inviting environment with views extending toward the outdoor living space and water beyond. The split-bedroom floor plan provides both comfort and privacy, while the overall condition showcases clear pride of ownership.

Step outside and the property truly separates itself. A screened private pool overlooks the lake and fountain, creating a peaceful backdrop that feels both relaxing and elevated. The covered lanai offers the perfect space for outdoor dining, entertaining, or enjoying quiet evenings while taking in the water views. This is the kind of setting buyers hope to find but rarely do at this price point.

Situated within a community known for its beautiful homes and strong neighborhood appeal, the property offers exceptional convenience to daily essentials and top education options. Sunset Park Elementary is within walking distance, and Windermere Preparatory School is just five minutes away, making this location especially attractive for families seeking both accessibility and quality schooling. The home also provides easy access to shopping, dining, major roadways, and everything Windermere has to offer.

Features

  • Rooms: 6
  • Bedrooms: 4
  • Baths: 2 full
  • Laundry: Laundry Room
  • Year Built: 2014
  • Garage: 2-car
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 2,380
  • Acreage: 0.17
  • Est. Taxes: $5,121
  • HOA Fee: $500 Quarterly
  • Elem. School: Sunset Park Elem
  • Middle School: Bridgewater Middle
  • High School: Windermere High School
  • Pool: In Ground
  • Pet Policy: Yes
  • Appliances: Built-In Oven, Dishwasher, Disposal, Microwave, Refrigerator, Washer
  • MLS#: O6384223
  • Days on Market: 8 days
  • Website: https://www.raveis.com
    /prop/O6384223/17520blackrailstreet_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 4/4/2026 5:14:59 AM)
Listing courtesy of Compass Florida LLC   Phone: 407-203-9441

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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

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
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17520 BLACK RAIL STREET, Windermere, FL, 34786

$777,000

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 Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $621,600 $621,600 $621,600
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.375% 5.500%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.357% 6.533% 5.794%
Monthly Tax Payment $427 $427 $427
H/O Insurance Payment $92 $92 $92
Initial Principal & Interest Pmt $3,677 $3,878 $5,079
Total Monthly Payment $4,196 $4,397 $5,598

* 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.