109 CHERRY CREEK CIRCLE, Winter Springs, FL, 32708 | $1,150,000

LUXURY ESTATE IN GATED RESERVE AT TUSCAWILLA WITH RESORT-STYLE OUTDOOR OASIS DESIGNED FOR ENTERTAINING. Welcome to 109 Cherry Creek Circle in Winter Springs, a 5-bedroom, 4-bath estate on a HALF-ACRE HOMESITE in the gated Reserve at Tuscawilla. This 3, 440 sq. ft. home blends timeless design with a layout built for both everyday living and EXCEPTIONAL ENTERTAINING, centered around a truly standout outdoor space. Inside, high ceilings and a classic columned entry lead to a light-filled family room with a gas fireplace and marble surround, positioned to capture views of the backyard oasis. The screened lanai with updated pavers (2023) opens to a true OUTDOOR OASIS featuring an oversized 9-foot deep pool and propane-heated spa, surrounded by custom Tennessee River Rock, with matching stone extending to a separate FIRE PIT lounge area that adds additional entertaining space. Designed for hosting, the covered L-shaped bar with kegerator and beverage refrigerator creates a natural gathering point, complemented by a full summer kitchen with a built-in Viking grill and Texas smoker. The GOURMET KITCHEN continues the flow with a gas cooktop, built-in double ovens, beverage station with cooler and ice maker, and a breakfast nook featuring a SIGNATURE VON JACOBS CEILING DETAIL, all connecting seamlessly to the main living areas. Formal living and dining spaces offer additional flexibility, including a dining room anchored by a Tiffany-style chandelier. The private first-floor PRIMARY SUITE features a remodeled spa-style bathroom (2025) and a large WALK-IN CLOSET with custom built-in organization. Three additional bedrooms are located on the main level, including a Jack and Jill bath, while the oversized upstairs suite with new wood-look tile provides flexible space for guests, extended stays, or a private retreat. Additional features include a 100-bottle temperature-controlled WINE CELLAR, tile and hardwood flooring, security wiring, and a 3-CAR SIDE-LOAD GARAGE with professionally finished floor. Major updates include roof (2017), HVAC (2017), whole-house replumb (2024), water heater (2026), and updated driveway and lanai pavers (2023). Located within the gated Reserve at Tuscawilla, known for its estate homes, tree-lined streets, and community events, with access to top-rated schools, Tuscawilla Country Club, the Cross Seminole Trail, SR-434, and 417, and convenient connectivity to Winter Park, Oviedo, and Lake Mary. This is a home designed for gathering, hosting, and creating lasting memories. This is more than a home—it is a space designed to GATHER, ENTERTAIN, AND CREATE LASTING MEMORIES.

Features

  • Rooms: 15
  • Bedrooms: 5
  • Baths: 4 full
  • Laundry: Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Style: Custom, Traditional
  • Year Built: 1996
  • Garage: 3-car Driveway, Garage Door Opener, Garage Faces Side, Oversized
  • Heating: Electric, Heat Pump
  • Cooling: Central Air
  • Approx Sq. Feet: 3,440
  • Acreage: 0.59
  • Est. Taxes: $7,388
  • HOA Fee: $368 Quarterly
  • Lot Desc: Landscaped, Oversized Lot, Sidewalk
  • Elem. School: Keeth Elementary
  • Middle School: Indian Trails Middle
  • High School: Winter Springs High
  • Pool: Heated, In Ground, Screen Enclosure
  • Pet Policy: Yes
  • Appliances: Bar Fridge, Built-In Oven, Cooktop, Dishwasher, Disposal, Electric Water Heater, Refrigerator, Wine Refrigerator
  • MLS#: O6404923
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /eprop/O6404923/109cherrycreekcircle_wintersprings_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 5/7/2026 7:32:11 AM)
Listing courtesy of Coldwell Banker Realty   Phone: 407-696-8000

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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 CHERRY CREEK CIRCLE, Winter Springs, FL, 32708

$1,150,000

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 $920,000 $920,000 $920,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.125% 5.875%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.300% 6.247% 6.117%
Monthly Tax Payment $616 $616 $616
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $5,442 $5,590 $7,701
Total Monthly Payment $6,183 $6,331 $8,442

* 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.