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Overview

5 bd4 ba3,097 sqft3 car garageSingle Family
TypeSingle Family
HOA$175/qtr
Built2004
Lot12,190 sqft
Living area3,097 sqft
Price / sqft$394
Garage3 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Eat-in KitchenHigh CeilingsPrimarybedroom UpstairsStone CountersThermostatWindow TreatmentsLightingPrivate Mailbox

243 Zachary Wade St is a 2004-built home in Lakeview Reserve 46/149, Winter Garden. Inside you'll find 5 bedrooms, 4 bathrooms, and 3,097 square feet of living space. Listed at $1,220,000 (about $394/sqft), 195 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $175 quarterly.

From the listing

Refined Waterfront Living in Winter Garden’s Coveted Golf Cart District! Set within one of Downtown Winter Garden’s most desirable gated enclaves, this exceptional waterfront residence offers a rare blend of sophistication, privacy, and effortless Florida living—perfectly positioned in the highly sought-after golf cart district. Designed to maximize light and livability, the interiors are bright and inviting. Recent enhancements include new exterior paint, a tankless water heater, and a added ensuite bathroom making two primary suites on the second floor. Generous storage is thoughtfully integrated with expansive closet space, while a whole-home water softener and purification system, including an under-sink filter, ensures elevated everyday comfort. At the heart of the home, the gourmet kitchen is both functional and beautifully appointed, featuring dual sinks, a dedicated prep island, and upgraded soft-close cabinetry. The oversized three-car garage provides ample room for vehicles, storage, or recreational needs. Outdoors, the lifestyle truly unfolds. A recently resurfaced covered boat dock—complete with lift, lighting, fan, and sink—offers direct access to one of Florida’s largest spring-fed lakes, part of the Harris Chain and extending to the St. Johns River and Atlantic Ocean. The expansive grounds are enriched by mature, fruit-bearing trees including mango, avocado, star fruit, and citrus, creating a lush, private retreat. Surrounded by natural beauty, the property attracts an impressive array of wildlife. Unforgettable sunrises and sunsets can be enjoyed from multiple vantage points, including the living spaces, patio, dock, and three north-facing bedrooms with water views. This is a home that seamlessly balances elegance and ease—offering a rare opportunity to experience serene waterfront living in one of Winter Garden’s most iconic settings.

The essentials

Built
2004
Price / sqft
$394
On market
206 days
Annual tax
$6,565
HOA
$175/qtr
Flood zone
X · Low risk
Lot
12,190 sqft
Type
Single Family Residence

At a glance

Single family
Built 2004
Waterfront
Lake Front
3 car garage
0.28 acres
Lot size
3,097 sqft
Living area

Payment

Est. monthly payment
$7,578/mo
Down payment (20%)
$244,000
Property taxes
$547/mo
HOA
$175/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2004
Lot
12,190 sqft
Cooling
Central Air
Heating
Central
Parking
-
Waterfront
Lake Front
Days on Market
206
Eat-in Kitchen
High Ceilings
Primarybedroom Upstairs
Stone Counters
Thermostat
Window Treatments
Lighting
Private Mailbox
Sidewalk
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Gas Water Heater
Microwave
Range
Washer
Elementary
Tildenville Elem
Middle
Lakeview Middle
High
West Orange High

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X
Annual Tax (2025)
$6,565
Parcel #
15-22-27-4890-00-320

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Lakeview Reserve 46/149
County
Orange
MLS Area
34787 - Winter Garden/Oakland
Lot Size
12,190 sqft
Oversized Lot
HOA
$175/qtr
Krystal Soto

Price history

Date
Event
Price
9/16/2026
Price change
Source: Stellar MLS #O6391909
$1,220,000-6.2%
$394/sqft
-
Price change
Source: Stellar MLS #O6391909
$1,300,000-7.0%
$420/sqft
3/18/2026
Listed for sale
Source: Stellar MLS #O6391909
$1,398,500
$452/sqft

Neighborhood

243 Zachary Wade St
Winter Garden, FL, 34787 · 34787 - Winter Garden/Oakland

Market insights

Offer Insights

Choose an offer strength

List price: $1,220,000
$1.21M – $1.22M
99.5% – 100% of listTops out right at the list price
80% of listList price
222 of the last 443 home closings in 34787 landed at this number or higher (50%). The median one sat 22 days before it went under contract, and this one is on day 206 after a $178,500 cut.

Sample: 443 closed home sales in 34787 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$7,578/mo
Principal & interest$6,363
Property taxes$547
Insurance$610
HOA$58
Down payment20% · $244,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$1,220,000

$394 per sq ft

Beds and baths

5 beds, 4 baths

Size

3,097 sq ft

Time on market

206 days

Year built

2004

Monthly payment

About $7,578/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,565 annual tax bill, insurance, and the $175/qtr HOA fee.

HOA fee

$175/qtr

Managed by Krystal Soto.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered byREGENCY REAL ESTATE LLCListing agent: Alexis AndersonListing data from Stellar MLS, MLS# O6391909.

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