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Overview

4 bd5 ba4,296 sqft4 car garageSingle Family
TypeSingle Family
HOA$750/qtr
Built2016
Lot61,457 sqft
Living area4,296 sqft
Price / sqft$722
Garage4 car

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About this home

Ceiling Fans(s)Coffered Ceiling(s)Crown MoldingEat-in KitchenHigh CeilingsKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main Floor

12102 Montalcino Cir is a 2016-built home in Casa Del Lago Rep, Windermere. Inside you'll find 4 bedrooms, 5 bathrooms, and 4,296 square feet of living space. Listed at $3,100,000 (about $722/sqft), 83 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $750 quarterly.

From the listing

Virtually Staged. Welcome to 12102 Montalcino Circle, an exceptional custom built waterfront estate located in one of Windermere's most sought after gated communities, Casa Del Lago. Perfectly positioned at the end of a quiet cul-de-sac on 1.41 acres along the shores of Lake Burden, this extraordinary residence is offered fully furnished and showcases breathtaking water views, nightly Disney fireworks from the backyard, and a private boat dock complete with water, electric, and a boat lift. Designed for year round enjoyment, the outdoor living space features a heated pool and spa, a covered summer kitchen with a built in grill, sink, refrigerator, and bar seating, along with a fire pit, creating the ultimate lakefront retreat from the moment you arrive. Inside, timeless craftsmanship and thoughtful design are showcased throughout. Just beyond the foyer, the formal dining room welcomes guests with a coffered ceiling and is complemented by a wet bar with a dedicated wine closet, creating an elegant setting for entertaining. Nearby, a private office or den offers a quiet retreat for work or relaxation. The spacious living room is highlighted by a matching coffered ceiling, a gas fireplace, and pocket sliding glass doors that disappear completely, creating a seamless transition between the indoor living areas and the outdoor entertaining spaces. The beautifully appointed kitchen blends style and function with granite countertops, stainless steel appliances, a natural gas cooktop, a tile backsplash, and a breakfast nook overlooking the pool and sparkling waters of Lake Burden. The first floor primary suite is a private sanctuary with breathtaking lake views and direct access to the lanai. The primary bath features separate vanities, a soaking tub, an oversized walk in shower with dual shower heads, and an expansive walk in closet. A second first floor bedroom with its own en suite bath, walk in closet, and peaceful pond views provides an ideal space for guests or multigenerational living. Upstairs, a generous bonus room serves as the perfect gathering space, complete with a fireplace, wet bar, and sliding glass doors that open to a private balcony overlooking Lake Burden. One upstairs bedroom features its own en suite bath, while the second is conveniently located just steps from a full bath, providing comfortable accommodations for family and guests. Perfectly positioned just minutes from downtown Windermere, Winter Garden Vineland Road, Restaurant Row, Walt Disney World, and Orlando International Airport, this remarkable estate offers an exceptional combination of privacy, luxury, and convenience.

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The essentials

Built
2016
Price / sqft
$722
On market
83 days
Annual tax
$33,074
HOA
$750/qtr
Flood zone
X · Low risk
Lot
61,457 sqft
Type
Single Family Residence

At a glance

Single family
Built 2016
Waterfront
Lake Front
Private pool
Heated
4 car garage
Circular Driveway
1.41 acres
Lot size

Payment

Est. monthly payment
$20,724/mo
Down payment (20%)
$620,000
Property taxes
$2,756/mo
HOA
$750/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2016
Lot
61,457 sqft
Cooling
Central Air
Heating
Central, Electric, Natural Gas
Parking
Circular Driveway, Driveway
Pool
Heated, In Ground
Waterfront
Lake Front
Days on Market
83
Ceiling Fans(s)
Coffered Ceiling(s)
Crown Molding
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Stone Counters
Thermostat
Tray Ceiling(s)
Vaulted Ceiling(s)
Walk-in Closet(s)
Wet Bar
Awning(s)
Balcony
Fire Pit
Lighting
Outdoor Grill
Outdoor Kitchen
Private Mailbox
Rain Gutters
Shade Shutter(s)
Sidewalk
Deed Restrictions
Street Lights
Bar Fridge
Built-in Oven
Dishwasher
Dryer
Gas Water Heater
Microwave
Range
Range Hood
Refrigerator
Washer
Wine Refrigerator
Elementary
Sunset Park Elem
Middle
Horizon West Middle School
High
Windermere High School

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

Flood Zone X
Annual Tax (2025)
$33,074
Parcel #
25-23-27-1213-00-040

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
Casa Del Lago Rep
County
Orange
MLS Area
34786 - Windermere
Lot Size
61,457 sqft
Corner LotCul-De-SacLandscapedSidewalk
HOA
$750/qtr
Casa Del Lago Homeowners Association, Inc. / Jenna

Price history

Date
Event
Price
7/24/2026
Listed for sale
Source: Stellar MLS #O6428441
$3,100,000
$722/sqft

Neighborhood

12102 Montalcino Cir
Windermere, FL, 34786 · 34786 - Windermere

Market insights

Offer Insights

Choose an offer strength

List price: $3,100,000
$3.05M – $3.10M
98.5% – 100% of listTops out right at the list price
80% of listList price
154 of the last 306 home closings in 34786 landed at this number or higher (50%). The median one sat 30 days before it went under contract, and this one is on day 83.

Sample: 306 closed home sales in 34786 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$20,724/mo
Principal & interest$16,168
Property taxes$2,756
Insurance$1,550
HOA$250
Down payment20% · $620,000
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 includes any condo dues 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

$3,100,000

$722 per sq ft

Beds and baths

4 beds, 5 baths

Size

4,296 sq ft

Time on market

83 days

Year built

2016

Monthly payment

About $20,724/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $33,074 annual tax bill, insurance, and the $750/qtr HOA fee.

HOA fee

$750/qtr

Managed by Casa Del Lago Homeowners Association, Inc. / Jenna.

Flood zone

Zone X

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

Offer

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Have another question?

Brokered byEXP REALTY LLCListing agent: Kristy CookListing data from Stellar MLS, MLS# O6428441.

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