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Overview

4 bd3 ba2,460 sqft2 car garageSingle Family
TypeSingle Family
HOA$245/qtr
Built2005
Lot6,498 sqft
Living area2,460 sqft
Price / sqft$254
Garage2 car

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About this home

Ceiling Fans(s)Crown MoldingEat-in KitchenKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Surface CountersSplit Bedroom

12909 Cragside Ln is a 2005-built home in Lakes/Windermere Ph 02a, Windermere. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,460 square feet of living space. Listed at $625,000 (about $254/sqft), 48 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $245 quarterly.

From the listing

WATER-VIEW SETTING + NIGHTLY MAGIC KINGDOM FIREWORKS + PRIME WINDERMERE LOCATION! Welcome to 12909 Cragside Lane, a beautifully renovated 4-bedroom, 2.5-bath, 2,460-square-foot single-story home in Lakes of Windermere. Located directly across from a neighborhood pond and fountain, the home offers a uniquely Central Florida setting with nightly views of the Magic Kingdom fireworks just steps from your front door. The exceptional location also provides convenient access to highly regarded public and private schools, childcare, Horizon West amenities and Walt Disney World. This move-in-ready home has been extensively updated, with many of the major expenses of homeownership already completed. Improvements include a new roof, HVAC system, water heater, Resideo smart WiFi thermostat, interior and exterior paint, hard-surface flooring throughout with no carpet, light fixtures and ceiling fans — all in 2021; new refrigerator, range/oven, dishwasher, washer and dryer, backyard fencing, paver outdoor-living area and gazebo in 2023; new kitchen countertops and guest-bath flooring, countertop, sinks and faucets in 2025; and refreshed front and rear landscaping and AT&T Fiber wiring in 2026. The fencing, paver improvements, gazebo and landscaping were reviewed and approved through the community HOA architectural-review process. Inside, the bright and spacious floor plan features an open kitchen and family room along with additional flexible living spaces ideal for a home office, recreation, entertaining or additional gathering space. Crown molding, architectural details and updated finishes complement the extensive mechanical and cosmetic improvements throughout. The fenced backyard provides an inviting extension of the living space with its paver patio, gazebo and refreshed landscaping, while the covered front porch faces toward the peaceful pond and fountain setting. Lakes of Windermere offers a community pool, parks, playgrounds, tennis and basketball courts, sidewalks and recreational spaces. The location is especially convenient to Sunset Park Elementary, Horizon West Middle School and Windermere High School, with Windermere Preparatory School also nearby, along with multiple daycare and early-learning options approximately a mile from the home. Shopping, dining and recreation throughout Horizon West are close at hand, while Walt Disney World and Magic Kingdom are just minutes away. With its water-view setting, nightly Disney fireworks, extensive renovations, newer roof and major systems, hard-surface flooring throughout, upgraded outdoor living spaces, excellent school access, fiber connectivity and highly convenient Windermere location, 12909 Cragside Lane offers an exceptional combination of lifestyle, location and move-in-ready condition.

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The essentials

Built
2005
Price / sqft
$254
On market
48 days
Annual tax
$6,552
HOA
$245/qtr
Flood zone
X · Low risk
Lot
6,498 sqft
Type
Single Family Residence

At a glance

Single family
Built 2005
Community pool
Shared amenity
2 car garage
Garage Door Opener
6,498 sqft lot
Lot size
2,460 sqft
Living area

Payment

Est. monthly payment
$4,201/mo
Down payment (20%)
$125,000
Property taxes
$546/mo
HOA
$245/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2005
Lot
6,498 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Garage Door Opener, Garage Faces Rear
Days on Market
48
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Split Bedroom
Tray Ceiling(s)
Walk-in Closet(s)
Private Yard
Sidewalk
Deed Restrictions
Park
Playground
Pool
Sidewalks
Tennis Court(s)
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
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.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$6,552
Parcel #
24-23-27-5428-04-460

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
Lakes/Windermere Ph 02a
County
Orange
MLS Area
34786 - Windermere
Lot Size
6,498 sqft
LandscapedSidewalkPaved
HOA
$245/qtr
Leland Management/Troy Jones

Price history

Date
Event
Price
10/18/2026
Price change
Source: Stellar MLS #S5157040
$625,000-2.3%
$254/sqft
9/1/2026
Listed for sale
Source: Stellar MLS #S5157040
$639,500
$260/sqft

Neighborhood

12909 Cragside Ln
Windermere, FL, 34786 · 34786 - Windermere

Market insights

Offer Insights

Choose an offer strength

List price: $625,000
$615,000 – $625,000
98.5% – 100% of listTops out right at the list price
80% of listList price
157 of the last 312 home closings in 34786 landed at this number or higher (50%). The median one sat 31 days before it went under contract, and this one is on day 48 after a $14,500 cut.

Sample: 312 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
$4,200/mo
Principal & interest$3,260
Property taxes$546
Insurance$313
HOA$82
Down payment20% · $125,000
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

$625,000

$254 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,460 sq ft

Time on market

48 days

Year built

2005

Monthly payment

About $4,201/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,552 annual tax bill, insurance, and the $245/qtr HOA fee.

HOA fee

$245/qtr

Managed by Leland Management/Troy Jones.

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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Brokered byFLORIDA IN MOTION REALTY INCListing agent: Ashlee HawkListing data from Stellar MLS, MLS# S5157040.

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