Waterstone
Homes for Sale in Windermere, FL
All 236 homes for sale in Windermere, FL · median $949,995 · 206 homes for sale in 34786 · Orange County homes for sale
True comps, carrying-cost math, and listings before the portals.
Market Heat
As of October 2026, Waterstone in Windermere, FL has 1 home for sale. Over the 12 months ending 2026-08-02, 8 recorded sales closed at a median of $1,517,500, $423 per square foot, a median 47 days on market, sellers accepting 96% of original asking (+12% versus the prior year). Homes listed or recently sold were built 2012 - 2016; 10 of 10 report an HOA (median $442/mo); none of the 10 geocoded homes sit in a FEMA special flood hazard zone (median elevation 110 ft). At the median price and Orange County's FY2025-26 rate of 16.67 mills, annual property tax runs about $25,300 ($24,630 with the full homestead exemption).
Last 30 days in Waterstone: 1 new listing (median asking $2,199,000), 1 under contract right now. As of October 15, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Waterstone right now
🔴 Seller-leaning market. 1.5 months of supply and 0% of the inventory already under contract give sellers the pressure advantage.Why it matters: months of supply is how long today's inventory would last at today's sales pace; under-contract share is the portion of homes for sale that already have a buyer.Momentum Research analysis of Stellar MLS records, as of August 2, 2026. Confidence: Medium (1 active and pending listings, 8 closed sales in 12 months).
🟢 Still climbing. The trailing-12-month median ($1.52M) is up 12.5% from the prior 12 months ($1.35M). With about 4 sales a year, a single closing can swing this number, so read the level and the decade, not one year's move.Momentum Research, record-level Stellar MLS closed sales, 12-month windows ending August 2. Confidence: Low (8 and 3 sales in the two windows).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated October 15, 2026 · Live data: Stellar MLS, refreshed twice daily · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
The 60-Second Overview
Waterstone market snapshot (as of August 2, 2026): the median sale price is about $1.52M ($423 per sq ft over the trailing 12 months of closed sales), a median 47 days on market for closed sales, and 1.5 months of supply, a seller-leaning market. The trailing-12-month median is up 12% from the prior 12 months, computed from record-level Stellar MLS closed sales (8 closings in the current window).
In ZIP 34786 (Windermere), 788 homes closed in the last 12 months at a median of $640K ($261/sq ft), down 0.6% year over year, with a median 40 days on market. Right now 131 active and 43 pending listings put supply at about 3.7 months - a balanced market. See the live ZIP 34786 housing market and the Orange County market.
Flood zones in Waterstone: of 9 listing addresses checked against the FEMA National Flood Hazard Layer, 100% sit outside the FEMA Special Flood Hazard Area (Zone X). Individual parcels vary - verify any specific address at msc.fema.gov. See flood zones by neighborhood in Windermere.
Waterstone is a community of 120 homes in Windermere, Orange County, built between 2010 and 2024 (median 2014), with a median living area of about 4,694 square feet. 65% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
The setting & the homes.
Aerial and on-site photos of Waterstone. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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WaterstonePhotos from Stellar MLS listings in Waterstone; content deemed reliable but not guaranteed.
Price History: What Homes Here Have Actually Sold For
Median sale price over the trailing 12 months ending August 2 of each year, from record-level Stellar MLS closed sales. Same methodology as every appreciation figure on this page: the 2026 point ($1.52M) IS the median in the snapshot above, and the move from 2025 ($1.35M) IS the +12.5% one-year change.
Windows contain 0 to 10 sales each (8 in the current window); every figure carries its sample size, and thin markets swing on single closings. Based on Stellar MLS data distributed by MLS GRID for the period 2012 through 2026. Deemed reliable but not guaranteed.
20% of homes for sale in ZIP 34786 are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-10-15).
Waterstone Market Scorecard
Waterstone is currently a seller-leaning market. About 1.5 months of supply, a median asking price of $1,595,000, and homes go under contract in about 15 days.
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, refreshed twice daily. Market metrics only; these describe homes for sale and recent sales, not residents.
Homes For Sale Right Now in Waterstone
Live MLS inventory for Waterstone. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.
Active and pending Waterstone listings as of 2026-10-15, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2012 through 2026. Tap any home to ask about it.
Waterstone on the map.
Every active, pending, and recently sold home, plotted. Toggle the layers and tap a home for the details.
Listing locations from Stellar MLS. Map data © OpenStreetMap contributors.
Life at Waterstone
- Gated · reported on 7 of 9 listings
- Gated Community - Guard · reported on 6 of 9 listings
- Deed Restrictions · reported on 5 of 9 listings
- Gated Community · reported on 5 of 9 listings
- Playground · reported on 3 of 9 listings
- Community Mailbox · reported on 2 of 9 listings
- Security Gate · reported on 2 of 9 listings
- Security Lights · reported on 1 of 9 listings
- Maintenance · reported on 1 of 9 listings
- Security · reported on 1 of 9 listings
- Irrigation-Reclaimed Water · reported on 1 of 9 listings
- Fence Restrictions · reported on 1 of 9 listings
Community amenities as reported across Stellar MLS listings in this community; deemed reliable but not guaranteed. Verify current amenities and access with the HOA.
Schools
- Orange County Public Schools
- Verify the zoned schools by address
- Magnet and choice options may be available
- Windermere Elem · Elementary
- Bridgewater Middle · Middle
- Windermere High School · High
Zoned schools reflect the assignments reported on recent Waterstone listings and can change; always confirm with Orange County Public Schools for a specific address.
Buying with schools in mind? We can confirm the exact zoned schools for any Waterstone address.
Recent Developments in Waterstone
Development, infrastructure, retail, and school activity affecting Waterstone, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated October 2026.
- September 2026Development
Orange County commissioners approve Tuscana land use plan in Shingle Creek Basin on 4-3 vote
Commissioners voted 4-3 to approve the Tuscana land use application from Shingle Creek Co-Owners LLC and Geyer Development, reversing a unanimous rejection in May 2025. The plan includes more than 1,000 hotel rooms, about 4,000 apartments and commercial buildings, with conditions for a raised road, flood mitigation and wetland protection. The developer projects thousands of jobs at full build-out.
What it may mean for the marketThe approval could add substantial rental housing, hotel capacity and commercial space in the Shingle Creek area, while flood-mitigation conditions will shape how and when it is built. The site is about 8 miles southeast of Waterstone.
Source: Spectrum News 13 - September 2026Development
Lake County approves 2,241-acre Panther Run rezoning for up to 2,624 homes near Clermont
The Lake County Commission voted 3-1 on Sept. 1 to rezone about 2,241 acres in the Wellness Way area, north of Sawgrass Bay Boulevard, for GT Homes. The planned unit development allows up to 2,624 residential units and more than 1 million square feet of non-residential space, with sites reserved for a future public high school and public safety facilities. Plans include extending County Road 455 and about 11 miles of public trails.
What it may mean for the marketThe plan adds long-term housing supply, employment space and new connector roads in south Lake County, with infrastructure planned ahead of residential growth. The site is about 9 miles southwest of Waterstone.
Source: Clermont Sun - August 2026Retail & Dining
Plans for Mattel indoor water park near Lake Buena Vista Factory Stores expand to 13 acres
Updated plans for the site off State Road 535 show a 95,000-square-foot indoor water park designed by Martin Aquatic, a separate 45,000-square-foot entertainment building and nearly 900 parking spaces. The tower height rises to as much as 100 feet and still needs Orange County approval. About 200 jobs are expected, and no opening date has been announced.
What it may mean for the marketThe project would add visitor attractions, dining and roughly 200 jobs near the State Road 535 corridor, with added traffic and parking demand nearby. The site is about 6 miles southeast of Waterstone.
Source: FOX 35 Orlando - July 2026Development
Orange County opens Enclave at Canopy Park with 104 affordable units
Orange County opened The Enclave at Canopy Park, a 104-unit affordable apartment community at 4440 Canopy Park Loop developed by Archway Partners. The county contributed 3 million dollars from its Affordable Housing Trust Fund. The community includes one and two bedroom homes plus a community center, fitness center, technology lab, and EV charging.
What it may mean for the marketAdds 104 income-restricted apartment homes to the local rental supply along with new community amenities and green-certified construction. The project is about 10 miles east of Waterstone, elsewhere in Orange County.
Source: ClickOrlando - July 2026Civic
Orange County previews new Innovation Center on West Colonial Drive
Orange County previewed its new Innovation Center at 7149 West Colonial Drive, located within the county's Multicultural Center and Senior Center complex, with an official opening set for Fall 2026. The center will offer technology programs including 3D printing and makerspace prototyping through the Orange County Library System, plus career exploration and workforce training through CareerSource Central Florida.
What it may mean for the marketAdds a county operated civic and technology facility with library and workforce programming to the West Colonial corridor. The project is about 8 miles northeast of Waterstone, elsewhere in Orange County.
Source: Orange County Newsroom - June 2026Development
Planning board approves zoning for 37-story tower at 170 East Washington Street
Orlando's Municipal Planning Board voted to approve a Planned Development amendment for a 37-story, 425-foot mixed-use tower at 170 East Washington Street across from Lake Eola Park. The project would include 252 residential units, a 221-room hotel, a three-story restaurant, and structured parking. It still requires City Council consideration before construction.
What it may mean for the marketWould add a 37 story tower with 252 residences and a hotel to the downtown skyline, replacing a prior approval for a 7 story hotel and increasing high density housing and parking supply. The project is about 12 miles east of Waterstone, elsewhere in Orange County.
Source: Florida YIMBY
Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.
The Waterstone buying strategy.
If we were buying in Waterstone today, this is the order of operations we would run for our clients.
Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.
Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.
Come strong and clean. Homes here move, so lead with your best terms and financing ready rather than a low anchor.
Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.
Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Waterstone.
A closer look at the Waterstone market
At a median of $423 per square foot, Waterstone prices sit in a fairly defined band, so condition and updates — more than the list price — tend to separate one home from the next.
Inventory runs at 1.5 months of supply, a seller-leaning market and the trailing-12-month median up 12% year over year. Homes that do trade take a median 47 days on market, useful leverage on any listing that has lingered.
The housing stock is 120 homes built between 2010 and 2024, and 65% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.
The location and the amenities are priced into every listing in Waterstone. The deal is won or lost on condition, the comps, and the renovation math.
Momentum Buy Score.
Our proprietary 0 to 10 read across the factors that decide how a home in Waterstone buys, holds, and resells. Momentum Research; not an appraisal.
Momentum Intelligence Scores are our proprietary, qualitative assessment on a 0 to 10 scale, built from the record-level market data on this page. They are a framework for comparing communities, not a guarantee of future value and not advice on a specific home; unlike an automated value estimate they do not price your home, they grade the community on evidence you can inspect. Composite is the plain average of the 4 factors (7.8). Basis: Recent Direction +12.5% year-over-year; Liquidity & Demand 1.5 months of supply; Owner Commitment 65% owner-occupied; Pricing Power 95.7% sale-to-list. Refreshed with each data update.
What it really costs to own in Waterstone
The parts of the monthly number a mortgage calculator leaves out, from the tax roll, the MLS, Citizens and FEMA. Property facts only.
| HOA dues | Median $442/month across 270 MLS listings (most billed annually; 2026-10-15). Dues cover what the documents say they cover; ask for the budget and reserve study. |
|---|---|
| Home and flood insurance | The average Citizens Property Insurance premium in Orange County is $1,409/yr (4,204 policies, Citizens detail by county, April 2026); private-market quotes depend on roof age, wind mitigation and construction. Flood: of 9 listing addresses checked against the FEMA flood map, 100% sit outside the high-risk zone. Statewide, a Zone X flood policy runs about $500-$700/yr and a high-risk zone $1,200-$2,500/yr (FEMA Risk Rating 2.0 averages, not quotes). |
| Roof and age | Median build year 2013 across 9 listings. An original roof here is about 13 years old: still inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage. |
Email me new listings in Waterstone
One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.
Ask an agent about Waterstone
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Waterstone will answer, and the answer is published on this page for the next buyer.
HOA, CDD & Fees
- HOA dues reported around $442/month (about $5,304/yr) · median of 270 MLS listings, most billed annually
- Any club/amenity membership is billed separately
Listings in this community report association dues of about $442 per month ($5,304 a year) - the median AssociationFee across 270 MLS records, normalised to a monthly figure; most are billed annually. Dues change with budgets and can differ by section or product type; confirm the current figure with the association before you offer. Source: MLS listing records, 2026-10.
Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.
Flood & Insurance Context
Of 9 sampled listing addresses in this community: 100% outside the FEMA Special Flood Hazard Area (Zone X/B/C).
Address-sampled; individual parcels vary - verify any specific address at msc.fema.gov. Check any address at FEMA's Flood Map Service Center, and see average home-insurance costs by Florida county.
Source: FEMA National Flood Hazard Layer, address-level lookups (n=9) · as of 2026-10
Tools for a Waterstone buy.
Free calculators to pressure-test the real cost before you tour.
Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Waterstone sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Waterstone, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Waterstone home worth?
Get a no-obligation home value based on real comparable sales in Waterstone, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
See all homes for sale in Windermere →
| Location | Windermere, Orange County, FL · ZIP 34786 |
|---|---|
| Homes in the community | 120 (FL DOR 2025 assessment roll) |
| Years built | 2010–2024 (median 2014) |
| Typical living area | 4,694 sq ft (median) |
| Home types (current listings and sales) | single-family 100% |
| Amenities listed by sellers | Gated, Gated Community - Guard, Deed Restrictions, Gated Community, Community Mailbox, Playground |
| Sale prices, last 12 months | $1,517,500 median across 8 closed sales · $423 per sq ft · +12.5% vs the prior 12 months |
| Days on market (closed sales) | 47 median |
| For sale right now | 1 active, 0 pending · median asking $1,595,000 · 1.5 months of supply |
| Owner-occupied (homestead) share | 65% |
Data as of August 2, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2012 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Waterstone key facts,” movewithmomentum.com/neighborhoods/waterstone-windermere, data as of August 2, 2026.
Housing distress & ownership in WATERSTONE, Windermere
Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.
Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period October 2026 through October 2026. Deemed reliable but not guaranteed.
Every Home for Sale in Waterstone Windermere Right Now (2)
All 2 active and pending Waterstone Windermere listings with a detail page, newest first, refreshed twice a day from the MLS.
- 11532 Waterstone Loop Drive · $2,199,000 · 4 bd / 5 ba · listed Sep 30, 2026 · listed by Bhhs Florida Realty
- 11832 Waterstone Loop Drive · $1,575,000 · 4 bd / 4.5 ba · pending · listed Aug 10, 2026 · listed by Corcoran Premier Realty
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Streets in this community
Street-level pages: every home on record, what sold and what is for sale on each street.
- Waterstone Loop Drive (53 homes on record)
Frequently Asked Questions
What is the median home price in Waterstone?
How long do homes in Waterstone take to sell?
Is Waterstone a buyer's or seller's market right now?
How many homes are in Waterstone?
What share of Waterstone is owner-occupied?
When were the homes in Waterstone built?
Do cash buyers compete in Waterstone?
Who is the best real estate agent for Waterstone?
How do I find a top Windermere real estate agent who knows Waterstone?
Can Momentum Realty connect me with an agent for Waterstone?
Where is Waterstone, and what county is it in?
Is Waterstone a good place to live?
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: October 15, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending August 2, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (community parcel extract) |
| Under-contract shares | Stellar MLS records, as of 2026-08-01 |
| Historical depth | Closed-sale records back to 2012 (59 transactions analyzed) |
Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.
Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.
Own a home here?
You just read the data. Now see what your home is worth.
The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live local comps.
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See how WATERSTONE fits the bigger picture — live prices, inventory, and Momentum Scores:
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More on Waterstone
- Home values · What homes in Waterstone actually sell for