Single Family Residence in CASA DEL LAGO REP, WINDERMERE · No CDD on record
CASA DEL LAGO REP · Windermere, FL 34786 · Orange County
Listing data updated October 16, 2026 at 7:20 AM ET · checked against the MLS hourly
Listed by EXP REALTY LLC (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
4Bedrooms
4.5Bathrooms
4,296Sq Ft
2016Year Built
$722Per Sq Ft
WaterfrontPrivate pool4-car garageNo CDD on record4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
88% above
$/sq ft vs community
$722 here vs $385 median sold (12 mo)
Buyer leverage
Strong buyer advantage
54 days on market
12.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~105 ft elevation
$8k–$18k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 16, 2026, 12102 Montalcino Circle in Casa Del Lago Rep, Windermere is listed at $3,100,000 (4,296 sq ft, about $722 per sq ft). It has been 54 days on market. Listing facts: built in 2016, a private pool, waterfront, HOA dues of $250/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2016 · 10 yrs
4,296 sq ft of living area
4-car garage
Listed at $3,100,000 — recent neighborhood median sale price ~$1,750,000 (nearby sales; deemed reliable, not an appraisal)
54 days on market
HOA $250/mo (per listing)
Listing description
About this home
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.
All 6 photos
Description provided by EXP REALTY LLC and reproduced from the MLS; not independently verified.
Listing courtesy of EXP REALTY LLC · Listing agent: Kristy Cook · 888-883-8509Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$3,100,000
Bed / bath4 / 4.5
Living area4,296 sq ft
Year built2016
Property typeSingle Family Residence
Garage4-car
PoolYes
MLS #O6428441
Listing status54 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~105 ft
CountyOrange
Area listings4 active · 0 under contract
Estimated first-year tax~$50,850/yr
CDD assessmentNone on record
HOA$250/mo
Calculated estimates
Price per sq ft$722
Estimated monthly payment$22,689
Insurance (illustrative)$8k–$18k/yr
Messtimate range$1,473,528 – $2,882,616
Comparable-sales median$1,750,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$22,689/mo
Principal & interest $17,171/mo76%
Taxes $4,238/mo19%
Insurance $1,031/mo5%
HOA $250/mo1%
$22,689/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Orange County rate (16.67 mills, adopted 2025 millage). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $32,150/yr ($2,679/mo) — taxable value $1,927,782 × 16.67 mills
$18,700 more each year
(+58%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$155,258
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$2,083,040
Market value
$1,927,782
Assessed
$1,927,782
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Orange County Property Appraiser 2025 final millage rates; OCPS 2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 12102 Montalcino Circle
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $32,150/yr (certified county roll, taxable value × millage). Buy at the asking price of $3,100,000 and the first-year bill resets to about $50,850/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 16.67 mills); Save Our Homes caps later increases at 3%/yr.
HOA dues
$250/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
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 differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $8,500–$18,000/yr; neither is a quote. Flood: this address maps to FEMA zone AE, a high-risk zone where flood insurance is required with a federally backed mortgage. Statewide, a zone A/AE/VE flood policy runs about $1,200–$2,500/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 2016. An original roof is about 10 years old: inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage.
Estimated carrying cost at the asking price, before the mortgage: about $4,605/month (tax $4,238, HOA $250, insurance $117). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$8k–$18k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$250/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~105 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Orange County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Inland floodingRelatively High
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoVery High
LightningVery High
Strong windVery High
DroughtRelatively Low
HailRelatively High
Cold waveVery High
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Casa Del Lago
Pricing & the Casa Del Lago market
How this home is priced against recent nearby sales, and where Casa Del Lago has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
2016BuiltPer public record
Aug 11, 2026First seen on movewithmomentum.comObserved at $3,100,000
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $3,100,000Momentum Realty · on market 54 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in CASA DEL LAGO REP in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Jun 2026
$1,750,000
12235 MONTALCINO CIRCLE, WINDERMERE
4 / 4.5 bd/ba · 4,550 sq ft · $385/sq ft
Courtesy of SOUTHERN REALTY GROUP LLC · View details →
Sold Jun 2026
$1,750,000
12235 MONTALCINO CIRCLE, WINDERMERE
4 / 4.5 bd/ba · 4,550 sq ft · $385/sq ft
Courtesy of SOUTHERN REALTY GROUP LLC · View details →
Sold Jun 2025
$1,300,824
7225 SANGALLA DRIVE, WINDERMERE
4 / 3.5 bd/ba · 3,797 sq ft · $343/sq ft
Courtesy of LPT REALTY, LLC · View details →
Sold Jun 2025
$1,300,824
7225 SANGALLA DRIVE, WINDERMERE
4 / 3.5 bd/ba · 3,797 sq ft · $343/sq ft
Courtesy of LPT REALTY, LLC · View details →
Sold Mar 2026
$3,450,000
12120 MONTALCINO CIRCLE, WINDERMERE
4 / 5 bd/ba · 5,138 sq ft · $671/sq ft
Courtesy of KELLER WILLIAMS CLASSIC · View details →
Sold Mar 2026
$3,450,000
12120 MONTALCINO CIRCLE, WINDERMERE
4 / 5 bd/ba · 5,138 sq ft · $671/sq ft
Courtesy of KELLER WILLIAMS CLASSIC · View details →
Median of these 6 sales: $1,750,000 ($385/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™ · automated estimate
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
$1,813,300the mess$2,719,800
Strong local evidence — built from 6 comparable closed sales in CASA DEL LAGO REP (same property type, closed within the last 18 months, each adjusted to today's market).
Track record: across 2,980 recent closed sales we scored, the closed price landed inside the Messtimate range 58% of the time; median miss 9.5% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-16.
Actual list price: $3,100,000 ($722/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 50% spread on the same house — here is what a model can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures.
The lot — this listing is waterfront; water frontage is priced far off nearby averages.
The pool — a private pool carries cost and value the model only sees through the comps.
Carrying costs & concessions — this home carries HOA dues of $250/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
5 active listings competing
≈12.0 months of supply
4 closed here in the last 12 months
Want a property-specific value from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (6) + tax-roll just value × local sale-to-roll ratio (4 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 16, 2026.
Momentum Scores
Momentum Property Score
26/100
Strongest on: Flood safety (50), Insurance cost (45)
0 limited50100 exceptional
26/100 is limited across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $722/sq ft vs the community 12-month median $385/sq ft.
Affordability0
List price $3,100,000 vs the community median $1,750,000. Not a measure of personal affordability.
Flood safety50
FEMA Zone AE, ~105 ft elevation. Verify the parcel with FEMA.
Insurance cost45
From FEMA Zone AE and a 2016 build. Obtain a property-specific quote.
Market liquidity35
Community inventory, ~12.0 months of supply (12-month record).
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 12.0 months of supply in the surrounding market and 54 days on market for this home, against a 54-day area median.Days on market:this home 54Area median: 54 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2012 through 2021. As of September 20, 2026.
🟡 Asking $722 per square foot, about 88% above the community’s $385 median. Casa Del Lago’s 12-month median sold price per square foot is $385. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
64% of homes in Casa Del Lago are owner-occupied. An estimated 36% are non-owner-occupied, including 14% held in a company or trust and 100% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 87 homes matched. Community-level context.
What’s unique here: one of only 4 active listings in Casa Del Lago, no CDD assessment.
Updated October 16, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by EXP REALTY LLC · MLS # O6428441
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Keep looking
Similar homes for sale near CASA DEL LAGO REP
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Sep 2026 · Development
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.
Why it matters: The 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 7 miles southeast of Casa Del Lago.
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.
Why it matters: The 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 8 miles west of Casa Del Lago.
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.
Why it matters: The 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 5 miles southeast of Casa Del Lago.
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.
Why it matters: Adds 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 Casa Del Lago, elsewhere in Orange County.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Orange County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Sunset Park ElemAssigned elementary school · Orange County School District · Grade A (Florida DOE 2025-26)
GRADEA
Horizon West Middle SchoolAssigned middle school · Orange County School District · Grade A (Florida DOE 2025-26)
GRADEA
Windermere High SchoolAssigned high school · Orange County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 12102 Montalcino Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2016: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $250/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
Get a homeowners insurance quote for this specific address in Orange County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 4,296 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $50,850/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $18,700 more per year than the current owner’s estimated bill (+58%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
Stellar MLS, checked against the MLS hourly (last: October 16, 2026)
Comparable sales
Stellar MLS closed sales in CASA DEL LAGO REP, last 18 months, as of September 20, 2026
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 12102 Montalcino Circle and when was it built?
Per the listing record, 12102 Montalcino Circle was built in 2016 and has 4,296 sq ft of living area, 4 bedrooms and 4.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 12102 Montalcino Circle in?
12102 Montalcino Circle is in Casa Del Lago Rep in Windermere, Orange County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 12102 Montalcino Circle have an HOA, and how much are the dues?
The listing reports HOA dues of $250 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 12102 Montalcino Circle differ from the current owner's?
The estimate on this page (about $50,850 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $18,700 more per year than the current owner’s estimated bill (+58%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 12102 Montalcino Circle in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 12102 MONTALCINO CIRCLE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
