Single Family Residence in CYPRESS LANDING, ORLANDO · No CDD on record
CYPRESS LANDING · Orlando, FL 32835 · Orange County
Listing data updated October 12, 2026 at 4:54 AM ET · checked against the MLS hourly
4Bedrooms
4.5Bathrooms
3,709Sq Ft
1996Year Built
$259Per Sq Ft
Private pool3-car garageNo CDD on recordFEMA Zone X4 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.
6% above
$/sq ft vs community
$259 here vs $244 median sold (12 mo)
Buyer leverage
Balanced market
187 days on market
2.2 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~161 ft elevation
$4k–$8k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 12, 2026, 3907 Winding Lake Cir in Cypress Landing, Orlando is listed at $959,500 (3,709 sq ft, about $259 per sq ft). It has been 187 days on market. Listing facts: built in 1996, a private pool, HOA dues of $60/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1996 · 30 yrs
3,709 sq ft of living area
3-car garage
Listed at $959,500 — recent neighborhood median sale price ~$902,500 (nearby sales; deemed reliable, not an appraisal)
187 days on market
HOA $60/mo (per listing)
Listing description
About this home
Price Improvement !!!!! Custom built 4 bedroom +, 4.5 baths, a 3 car garage, plus a large bonus/flex space in the highly sought area of Dr. Phillips and Windermere!
Enter through the grand double front doors to gleaming hardwood floors throughout the main living areas, including a formal living room which lets in a lot of natural light through the plantation shutters and dining room with sliding glass doors which leads to the screened lanai oasis. The gourmet kitchen boasts custom oak cabinets, granite countertops + backsplash, upgraded stainless steel appliances, and stunning travertine floors. Get cozy in the family room with custom oak built-in bookshelves for all your media or entertainment and enjoy the all-brick, raised hearth gas fireplace, a focal point for holidays and entertaining.
For those who work from home, you'll find a custom workstation with built-in cabinets and granite desktop. In your expansive primary suite, you'll find a dedicated sitting area, lanai access, and ensuite bath with double vanity, custom cherry wood cabinets, large dressing vanity, two (yes, TWO!) walk-in closets, a large walk-in shower and a garden jacuzzi tub for soaking after a long day. This beautiful home boasts many updates, including fresh paint throughout on the interior, brand new 3-ton HVAC, and the home was recently replumbed.
New Roof !!!. The backyard feels like a fairy tale with a sparkling pool/spa, Pergola, and gorgeous custom landscape throughout. An extra treat is an outdoor paver area to keep the chef company as they cook the barbeque.
This home is designed to meet the needs of your family today, tomorrow and beyond! It is conveniently located for shopping, Restaurant Row, and the attractions. Call today to schedule your private tour!
Description provided by A+ REALTY PROFESSIONALS, INC and reproduced from the MLS; not independently verified.
Listing courtesy of A+ REALTY PROFESSIONALS, INC · Listing agent: Sam Sibai · 407-702-5243Provided 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$959,500
Bed / bath4 / 4.5
Living area3,709 sq ft
Year built1996
Property typeSingle Family Residence
Garage3-car
PoolYes
MLS #O6369141
Listing status187 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~161 ft
CountyOrange
Area listings0 active · 0 under contract
Estimated first-year tax~$15,175/yr
CDD assessmentNone on record
HOA$60/mo
Calculated estimates
Price per sq ft$259
Estimated monthly payment$7,093
Insurance (illustrative)$4k–$8k/yr
Messtimate range$882,742 – $942,086
Comparable-sales median$902,500
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
$7,093/mo
Principal & interest $5,315/mo75%
Taxes $1,265/mo18%
Insurance $453/mo6%
HOA $60/mo1%
$7,093/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 $11,350/yr ($946/mo) — taxable value $679,999 × 16.67 mills
$3,825 more each year
(+34%)
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
$141,891
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.
$821,890
Market value
$730,721
Assessed
$679,999
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.
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)
$4k–$8k/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 insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$60/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 X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~161 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 · Cypress Landing Orlando
Pricing & the Cypress Landing Orlando market
How this home is priced against recent nearby sales, and where Cypress Landing Orlando has been over 25 years. Momentum Research analysis of realMLS 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
1996BuiltPer public record
About Apr 2026Listed (per MLS)MLS reports 187 cumulative days on market as of October 12, 2026
Oct 9, 2026First seen on movewithmomentum.comObserved at $959,500
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 $959,500Momentum Realty · on market 187 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 within about 3 miles 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
$875,000
2347 WARREN WOODS DRIVE, ORLANDO
5 / 4 bd/ba · 3,674 sq ft · $238/sq ft
Courtesy of PREMIER SOTHEBYS INT'L REALTY · View details →
Sold Jul 2026
$930,000
7904 WESTMINSTER ABBEY BOULEVARD, ORLANDO
5 / 4 bd/ba · 3,664 sq ft · $254/sq ft
Courtesy of EXP REALTY LLC · View details →
Sold Jun 2026
$990,000
3529 KING GEORGE DRIVE, ORLANDO
4 / 4.5 bd/ba · 3,777 sq ft · $262/sq ft
Courtesy of RE/MAX 200 REALTY · View details →
Sold Jun 2026
$612,050
2457 BAESEL VIEW DRIVE, ORLANDO
4 / 4 bd/ba · 3,623 sq ft · $169/sq ft
Courtesy of INVESTOR'S REAL ESTATE LLC · View details →
Sold Sep 2025
$865,000
2317 WARREN WOODS DRIVE, ORLANDO
5 / 4 bd/ba · 3,615 sq ft · $239/sq ft
Courtesy of MARK SPAIN REAL ESTATE · View details →
Sold Jun 2026
$950,000
8719 SUMMERVILLE PLACE, ORLANDO
4 / 3.5 bd/ba · 3,808 sq ft · $249/sq ft
Courtesy of KARICK PRICE & ASSOCIATES · View details →
Median of these 6 sales: $902,500 ($244/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$882,742the mess$942,086
Stronger local evidence — 6 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $959,500 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 7% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1996 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $60/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
2 active listings competing, 2 under contract
11 closed here in the last 12 months
For reference, this home is listed at $959,500 ($259/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review 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. That's the difference between a Messtimate and a valuation.
Methodology: 3,709 sq ft × $238–$254/sq ft (interquartile band of 6 comparable closed sales within about 3 miles, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 12, 2026.
Momentum Scores
Momentum Property Score
59/100
Strongest on: Flood safety (95), Insurance cost (66)
0 limited50100 exceptional
59/100 is solid, mid-pack 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 area35
This home $259/sq ft vs the community 12-month median $244/sq ft.
Affordability39
List price $959,500 vs the community median $902,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~161 ft elevation. Verify the parcel with FEMA.
Insurance cost66
From FEMA Zone X and a 1996 build. Obtain a property-specific quote.
Coverage: 4 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
🟡 Balanced conditions around this listing. 2.2 months of supply in the surrounding market and 187 days on market for this home, against a 111-day area median.Days on market:this home 187Area median: 111 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. Source: Data provided by realMLS. As of August 23, 2026.
🟡 Asking $259 per square foot, about 6% above the community’s $244 median. Cypress Landing Orlando’s 12-month median sold price per square foot is $244. 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.
Updated October 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by A+ REALTY PROFESSIONALS, INC · MLS # O6369141
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Keep looking
Similar homes for sale near CYPRESS LANDING
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 8 miles south of Cypress Landing Orlando.
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 7 miles south of Cypress Landing Orlando.
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.
School zoningThis address is in the Orange County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Items worth confirming for 3907 Winding Lake Cir, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1996 (30 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $60/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
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.
Listed living area is 3,709 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 $15,175/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,825 more per year than the current owner’s estimated bill (+34%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
Stellar MLS, checked against the MLS hourly (last: October 12, 2026)
Comparable sales
Stellar MLS closed sales within about 3 miles, last 18 months, as of August 23, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
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 3907 Winding Lake Cir and when was it built?
Per the listing record, 3907 Winding Lake Cir was built in 1996 and has 3,709 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 3907 Winding Lake Cir in?
3907 Winding Lake Cir is in Cypress Landing in Orlando, Orange County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 3907 Winding Lake Cir have an HOA, and how much are the dues?
The listing reports HOA dues of $60 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 3907 Winding Lake Cir differ from the current owner's?
The estimate on this page (about $15,175 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,825 more per year than the current owner’s estimated bill (+34%). 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 3907 Winding Lake Cir in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
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 3907 WINDING LAKE CIR 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.
