4 bedroom Single Family Residence at 5624 W LAKE BUTLER ROAD, KELSO ON LAKE BUTLER, WINDERMERE — photo 1Front elevation
4 bedroom Single Family Residence at 5624 W LAKE BUTLER ROAD, KELSO ON LAKE BUTLER, WINDERMERE — photo 2Living space
4 bedroom Single Family Residence at 5624 W LAKE BUTLER ROAD, KELSO ON LAKE BUTLER, WINDERMERE — photo 3Kitchen
4 bedroom Single Family Residence at 5624 W LAKE BUTLER ROAD, KELSO ON LAKE BUTLER, WINDERMERE — photo 4Owner's suite
4 bedroom Single Family Residence at 5624 W LAKE BUTLER ROAD, KELSO ON LAKE BUTLER, WINDERMERE — photo 5Exterior / yardView all 81 photos →
43 days on market Single Family Residence
$2,375,000
4-Bedroom Home in KELSO ON LAKE BUTLER

5624 W LAKE BUTLER ROAD, WINDERMERE, FL 34786

Single Family Residence in KELSO ON LAKE BUTLER, WINDERMERE · No CDD
KELSO ON LAKE BUTLER · WINDERMERE, FL 34786 · Orange
Listing data updated July 25, 2026 · refreshed twice daily
4Bedrooms
3.5Bathrooms
3,736Sq Ft
2016Year Built
$636Per Sq Ft
Waterfront2-car garageNo CDDFEMA Zone X4 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
in line with
$/sq ft vs community
$636 here vs $642 median sold (12 mo)
Buyer leverage
Seller-leaning
43 days on market
6.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~20 ft elevation
$6k–$14k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 4 of 5
Price vs recent sales
Asking $2.38M tops 4 of the last 5 closed sales

Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights
  • No CDD assessment on record
  • Built 2016 · 10 yrs
  • 3,736 sq ft of living area
  • 2-car garage
  • Listed at $2,375,000 — recent neighborhood median sale price ~$1,865,000 (nearby sales; deemed reliable, not an appraisal)
  • 43 days on market
  • HOA ~$50/mo (estimate; confirm)
Momentum Research · Kelso On Lake Butler Windermere

Pricing & the Kelso On Lake Butler Windermere market

How this home is priced against recent nearby sales, and where Kelso On Lake Butler Windermere 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.

Price per sq ft · this home vs. recent nearby sales1125 KELSO BOULEVARD1125 KELSO BOULEVARD: $376/sq ft$3761404 KELSO BOULEVARD1404 KELSO BOULEVARD: $494/sq ft$4941424 KELSO BOULEVARD1424 KELSO BOULEVARD: $533/sq ft$533This homeThis home: $636/sq ft$636Community median $642

Median $/sq ft by year

Community sold $/sq ft, 2015–2026. This home lists at $636/sq ft.

$111$405$6992015: $16820152017: $32220172023: $48620232025: $40020252026: $6422026

Median sale price by year

12-month median closed price, 2015–2026.

$496k$1.6M$2.6M2015: $700k20152017: $1.4M20172023: $1.4M20232025: $2.4M20252026: $1.9M2026
Property timeline

This home’s history

  • 2016BuiltPer public record
  • Jul 10, 2026First trackedObserved at $2,375,000
  • NowActiveCurrently for sale

Build year is from public record. Listing 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.

Financing

Estimated monthly payment

$14,952/mo
  • Principal & interest $12,034/mo 80%
  • Taxes $2,078/mo 14%
  • Insurance $790/mo 5%
  • HOA $50/mo 0%

$14,952/mo at 20% down, 30-yr @ 6.52% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Momentum Scores

Momentum Property Score

50/100
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional

50/100 is below average 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 area52
This home $636/sq ft vs the community 12-month median $642/sq ft.
Affordability4
List price $2,375,000 vs the community median $1,865,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2016 build. Obtain a property-specific quote.
Market liquidity37
Community median 68 days on market, ~6.0 months of supply (12-month record).
Renovation upside30
From a 2016 build and $636/sq ft vs the community median $642/sq ft. Not a condition assessment.
Buyer competition25
75% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power80
Recent sales closed at about 92.0% of original asking (~8.0% below). More room below asking generally favors buyers.

Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟠 Seller-leaning conditions around this listing. 6.0 months of supply in the surrounding market and 43 days on market for this home, against a 68-day area median.Days on market:this home 43Area median:  68 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 %s through %s. As of July 15, 2026.

🟡 Asking $636 per square foot, about in line with the community’s $642 median. Kelso On Lake Butler Windermere’s 12-month median sold price per square foot is $642. Median sold price per square foot is down 22.3% year over year. Confidence: Low · 4 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

70% of homes in Kelso On Lake Butler Windermere are owner-occupied. An estimated 30% are non-owner-occupied, including 18% 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), 60 homes matched. Community-level context.

Recent Kelso On Lake Butler Windermere sales closed near 92.0% of original asking. Cash paid for about 75% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending July 15, 2026. Aggregates only; deemed reliable but not guaranteed.

What’s unique here: one of only 2 active listings in Kelso On Lake Butler Windermere, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated July 25, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

Opportunities like this in Windermere rarely reach the open market and are often treasured for generations.Welcome to an extraordinary lakefront estate in the highly coveted community of Kelso on Lake Butler, where timeless architecture, unmatched privacy and the ultimate Florida lifestyle come together on over 2 pristine acres along the shores of private Lake Davis. This sprawling custom one-story estate offers almost 4000 square feet of thoughtfully designed living space with breathtaking sunset views, a private sandy shoreline,private boat ramp and covered boat dock on Lake Davis. Residents of Kelso on Lake Butler also enjoy exclusive access to a private community boat ramp, fishing pier and park on the world-renowned Butler Chain of Lakes,connecting you to 13 interconnected ski lakes and more than 5,000 acres of recreational paradise just moments from your front door.

From the moment you arrive, the heavily landscaped grounds,massive brick paver driveway,lush tropical landscaping & mature oak trees create a commanding first impression.Oversized double entry doors open to soaring 14-foot ceilings and an incredible open-concept living space designed for both grand entertaining and everyday comfort.The impressive great room (34x25) is anchored by a dramatic wall of custom built-ins, stunning stonework and an electric fireplace that creates an incredible focal point. The chef’s kitchen is equally spectacular,featuring an oversized gathering island,separate Sub-Zero refrigerator and freezer,custom cabinetry and a showstopping Wolf freestanding range,vented hood and pot filler.This space was designed to bring people together and will quickly become the centerpiece of every gathering. The owner’s retreat is a true private sanctuary , massive custom walk-in closet with additional full sized W & D, massive spa and secluded outdoor shower.

On the opposite side of the home, a bonus/flex room leads to an additional ensuite bedroom and two oversized secondary bedrooms connected by a Jack and Jill bath provide exceptional privacy and flexibility for family and guests. A secondary garage exit also allows this area to easily be converted into an in law suite. One of the home’s most captivating features is the massive pocketing glass wall that completely opens the interior to the enormous covered & screened lanai, creating a seamless indoor-outdoor living experience.

Tongue & groove ceilings,a summer kitchen and panoramic lake views transform this space into the ultimate entertaining destination.Every evening feels special as you enjoy postcard-worthy sunsets over Lake Davis from the comfort of your own backyard. Additional highlights include a climate-controlled garage,irrigation sourced directly from the lake for reduced waterbill &a durable metal roof designed for decades of drama free ownership. Kelso on Lake Butler is one of Windermere’s most sought-after luxury lakefront communities,known for its canopy oak-lined streets,estate homes and unmatched access to the Butler Chain of Lakes.Tucked away in one of Windermere’s best-kept secrets,yet only minutes from top-rated schools, dining, shopping and major attractions,this location perfectly balances tranquility and convenience.

This is more than a home,it is a rare legacy property and a true unicorn opportunity in the Windermere luxury real estate market. Opportunities like this are few and far between.Do not miss your chance to own one of Central Florida’s most special lakefront estates.

Description provided by RE/MAX PRIME PROPERTIES and reproduced from the MLS; not independently verified.

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$2,375,000
Bed / bath4 / 3.5
Living area3,736 sq ft
Year built2016
Property typeSingle Family Residence
Garage2-car
MLS #O6411407
Listing status43 days on market

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~20 ft
Windstorm exposureLow
CountyOrange
Area listings2 active · 1 under contract
Estimated first-year tax~$24,938/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$636
Estimated monthly payment$14,952
Insurance (illustrative)$6k–$14k/yr
Comparable-sales median$1,865,000

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
Listing courtesy of RE/MAX PRIME PROPERTIES · Listing agent: Ronald Ziolkowski · 407-347-4512Provided 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.
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.

$2,110,840the mess$2,686,184

Actual list price: $2,375,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 27% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
  • Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.

And here's what the live market is doing — which the number above ignores entirely:

  • This home: 43 days on market vs. a 68-day community median
  • 2 active listings competing
  • 6.0 months of supply
  • 5 closed here in the last 12 months

For reference, this home is listed at $2,375,000 ($636/sq ft) — a number set with analysis a Messtimate can't do.

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.

Selling your own home? Try the Messtimate on your address →

Methodology: 3,736 sq ft × $565–$719/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 25, 2026.

Keep looking

Similar homes for sale near KELSO ON LAKE BUTLER

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.

Transparency

Price & listing history

Listed for $2,375,000Momentum Realty · on market 43 days
Public records

Building permits

Permit history not yet linkedAdd county permit records via overrides
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.

Property tax (first-year est.)
~$24,938/yr

A rough first-year estimate only, applying a typical Orange rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None

No CDD assessment on record for this community.

Insurance (illustrative range)
$6k–$14k/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
$50/mo

Covers the master association & common areas. Confirm exact dues and what they include.

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
~20 ft

Approximate parcel elevation from USGS. Run --online for a live reading.

Windstorm / insurance
Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Market data · public records

Recent sales activity in KELSO ON LAKE BUTLER

Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the KELSO ON LAKE BUTLER neighborhood guide for more.

Comparable sales found
3

Recent nearby closings in the data set.

Community median sale price
$1,865,000

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$642

Canonical 12-month median $/sq ft. Reference only.

Go deeper on KELSO ON LAKE BUTLER

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.

Assigned schools

Assigned schools

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
Windermere ElemAssigned elementary school · Orange County School District · Grade A (Florida DOE 2025-26)
GRADEA
Bridgewater MiddleAssigned 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)
How it stacks up

Comparable recent sales

Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.

Community 12-month median: $642/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.

If you rent it out

Investment snapshot

Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.

Estimated rent$10,885 – $15,833/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.6%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$4,403 – +$50At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide

Buyer research checklist

A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.

  • Confirm roof age and condition during inspection.
  • Confirm HVAC age and condition during inspection.
  • Request current HOA documents before relying on dues or restrictions.
  • Obtain an insurance quote for this specific property.
  • Confirm school zoning directly with the district.
  • Order a survey to confirm lot boundaries.
  • Review permit history with the county.
  • Confirm whether flood insurance is required for this parcel.
  • Confirm square footage and room dimensions independently.
  • Ask the county how property taxes may change after a sale.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Provenance

Data sources & freshness

Listing recordrealMLS, refreshed twice daily (last: July 25, 2026)
Community market statsrealMLS closed sales, as of July 15, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costEstimated from county rates; not a quote
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of realMLS 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

Why might my property taxes differ from the current owner's?

Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Where does the flood-zone information come from?

The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. 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 5624 W LAKE BUTLER ROAD 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.

Call (904) 351-6461

Momentum Realty · licensed in FL & GA

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 a typical county millage rate to the list price 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.

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.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.