Waterford Villas
Homes for Sale in Orlando, FL
All 4,383 homes for sale in Orlando, FL · median $379,000 · 459 townhomes for sale in Orlando · 176 homes for sale in 32828 · Orange County homes for sale
True comps, carrying-cost math, and listings before the portals.
As of November 2026, Waterford Villas 51 103 in Orlando, FL has 3 homes for sale. Over the 12 months ending 2026-11-13, 4 recorded sales closed at a median of $306,000, $229 per square foot, a median 48 days on market, sellers accepting 97% of original asking. Homes listed or recently sold were built 2002 - 2004; 14 of 15 report an HOA (median $258/mo); none of the 15 geocoded homes sit in a FEMA special flood hazard zone (median elevation 82 ft). At the median price and Orange County's FY2025-26 rate of 16.67 mills, annual property tax runs about $5,100 ($4,430 with the full homestead exemption).
Last 30 days in Waterford Villas: 2 new listings (median asking $327,450), 1 under contract right now, 1 closed sale (median $290,000). As of November 12, 2026, Listings courtesy of Stellar MLS as distributed by MLS GRID.
Homes For Sale Right Now in Waterford Villas
Live MLS inventory for Waterford Villas. 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 · 28 daysTop listing
Active · 125 days
Active · 20 days
Under Contract · 72 daysActive and pending Waterford Villas listings as of 2026-11-12, priced high to low. Based on Stellar MLS data distributed by MLS GRID for the period 2024 through 2026. Tap any home to ask about it.
Waterford Villas is a tight, built-out community of 219 homes dating to the early 2000s, with a median living area around 1,476 square feet. Price here is driven more by condition and updates than by size or vintage, since the stock is narrow in age and footprint. The median sits at $329,000, or roughly $195 a square foot, and the spread you see in the market will track how move-in ready a given home is.
The posture is balanced: about 3.6 months of supply, a median of 35 days on market, and a market heat score of 17. Prices are off 4.1% year over year, so sellers should price to current comps rather than last year's. Buyers have room to negotiate but not to stall - with only 3 active listings, choice is thin, and the right home can move once it's priced correctly.
Figures in this note are as of October 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.
Waterford Villas right now
🟡 Balanced market. 3.3 months of supply and 25% of the inventory already under contract put buyers and sellers on roughly even footing.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 November 13, 2026. Confidence: Medium (4 active and pending listings, 4 closed sales in 12 months).
Jump to: Price history & scorecard · Homes for sale · Schools · FAQ
· Updated November 14, 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
Waterford Villas market snapshot (as of November 13, 2026): the median sale price is about $306K ($229 per sq ft over the trailing 12 months of closed sales), a median 49 days on market for closed sales, and 3.3 months of supply, a balanced market.
In ZIP 32828 (Orlando), 223 homes closed in the last 12 months at a median of $504K ($222/sq ft), up 1.3% year over year, with a median 35 days on market. Right now 33 active and 12 pending listings put supply at about 1.8 months - a healthy market. See the live ZIP 32828 housing market and the Orange County market.
County records show 16 qualified sales in Waterford Villas across 2024 - 2025 (9 in 2024, 7 in 2025), median $350,000 - the last recorded sale per parcel on the Florida DOR 2025 assessment roll, independent of the MLS.
Flood zones in Waterford Villas: of 14 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 Orlando.
Waterford Villas is a community of 219 homes in Orlando, Orange County, built between 2002 and 2004 (median 2003.0), with a median living area of about 1,476 square feet. 31% of parcels are homesteaded, the owner-occupancy proxy in the Florida DOR assessment roll (2025 roll, public records).
A small, gated, deed-restricted community of early-2000s villas in Orlando's Orange County, where the limited inventory and uniform housing stock make condition the main lever on price.
The setting & the homes.
Aerial and on-site photos of Waterford Villas. Swipe to explore the community.
Swipe or use the arrows → tap any photo to enlarge
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Waterford VillasPhotos from Stellar MLS listings in Waterford Villas; content deemed reliable but not guaranteed.
Who Waterford Villas is best for.
Best for
- Buying a low-maintenance, gated home with deed restrictions and a predictable community look
- Looking for a consistent early-2000s villa footprint and willing to compete on a thin inventory
- Prioritizing condition and updates over square footage or architectural variety
Probably not for
- Needing a wide range of home sizes, ages, or floor plans to choose from
- Wanting to park a truck, RV, or motorcycle at the home
- Expecting a deep pool of active listings and leverage to wait out the market
Waterford Villas 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 Waterford Villas
- Playground · reported on 8 of 9 listings
- Pool · reported on 7 of 9 listings
- Community Mailbox · reported on 6 of 9 listings
- Gated Community - No Guard · reported on 6 of 9 listings
- Basketball Court · reported on 4 of 9 listings
- Gated Community · reported on 1 of 9 listings
- Gated · reported on 1 of 9 listings
- Deed Restrictions · reported on 1 of 9 listings
- No Truck/RV/Motorcycle Parking · 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
- Castle Creek Elem · Elementary
- Legacy Middle · Middle
- East River High · High
Zoned schools reflect the assignments reported on recent Waterford Villas 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 Waterford Villas address.
Shop the zone: Homes zoned for East River High High School
The Waterford Villas buying strategy.
If we were buying in Waterford Villas 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.
Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.
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 Waterford Villas.
A built-out enclave where condition sets the number
With homes built between 2002 and 2004 and a median footprint near 1,476 square feet, Waterford Villas offers consistency rather than variety. That works in a buyer's favor when comparing homes - you are mostly judging updates, finishes, and upkeep, not floor plans. The gated, deed-restricted structure and parking rules (no truck, RV, or motorcycle parking) signal a community that prioritizes a uniform, low-friction look.
Amenities run to a pool, playground, and basketball court, with a community mailbox and gated access without a guard. A homestead share near 31% suggests a meaningful portion of the homes are not owner-occupied as primary residences, which is worth weighing if you want a settled, long-hold environment. Verify current amenities and any access or rental rules directly with the HOA before you commit.
The location and the amenities are priced into every listing in Waterford Villas. 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 Waterford Villas 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 3 factors (5.8). Basis: Liquidity & Demand 3.3 months of supply; Owner Commitment 31% owner-occupied; Pricing Power 96.6% sale-to-list. Refreshed with each data update.
Why work with Momentum here
In a community this small, pricing is won or lost on condition-adjusted comps, and there are only a handful of active listings to read against. We track every closing in the window, know how the deed restrictions and parking rules affect buyer demand, and will tell you plainly whether a given home is priced to the current market or to last year's.
Waterford Villas in 15 seconds.
Tools for a Waterford Villas 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 Waterford Villas sales matched to your home.
Price it to the comps and condition, not an automated estimate.
If you are thinking about selling in Waterford Villas, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.
What is your Waterford Villas home worth?
Get a no-obligation home value based on real comparable sales in Waterford Villas, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.
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Recently off market in Waterford Villas 51 103
Homes in Waterford Villas 51 103 that recently left the market. Each address opens its public-record profile: county-recorded value, property taxes, the last recorded sale, community sales history, and what is for sale nearby now. 4 on record.
- 12621 Somerset Oaks Street · off market
- 12769 Lexington Summit Street · off market
- 12905 Lexington Summit Street · off market
- 13054 Lexington Summit Street · off market
| Location | Orlando, Orange County, FL · ZIP 32828 |
|---|---|
| Homes in the community | 219 (FL DOR 2025 assessment roll) |
| Years built | 2002–2004 (median 2003.0) |
| Typical living area | 1,476 sq ft (median) |
| Home types (current listings and sales) | townhouses 100% |
| Amenities listed by sellers | Playground, Pool, Gated Community - No Guard, Basketball Court, Community Mailbox, Deed Restrictions |
| Sale prices, last 12 months | $306,000 median across 4 closed sales · $229 per sq ft |
| Days on market (closed sales) | 48 median |
| For sale right now | 3 active, 1 pending · median asking $325,000 · 3.3 months of supply |
| Owner-occupied (homestead) share | 31% |
Data as of November 13, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2024 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Waterford Villas key facts,” movewithmomentum.com/neighborhoods/waterford-villas-51-103-orlando, data as of November 13, 2026.
Housing distress & ownership in Waterford Villas 51 103, Orlando
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 November 2026 through November 2026. Deemed reliable but not guaranteed.
Every Home for Sale in Waterford Villas 51 103 Right Now (4)
All 4 active and pending Waterford Villas 51 103 listings with a detail page, newest first, refreshed twice a day from the MLS.
- 12916 Lexington Summit Street · $319,900 · 3 bd / 2.5 ba · listed Oct 23, 2026 · listed by Re/Max 200 Realty
- 13015 Lexington Summit Street · $335,000 · 3 bd / 2.5 ba · listed Oct 16, 2026 · listed by Redfin Corporation
- 942 Coquina Rock Street · $337,500 · 3 bd / 2.5 ba · pending · listed Sep 2, 2026 · listed by Keller Williams Advantage 2 Realty
- 12640 Somerset Oaks Street · $325,000 · 3 bd / 2.5 ba · listed Aug 31, 2026 · listed by Watson Realty Corp
Recently sold in Waterford Villas 51 103 Orlando
- 12621 Somerset Oaks Street · sold $290,000
- 13054 Lexington Summit Street · sold $292,000
- 12769 Lexington Summit Street · sold $320,000
Closed sales from the MLS; each page shows the sold price, taxes and value history.
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Orlando guides & data
- Market data
- Cost of living
- Best neighborhoods (ranked by data)
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- Flood zones
- Property taxes (Orange County)
- Homestead exemption (Orange County)
- Home insurance cost
Florida buyer guides
- Florida home insurance rates by county
- Florida property tax by county
- Florida property tax calculator
- What flood zone X means
- The 4-point inspection, explained
- Florida flood insurance calculator
- Florida housing market map
- Interactive housing market map (county, ZIP and community)
- Save Our Homes tax estimator
- How to stop a foreclosure in Florida
- Florida documentary stamp tax, explained
- Cheapest places to live in Florida
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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.
- Lexington Summit Street (54 homes on record)
- Lexington Summit Street (34 homes on record)
- Somerset Oaks Street (23 homes on record)
- Somerset Oaks Street (11 homes on record)
What it really costs to own in Waterford Villas
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 $258/month across 14 MLS listings (most billed quarterly; 2026-11-14). 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 14 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 2004 across 14 listings. An original roof here would be about 22 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report, and for replacement where it fails. |
Email me new listings in Waterford Villas
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 Waterford Villas
Have a question about the homes, fees, rules or commute here? A Momentum agent who works Waterford Villas will answer, and the answer is published on this page for the next buyer.
20% of homes for sale in ZIP 32828 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 (2026-11-14).
WATERFORD VILLAS 51 103 Market Scorecard
WATERFORD VILLAS 51 103 is currently a seller's market. About 3.3 months of supply, a median asking price of $325,000, and homes go under contract in about 28 days.
Typical home value in the 32828 ZIP is $466,963, about 3.6% below the Florida norm (Zillow Home Value Index).
Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.
Live data: Stellar MLS, distributed by MLS GRID, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.
Frequently Asked Questions
What is the median home price in Waterford Villas?
How long do homes in Waterford Villas take to sell?
Is Waterford Villas a buyer's or seller's market right now?
How many homes are in Waterford Villas?
What share of Waterford Villas is owner-occupied?
When were the homes in Waterford Villas built?
Who is the best real estate agent for Waterford Villas?
How do I find a top Orlando real estate agent who knows Waterford Villas?
Can Momentum Realty connect me with an agent for Waterford Villas?
Where is Waterford Villas, and what county is it in?
Is Waterford Villas in a flood zone?
Should you buy in Waterford Villas?
An honest fit check. We will tell you when it is not your community.
Data sources & freshness
| Live listings | Stellar MLS, refreshed twice daily (last: November 12, 2026) |
| Community market stats | Stellar MLS closed sales, 12-month windows ending November 13, 2026 |
| Housing stock & ownership | Florida DOR assessment roll (street-list match (3 streets, ZIP 32828)) |
| Under-contract shares | Stellar MLS records, as of 2026-11-13 |
| Historical depth | Closed-sale records back to 2024 (7 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.
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See how Waterford Villas 51 103 fits the bigger picture — live prices, inventory, and Momentum Scores: