The story of this market
The typical home in ZIP 34786 sells for about $756,275, or $297 per square foot.
Prices are down 10.6% from a year ago, which gives buyers more room to negotiate. Homes take about 34 days to sell. HUD's fair market rent for a two-bedroom is $2,318 a month.
ZIP 34786 — Windermere
The 34786 housing market is currently experiencing a correction, with median sale prices down 10.6% year-over-year to $756,275. Despite this price dip, the market remains competitive with a 34-day median time on market, driven by high demand for premium waterfront properties and top-rated school zones. Inventory levels have increased, providing buyers with more options than in previous years.
This ZIP is best suited for affluent family buyers and professionals seeking luxury, large-lot single-family homes in a highly regarded school district with access to premium waterfront amenities.
Median prices moved down 10.6% year over year.
Homes spend a median of 34 days on market with 0.0 months of supply — a fast-moving market.
0% of listings have cut prices · homes sell at 0% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.1% · poverty 5.5% — a stable, low-distress profile.
Built from 1,026 recorded sales in the last 24 months against HUD 3-bedroom fair market rents. The location premium is the part of the price that rent, income, education, employment, vacancy, price trend, hazard, lending and flood risk don't explain. It usually reflects amenities, schools and scarcity. It's area context and does not change this ZIP's home value estimates.
versus the prior ACS vintage
ZCTA 34786, Orange County FL
School zones are a primary driver of property value in this ZIP, with Windermere High School and local elementary schools serving as key neighborhood anchors.
The area is characterized by significant waterfront exposure on the Butler Chain of Lakes, which influences insurance risk and property valuation.
The area is experiencing steady residential development with a focus on premium, large-lot single-family estates and luxury communities.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Florida) — Statewide Uniform Property Tax Lien Priority & Tax Deed Sale Enforcement: Unpaid real ad valorem and non-ad valorem taxes become a first-priority sovereign lien on January 1 of the tax year, superior to all mortgages and private liens. If unpaid by April 1 following the tax year, tax certificates are sold via competitive bidding under § 197.432. State (Florida) — Community Development District (CDD) Special Assessment & Financing Lien Mandate: Binds the parcel to non-ad valorem assessments levied directly by the CDD board to fund infrastructure bonds (capital assessments) and operations/maintenance (O&M assessments). State (Florida) — Florida Constitutional Homestead Exemption & Save Our Homes (SOH) Assessment Cap: Reduces taxable value by up to $50,000: base $25,000 exemption applies to all taxing authorities (including school districts); second $25,000 exemption applies to assessed value between $50,000 and $75,000 for non-school millage. State (Florida) — Florida Ad Valorem Real Property Assessment & Tax Mechanics: Parcels are assessed annually at 100% just value (market value) as of January 1 by county property appraisers. Tax formula: Tax Bill = (Taxable Value / 1,000) * Total Levied Millage Rate. Assessed Value = Just Value - Assessment Limitations.
Residents primarily commute to the Greater Orlando employment core via regional highway corridors.
The area is defined by the Butler Chain of Lakes, offering extensive boating, fishing, and waterfront recreation, alongside numerous local parks and golf courses.
The rental market is characterized by high-end single-family home leasing, with limited inventory and strong demand for luxury properties.
The local economy is heavily influenced by the broader Orlando-Kissimmee-Sanford metro area, with a mix of tourism, professional services, and high-end residential development.
Transportation is primarily automobile-dependent, relying on regional highway networks to connect to the Orlando metropolitan area.
Development is focused on the expansion of luxury residential communities and the maintenance of existing high-value estates.
The Orange County Property Appraiser manages assessments for all parcels within the county.
Parcels are subject to various special districts, including school, utility, and potential community development districts (CDDs) common in Florida residential master-planned communities.
Property insurance premiums are influenced by regional hazard exposure and the high value of waterfront assets.
Data sourced from Census Reporter and Point2Homes profiles.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- Universal Studios Florida4.74.9 mi
- Walt Disney World® Resort4.78 mi
- Magic Kingdom Park4.65.4 mi
- Epcot4.78 mi
- SeaWorld Orlando4.47.7 mi
- Kia Center4.610.5 mi
- Orange County Convention Center4.56.7 mi
- Camping World Stadium4.39.4 mi
- Westgate Lakes Resort & Spa4.36.3 mi
- Rosen Shingle Creek4.68.3 mi
- Disney Springs4.78.6 mi
- Universal Studios Florida4.74.9 mi
- Magic Kingdom Park4.65.4 mi
- Epcot4.78 mi
- SeaWorld Orlando4.47.7 mi
- Orlando Science Center4.612.3 mi
- Crayola Experience Orlando4.410.1 mi
- Dezerland Park Orlando4.56.3 mi
- Harry P Leu Gardens4.712.8 mi
- Titanic: The Artifact Exhibition4.55.3 mi
- Gatorland4.712.9 mi
- Lake Eola Park4.711.4 mi
- Lake Apopka Wildlife Drive4.812.3 mi
- Harry P Leu Gardens4.712.8 mi
- Lake Louisa State Park4.712.1 mi
- Fort Wilderness Marina4.85.5 mi
- ADA Travels Agencia de Viajes en Orlando Florida4.94.8 mi
- Topgolf Orlando4.56.4 mi
- Evermore Orlando Resort4.66.1 mi
- Orange County National Golf Center and Lodge4.45.9 mi
- Shingle Creek Golf Club4.58.2 mi
- Dubsdread Golf Course4.611.7 mi
- Disney Springs4.78.6 mi
- The Florida Mall4.59.8 mi
- Orlando Vineland Premium Outlets4.58 mi
- Orlando International Premium Outlets4.66 mi
- The Mall at Millenia4.67.2 mi
- Orlando International Airport4.115.2 mi
- Orlando Sanford International Airport4.227.4 mi
- The Club MCO Terminal A4.414.8 mi
- Napoli Italian Pizzeria4.714.4 mi
- Jones Brothers Air & Seaplane Adventures4.923.9 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.
A premier chain of lakes known for boating, fishing, and high-end waterfront real estate.
Key-figure check: median price corroborated by the published ten-year series (2025) (within 12.5%).