Licensed Florida Real Estate BrokerageIntegrated Closing ServicesMLS AccessBuy With or Without an Agent

List Price

$1,500,000

261 Zachary Wade, Winter Garden, FL 34787

43 days on market

Estimated Payment

$10,685/mo

20% down and current market rates

Bedrooms4 bdBathrooms4 baLiving area3,728 Square FeetYear builtBuilt 2005

Listed by

Michael Kushner

BALDWIN PARK REALTY LLC

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Few homes make an entrance like this one: renovated, lakefront and minutes from downtown! Welcome to this exquisitely updated 4-bedroom, 3.5-bath pool home with 90 feet of frontage on Lake Apopka, the fourth-largest lake in Florida, in the gated, golf-cart-friendly community of Lakeview Reserve. Expansive open-water views, streaming natural light and a beautifully reimagined interior create an unforgettable first impression. LOCATION: Just 2 miles to historic Downtown Winter Garden, reachable by golf cart, with Plant Street's restaurants, boutiques, events and the famous Saturday Farmers Market. The West Orange Trail is right outside the community gate, six highly rated golf clubs are within a 5-mile radius, and top-rated elementary and middle schools are less than a mile away. Enjoy easy access to shopping, Florida's Turnpike, downtown Orlando and the theme parks. RENOVATION: An extensive whole-home renovation brings a polished contemporary feel, with large-format porcelain tile, fresh paint and striking new lighting. The living room's panoramic water views anchor an open-concept layout that flows into the oversized dining room and kitchen. The completely renovated kitchen features high-gloss white flat-panel cabinetry, frosted glass accents, quartz countertops, a full-height quartz backsplash, an oversized waterfall island, stainless steel appliances, abundant storage and a built-in bar with wine storage. Every bathroom is beautifully remodeled, and each has a window and exhaust fan. The first floor hosts the primary suite plus two additional bedrooms, all with 11-ft ceilings, and every bedroom in the home enjoys a lake view. The primary suite offers real hardwood floors, two walk-in closets and a private screened porch overlooking the lake. Its spa-inspired bathroom includes dual vessel sinks, a makeup area, jetted soaking tub and glass-enclosed shower with rainfall and body spray fixtures. A first-floor office or den adds a quiet place to work. Upstairs, real hardwood continues to an oversized loft/flex space with full bath, walk-in closet and separate HVAC, ideal for guests or entertainment. Two Florida rooms, one on each floor, each with its own mini-split system, offer year-round panoramic lake views. OUTDOORS: A fenced, private backyard opens to sweeping open-water views. The recently resurfaced saltwater pool (new pump and filter 2026) and freshly repainted pool deck lead to a private covered dock with a 5,000-lb electric boat lift, electricity and water. Spend afternoons swimming, boating or fishing, then watch brilliant Florida sunsets from the dock. An extensive driveway and freshly painted two-car garage with built-in storage add everyday convenience. ENERGY EFFICIENT: This solar-powered home also features all new windows (2024), a new main first-floor AC (2026) and mini-split systems in both Florida rooms. The seller currently pays only an approximately $30 monthly grid fee, compared to a previous $500-$600 monthly electric bill. The seller will pay off the solar loan at closing, OR the purchase price may be reduced if the buyer assumes the existing low-interest solar panel loan.

261 Zachary Wade, Winter Garden, FL 34787 in Winter Garden, FL 34787 is listed for $1,500,000. The home has 4 bedrooms, 4 bathrooms, and 3,728 square feet, and was built in 2005. Listed 43 days ago. The listing is held by BALDWIN PARK REALTY LLC.

34787 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$15,019 (tax year 2024)
HOA fee$67 per month

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $300,000

$

$10,685/moest.

  • Principal & Interest 76%
  • Property Taxes 12%
  • Insurance 12%
  • HOA 1%
Principal & Interest
$8,116
Property Taxesfrom listing
$1,252
Insurance
$1,250
HOA
$67

30-year fixed at 7.164%, as of November 10, 2026

Above the $832,750 conforming limit, most lenders ask for 10 to 20 percent down and terms vary. Conforming rate shown; jumbo rates vary.

At 20% down, a loan on this home is jumbo.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

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Frequently Asked Questions

The estimated monthly payment is $10,685, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $15,019 for tax year 2024. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR812730795. HomeJam is not the listing broker.

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