11854 VIA LUCERNA CIRCLE, WINDERMERE, FL, 34786
Active2 days on marketListed Aug 6, 2026MLS #O6431329
About this home
11854 VIA LUCERNA CIRCLE
Welcome to this 4-bedroom, 3.5-bath plus loft residence in the gated community of Belmere Village. Offering 2,837 square feet of thoughtfully designed living space, this home features soaring ceilings, abundant natural light, and a functional floor plan ideal for both everyday living and entertaining. The spacious kitchen is equipped with granite countertops, stainless steel appliances, and a center island. The private primary suite offers a bathtub and a separate walk-in shower. A secondary bedroom includes its own en-suite bath, creating the perfect setup for guests or multigenerational living. Step outside to a covered patio, providing the perfect space to enjoy your morning coffee, dine outdoors, or entertain year-round. Belmere Village residents enjoy resort-style amenities including a community pool, clubhouse, fitness center, and tennis courts. Ideally located near top-rated schools, shopping, dining, and major roadways, with Disney just 34 minutes away and Universal Epic Universe approximately 26 minutes away. This move-in-ready home offers the perfect combination of comfort, convenience, and location.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,837
Sqft
0.15 ac
Lot size
2
Garage
2005
Year built
Two
Levels
$220
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,648 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,648/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−14.2%
$/sqft vs Windermere actives
$220 vs $341
Days on market
2 vs 46 typical
Where $220/sqft sits among the 236 Windermere actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Belmere
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Windermere. See the full Windermere guide →
Belmere — neighborhood snapshot
Population
1,288
Median age
46
Median income
$113,300
Median home value
$767,100
Avg household
3
Households w/ children
205
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Windermere market
$875K → $975K
Windermere median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
113 of 236
Windermere actives have cut their price
Median sold price, Windermere, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 17% below the WINDERMERE 34786 median. See the full Windermere market guide →
Paper trail
This home's history
Reality check
What actually sold near 11854 VIA LUCERNA CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$580,000
11520 VIA LUCERNA CIRCLE · same community
4 bd · 2 ba · 2,505 sqft · $232/sqft · 0 DOM
Sold · May ’26$575,000
11531 VICOLO LOOP · same community
4 bd · 2 ba · 2,280 sqft · $252/sqft · 35 DOM
Sold · Feb ’26$960,000
11550 DELWICK DRIVE
5 bd · 3 ba · 2,843 sqft · $338/sqft · 6 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Arlinda Gokyar
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 11854 VIA LUCERNA CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11854 VIA LUCERNA CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Arlinda's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
11854 VIA LUCERNA CIRCLE FAQs
What would the monthly payment be for 11854 VIA LUCERNA CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,648/mo — principal and interest, the actual property-tax bill, the $140/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 11854 VIA LUCERNA CIRCLE?+
The association fee works out to $140 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 11854 VIA LUCERNA CIRCLE?+
The most recent tax bill on record (2025) was $8,892. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 11854 VIA LUCERNA CIRCLE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Windermere?+
At $625,000, this home is listed about 42% below the Windermere median of $1,080,000. The market section on this page shows how the area is trending.
Which schools are assigned to 11854 VIA LUCERNA CIRCLE?+
Lake Whitney Elementary (elementary), West Orange High (high), Sunridge Middle (middle) — Orange County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the WINDERMERE 34786 market on paper
$625,000 is 17% below the WINDERMERE 34786 median of $749,000, and at $220/sqft it sits under the Windermere average of $454.
02Fresh on the market
Only 2 days on market in a Windermere market that averages 46 — if it fits, move quickly.
03Strong assigned schools
Lake Whitney Elementary, West Orange High, Sunridge Middle — Lake Whitney Elementary rates 5 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of CORCORAN PREMIER REALTY · Matt Tomaszewski. MLS #O6431329.
IDX 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 accurate by Stellar MLS.
Never miss a listing
New Windermere homes, in your inbox
Like 11854 VIA LUCERNA CIRCLE but not quite? A daily digest of every new listing in Windermere — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Arlinda to ping you on any price or status change →