$1,999,900
SOLD MAY 8, 2025

11954 Provincial Way Windermere, FL 34786

4 Beds
4.5 Baths
4,800 Sq Ft
0.43 Acres

Recently Sold

$417 Per Sq Ft

23 Days on Market

Highlights

  • Boathouse
  • 137 Feet of Lake Waterfront
  • Boat Lift
  • Lake Whitney Elementary School Rated A
  • Dock has access to electricity
  • Fitness Center

About This Home

As of May 2025

On a private lakefront lot, Arthur Rutenberg designed a custom home with an open floor plan. There are four bedrooms in the property, in addition to an office, a game room, and a bonus room on the upper level that can be used as a fifth bedroom as well as a second office off the master bedroom that has direct access to the exterior. A professional gourmet kitchen with 42-inch custom cabinetry, granite countertops, GE Monogram appliances including a Wolf five-burner gas range with pot filler, a double oven, a warming drawer, designer vented range hood, and a Sub-Zero refrigerator is available. A wet bar area with a wine cooler is also included along with a tile backsplash, a large walk-in pantry, and a large walk-in pantry. Among the amenities of the kitchen are an oversized island with seating for four, a desk area and a bar with glass cabinets and a wine cooler, as well as an unobstructed view of the lake from the breakfast nook. The family room has a built-in media center showcasing a blend of functionality and style, with custom-built cabinetry, tray ceiling, and two full walls of glass sliders that frame breathtaking views of the lake and provide seamless access to the game room with dark wood beam ceilings, and an expansive window that offers stunning lake views and the outdoor living area with screened lanai which is equipped with a summer kitchen, a pool, spa with a waterfall, and custom lighting. Downstairs, there is a formal living room with crown molding, as well as a downstairs office with wood floors and glass doors for privacy, a primary bathroom with Jacuzzi tub, designer tile shower, a center island with storage, granite countertops, and dual closets with upgraded wood shelving. As part of the owner's suite, there is an adjacent private exercise room, office or it could be used as a nursery with tray ceilings. There have been several improvements made to the property, including two of the three air conditioning units, a recent replacement of the pool pump and heater, replaced two of three air conditioning systems, and two upgraded water heaters, one for the primary bathroom only and the other for the entire residence. There was a new roof installed in May 2009, a central vacuum system is also installed, and the pavers have been resurfaced and sealed. There are also extensive crown moldings throughout the residence, as well as beautiful custom woodwork. The “Reserve at Belmere” is a conveniently located Windermere 24 hour guarded-gated community with clubhouse, fitness center, basketball, tennis, and sand volleyball courts, playground and community gazebo where you can enjoy breathtaking sunsets.

Last Agent to Sell the Property

Brigitte Elzarki

COLDWELL BANKER REALTY Brokerage Phone: 407-352-1040 License #624941 Listed on: 03/24/2025

COLDWELL BANKER REALTY

Last Buyer's Agent

Alejandro Quiel, Jr

PREMIER SOTHEBYS INT'L REALTY License #3282415

PREMIER SOTHEBYS INT'L REALTY

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $17,083

Year Built

  • Built in 2005

Lot Details

  • 0.43 Acre Lot
  • 137 Feet of Lake Waterfront
  • Lake Front
  • Cul-De-Sac
  • Street terminates at a dead end
  • South Facing Home
  • Mature Landscaping
  • Private Lot
  • Irrigation Equipment
  • Oak Trees
  • Garden
  • Property is zoned P-D

HOA Fees

  • $232 Monthly HOA Fees

Parking

  • 3 Car Attached Garage
  • Side Facing Garage
  • Garage Door Opener
  • Guest Parking
  • Off-Street Parking

Property Views

  • Lake
  • Pool

Home Design

  • Mediterranean Architecture
  • Slab Foundation
  • Tile Roof
  • Block Exterior
  • Stucco

Interior Spaces

  • 4,800 Sq Ft Home
  • 2-Story Property
  • Open Floorplan
  • Built-In Features
  • Built-In Desk
  • Shelving
  • Bar Fridge
  • Bar
  • Crown Molding
  • Coffered Ceiling
  • Tray Ceiling
  • Cathedral Ceiling
  • Ceiling Fan
  • Shutters
  • Sliding Doors
  • Family Room Off Kitchen
  • Formal Dining Room
  • Home Office
  • Bonus Room
  • Game Room
  • Inside Utility
  • Attic

Kitchen

  • Eat-In Kitchen
  • Breakfast Bar
  • Dinette
  • Walk-In Pantry
  • Built-In Oven
  • Indoor Grill
  • Cooktop with Range Hood
  • Microwave
  • Dishwasher
  • Wine Refrigerator
  • Granite Countertops
  • Solid Wood Cabinet
  • Disposal

Flooring

  • Wood
  • Brick
  • Carpet
  • Marble
  • Ceramic Tile

Bedrooms and Bathrooms

  • 4 Bedrooms
  • Primary Bedroom on Main
  • Split Bedroom Floorplan
  • Studio bedroom
  • En-Suite Bathroom
  • Walk-In Closet
  • Jack-and-Jill Bathroom
  • Makeup or Vanity Space
  • Split Vanities
  • Bathtub With Separate Shower Stall
  • Garden Bath
  • Multiple Shower Heads

Laundry

  • Laundry Room
  • Dryer
  • Washer

Home Security

  • Security System Owned
  • Fire and Smoke Detector

Pool

  • Screened Pool
  • Heated In Ground Pool
  • Heated Spa
  • In Ground Spa
  • Gunite Pool
  • Fence Around Pool
  • Pool Tile
  • Pool Lighting

Outdoor Features

  • Access To Lake
  • Water Skiing Allowed
  • Boat Lift
  • Boathouse
  • Dock has access to electricity
  • Covered Dock
  • Enclosed Patio or Porch
  • Outdoor Kitchen
  • Exterior Lighting
  • Outdoor Grill
  • Private Mailbox

Schools

  • Lake Whitney Elementary School
  • Sunridge Middle School
  • West Orange High School

Utilities

  • Forced Air Zoned Heating and Cooling System
  • Vented Exhaust Fan
  • Heat Pump System
  • Thermostat
  • Underground Utilities
  • Natural Gas Connected
  • Tankless Water Heater
  • Gas Water Heater
  • Cable TV Available

Listing and Financial Details

Community Details

Overview

  • Association fees include private road, recreational facilities, security
  • Carlos Borrero Association, Phone Number (352) 243-4595
  • Built by Arthur Rutenberg
  • Reserve At Belmere Subdivision
  • Association Owns Recreation Facilities
  • The community has rules related to deed restrictions

Amenities

  • Clubhouse

Recreation

  • Tennis Courts
  • Community Basketball Court
  • Pickleball Courts
  • Recreation Facilities
  • Community Playground
  • Fitness Center
  • Park

Security

  • Security Guard
  • Gated Community

Home Details

Home Type

Single Family

Est. Annual Taxes

$17,083

Year Built

Built in 2005

Lot Details

0

HOA Fees

$232 per month

Parking

3

Listing Details

  • HOA Fee Includes: Private Road, Recreational Facilities, Security
  • Property Type: Residential
  • Property Condition: Completed
  • Property Sub Type: Single Family Residence
  • Architectural Style: Mediterranean
  • Construction Materials: Block, Stucco
  • Fireplace: No
  • Living Area: 4800
  • Lot Size Acres: 0.43
  • New Construction: No
  • Year Built: 2005
  • Building Area Total: 6123
  • Lot Size Sq Ft: 18594
  • Status: Sold
  • Ownership: Fee Simple
  • ResoBuildingAreaSource: Owner
  • Building Area Total Srch Sq M: 568.85
  • Escrow City: Orlando
  • Escrow State: FL
  • Escrow Street Name: Sand Lake Rd
  • Minimum Lease: 8-12 Months
  • Number Of Pets: 2
  • RATIO Current Price By Calculate: 416.65
  • Total Acreage: 1/4 to less than 1/2
  • Water Access YN: 1
  • MFR_InLawSuiteYN: 0
  • MFR_DockDescription: Dock - Covered,Dock w/Electric,Lift
  • MFR_DockYN: 1
  • MFR_CommunityAssociationWaterFeatures: Dock,Fishing,Lake,Waterfront
  • Attribution Contact: 407-352-1040
  • Tax Year: 2024
  • Special Features: None

Interior Features

  • Living Area Units: Square Feet
  • Flooring: Carpet, Ceramic Tile, Marble, Wood
  • Full Bathrooms: 4
  • Half Bathrooms: 1
  • Interior Amenities: Built-in Features, Cathedral Ceiling(s), Ceiling Fans(s), Central Vaccum, Coffered Ceiling(s), Crown Molding, Eat-in Kitchen, High Ceilings, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Solid Surface Counters, Solid Wood Cabinets, Split Bedroom, Stone Counters, Thermostat, Tray Ceiling(s), Walk-In Closet(s)
  • Appliances Included: Bar Fridge, Built-In Oven, Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Gas Water Heater, Indoor Grill, Microwave, Range, Range Hood, Refrigerator, Tankless Water Heater, Washer, Wine Refrigerator
  • Foundation Details: Slab
  • Total Bedrooms: 4
  • Levels: Two
  • Other Equipment: Irrigation Equipment
  • Spa Features: Heated, In Ground
  • Spa Yn: Yes
  • Stories: 2
  • Window Features: Shutters, Window Treatments
  • ResoLivingAreaSource: Owner
  • Additional Rooms: Attic,Bonus Room,Den/Library/Office,Family Room,Formal Dining Room Separate,Formal Living Room Separate,Inside Utility
  • Living Area Meters: 445.93

Exterior Features

  • Direction Faces: South
  • Other Structures: Outdoor Kitchen
  • Pool Features: Gunite, Heated, In Ground, Lighting, Screen Enclosure, Tile
  • Exterior Features: Garden, Lighting, Outdoor Grill, Outdoor Kitchen, Private Mailbox, Sidewalk, Sliding Doors
  • Roof: Tile
  • Home Warranty: No
  • Pool Private: Yes
  • View: Pool, Water
  • Water Body Name: LAKE WHITNEY
  • Waterfront: Yes
  • Patio and Porch Features: Covered, Enclosed, Porch, Rear Porch, Screened
  • Road Surface Type: Asphalt, Paved
  • Water Access: Lake
  • Water Extras: Boathouse,Lift,Skiing Allowed
  • Water View: Lake
  • Water View YN: 1
  • Waterfront Feet Total: 137
  • Water Frontage Feet Lake: 137
  • Additional Water Information: Lake Whitney is a 40-acre freshwater lake located in Windermere, Florida, within Orange County. It is part of the Cypress Creek and Lake Apopka watersheds. The lake is situated within the gated community of the Reserve at Belmere.

Garage/Parking

  • Attached Garage: Yes
  • Carport Y N: No
  • Garage Spaces: 3
  • Garage Yn: Yes
  • Parking Features: Garage Door Opener, Garage Faces Side, Guest, Off Street

Utilities

  • Utilities: Cable Connected, Electricity Connected, Fire Hydrant, Natural Gas Connected, Public, Sewer Connected, Underground Utilities, Water Connected
  • Cooling: Central Air, Zoned
  • Heating: Central, Heat Pump, Zoned
  • Laundry Features: Gas Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Sewer: Public Sewer
  • Water Source: Canal/Lake For Irrigation, Public

Condo/Co-op/Association

  • Community Features: Association Recreation - Owned, Clubhouse, Deed Restrictions, Fitness Center, Gated Community - Guard, Park, Playground, Sidewalks, Tennis Court(s), Street Lights
  • Association Amenities: Basketball Court, Clubhouse, Fitness Center, Gated, Park, Pickleball Court(s), Playground, Recreation Facilities, Security, Tennis Court(s)
  • Association Fee: 2787.48
  • Association Fee Frequency: Annually
  • Association Name: Carlos Borrero
  • Phone: 3522434595
  • Association: Yes
  • Security: Security System, Security System Owned, Smoke Detector(s)
  • Senior Community: No
  • Association 2 YN: 0
  • Association Approval Required YN: 0
  • Pet Restrictions: Please refer to HOA rules and regulations
  • Association Fee Requirement: Required
  • Association Email: Cborrero@sentrymgt.com
  • Pet Size: Extra Large (101+ Lbs.)

Fee Information

  • Total Annual Fees: 2787.48
  • Total Monthly Fees: 232.29
  • Monthly HOA Amount: 232.29

Schools

  • Elementary School: Lake Whitney Elem
  • High School: West Orange High
  • Middle Or Junior School: SunRidge Middle

Lot Info

  • Zoning: P-D
  • Parcel Number: 31-22-28-7356-01-090
  • Additional Parcels: No
  • Lot Features: Cul-De-Sac, City Limits, Landscaped, Private, Sidewalk, Street Dead-End
  • Property Attached Yn: No
  • Flood Zone Code: X

Building Info

  • Builder Name: Arthur Rutenberg

Rental Info

  • Furnished: Unfurnished
  • Pets Allowed: Cats OK, Dogs OK
  • Lease Restrictions YN: 1
  • Additional Lease Restrictions: Go to HOA docs to confirm

Tax Info

  • Tax Annual Amount: 17083.14
  • Tax Block: A
  • Tax Book Number: 55-9
  • Tax Lot: 9

Multi Family

  • Waterfront Features: Lake Front

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Mar 24, 2025
Closed on
May 8, 2025
Sold by
Tozzi Michael J and Tozzi Patricia H
Bought by
Reeves Robert and Reeves Sandra
Seller's Agent
Brigitte Elzarki
COLDWELL BANKER REALTY
Buyer's Agent
Alejandro Quiel, Jr
PREMIER SOTHEBYS INT'L REALTY
List Price
$1,999,900
Sold Price
$1,999,900
Views
313
Current Estimated Value
$1,956,471

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$43,429
Avg. Annual Appreciation
-3.04%

Purchase Details

Listed on
Feb 19, 2014
Closed on
May 12, 2014
Sold by
Williams Darrand C and Williams Sharon E
Bought by
Tozzi Michael J and Tozzi Patricia H
Seller's Agent
Keith Gordon
GETMOREOFFERS
Buyer's Agent
Keith Gordon
GETMOREOFFERS
List Price
$1,250,000
Sold Price
$1,100,000
Premium/Discount to List
-$150,000
-12%

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Avg. Annual Appreciation
5.59%
Original Mortgage
$328,500
Interest Rate
4.37%
Mortgage Type
Credit Line Revolving

Purchase Details

Closed on
Dec 3, 2012
Sold by
Williams Darand and Williams Sharon
Bought by
Williams Darand C and Williams Sharon E

Purchase Details

Closed on
Jun 4, 2004
Sold by
Maguire Road Property Ltd
Bought by
Williams Darrand and Williams Sharon

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$487,500
Interest Rate
6.09%
Mortgage Type
Purchase Money Mortgage
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $1,999,900 Sunbelt Title Agency
Warranty Deed $1,100,000 Frontier National Title Llc
Interfamily Deed Transfer -- Attorney
Corporate Deed $241,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Previous Owner $328,500 Credit Line Revolving
Previous Owner $417,000 New Conventional
Previous Owner $487,500 Purchase Money Mortgage
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft Prior Sale
05/08/2025 05/08/25 Sold $1,999,900 0.0% $417 / Sq Ft
04/16/2025 04/16/25 Pending -- -- --
04/05/2025 04/05/25 For Sale $1,999,900 0.0% $417 / Sq Ft
04/02/2025 04/02/25 Pending -- -- --
03/24/2025 03/24/25 Price Changed $1,999,900 -90.0% $417 / Sq Ft
03/24/2025 03/24/25 For Sale $19,999,900 +1718.2% $4,167 / Sq Ft
08/14/2014 08/14/14 Off Market $1,100,000 -- --
05/16/2014 05/16/14 Sold $1,100,000 -12.0% $241 / Sq Ft View Prior Sale
04/08/2014 04/08/14 Pending -- -- --
02/19/2014 02/19/14 For Sale $1,250,000 -- $273 / Sq Ft
Source: Stellar MLS

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $17,083 $1,364,190 $330,000 $1,034,190
2024 $15,923 $1,110,390 -- --
2023 $15,923 $1,047,666 $0 $0
2022 $15,460 $1,017,151 $0 $0
2021 $15,280 $987,525 $290,000 $697,525
2020 $14,872 $993,243 $290,000 $703,243
2019 $15,747 $994,174 $0 $0
2018 $15,639 $975,637 $0 $0
2017 $15,473 $966,937 $290,000 $676,937
2016 $15,455 $949,161 $290,000 $659,161
2015 $15,734 $929,410 $270,000 $659,410
2014 $15,680 $871,851 $260,000 $611,851
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Stellar MLS

MLS Number: O6292687

Stellar MLS

APN: 31-2228-7356-01-090