12597 ENCORE AT OVATION WAY, WINTER GARDEN, FL, 34787
Active85 days on marketListed May 17, 2026MLS #O6407413
About this home
12597 ENCORE AT OVATION WAY
Freshly painted interior throughout. Brand-new carpet installed in the second-floor loft and primary bedroom. Welcome to 12597 Encore at Ovation Way in the highly desirable Winter Garden area! This beautifully designed home is located in a sought-after gas community and offers a modern open-concept layout perfect for everyday living and entertaining. Enjoy easy maintenance and a stylish look with no carpet throughout the main living areas. The spacious kitchen features upgraded finishes, ample cabinetry, and a large island overlooking the living and dining spaces. Conveniently situated near shopping, dining, major highways, and Disney attractions, this home is also zoned for highly rated schools, making it an excellent choice for both homeowners and investors alike. Experience comfort, convenience, and one of the best locations Winter Garden has to offer!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,322
Sqft
0.08 ac
Lot size
2
Garage
2022
Year built
Two
Levels
$200
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.
$4,025 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$4,025/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−19.1%
$/sqft vs Winter Garden actives
$200 vs $261
Days on market
85 vs 40 typical
Where $200/sqft sits among the 400 Winter Garden 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 Village I
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Garden. See the full Winter Garden guide →
Village I — neighborhood snapshot
Population
1,534
Median age
37
Median income
$130,745
Median home value
$496,000
Avg household
3
Households w/ children
225
For the school run
Orange County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Garden market
$585K → $620K
Winter Garden median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
174 of 400
Winter Garden actives have cut their price
Median sold price, Winter Garden, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% below the WINTER GARDEN 34787 median. See the full Winter Garden market guide →
Paper trail
This home's history
Reality check
What actually sold near 12597 ENCORE AT OVATION WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$640,000
12114 STONELEIGH ALLEY · same community
4 bd · 3.5 ba · 2,789 sqft · $229/sqft · 9 DOM
Sold · Mar ’26$435,000
17087 WYNFORD LANE · same community
3 bd · 2.5 ba · 1,774 sqft · $245/sqft · 326 DOM
Sold · Aug ’25$420,000
12009 WALMSLEY ALLEY · same community
3 bd · 2 ba · 1,604 sqft · $262/sqft · 72 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12597 ENCORE AT OVATION WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12597 ENCORE AT OVATION WAY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
12597 ENCORE AT OVATION WAY FAQs
What would the monthly payment be for 12597 ENCORE AT OVATION WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,025/mo — principal and interest, the actual property-tax bill, the $225/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 12597 ENCORE AT OVATION WAY?+
The association fee works out to $225 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12597 ENCORE AT OVATION WAY?+
The most recent tax bill on record (2025) was $8,365. 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 12597 ENCORE AT OVATION WAY?+
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 Winter Garden?+
At $465,000, this home is listed about 20% below the Winter Garden median of $584,000. The market section on this page shows how the area is trending.
Which schools are assigned to 12597 ENCORE AT OVATION WAY?+
Water Spring Elementary (elementary), Horizon High School (high), Water Spring Middle School (middle) — Orange County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the WINTER GARDEN 34787 market on paper
$465,000 is 12% below the WINTER GARDEN 34787 median of $530,000, and at $200/sqft it sits under the Winter Garden average of $279.
02Time on market is leverage
85 days on market against a Winter Garden median of 40 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Water Spring Elementary, Horizon High School, Water Spring Middle School — Horizon High School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $520,000, now $465,000 — a $55K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of INTEREALTY SERVICE · Emma Yue. MLS #O6407413.
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.
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