Steeve Cadeau
$10,200,0006 bd8.5 ba6,457 sqft$1,580 /sqft$60,590 /mo all-in ↓

728 FOREST STREET, WINDERMERE, FL, 34786

Active50 days on marketListed Jun 4, 2026MLS #O6411906

New constructionWaterfrontPrivate poolSingle Family ResidenceWINDERMERE TOWN

About this home

728 FOREST STREET

An extraordinary brand-new contemporary lakefront estate on prestigious LAKE BUTLER, part of the renowned Butler Chain of Lakes, offering an exceptional blend of architectural sophistication, modern luxury, and unparalleled waterfront living. Situated on approximately 0.83 acres with 114 feet of pristine lake frontage, this remarkable residence was designed to capture breathtaking panoramic water views, spectacular sunrises, and unforgettable sunsets from nearly every major living space. Encompassing 6,457 square feet of heated living area, the home seamlessly integrates architecture and landscape through expansive walls of glass, soaring ceilings, refined finishes, and an abundance of natural light. Every space was carefully oriented to maximize the connection between the interior and the surrounding waterfront setting. The designer chef’s kitchen showcases premium Sub-Zero and Wolf appliances, custom European cabinetry, an oversized waterfall island, Italian marble accents, and contemporary finishes, making it both a stunning focal point and an ideal space for entertaining. Designed for flexibility and comfort, the residence features six private bedroom suites, including two luxurious primary suites—one conveniently located on the main level and another on the second floor. Both primary retreats offer spa-inspired bathrooms with elevated finishes, expansive custom closets, premium TOTO fixtures, and living spaces that blend comfort and sophistication. The home also includes eight full bathrooms, one half bath, a dedicated wine room with elegant Italian marble detailing, wide-plank engineered hardwood flooring throughout, designer lighting, dual laundry rooms, a natural gas fireplace, and fully integrated Control4 smart home automation. Control4 home automation allows seamless control of lighting, audio, security cameras, pool equipment, and HVAC systems, creating a connected living experience. Outdoor living is equally impressive, featuring expansive covered lanais, a summer kitchen, saltwater pool and spa, and a private two-level covered dock equipped with water, electricity, and a boat lift. Designed for the ultimate waterfront lifestyle, the dock accommodates a 25-foot boat and two jet skis while providing direct access to the Butler Chain of Lakes, one of Central Florida’s most sought-after boating destinations. Constructed with exceptional attention to detail, the residence features concrete block construction on the main level, metal-frame construction on the second floor, DensGlass exterior sheathing for enhanced durability and weather resistance, energy-efficient TPO roofing, advanced spray foam insulation, four Daikin variable-speed HVAC systems with a combined 20-ton capacity, and natural gas tankless water heaters with recirculation technology. The garage is also equipped with dual 220V outlets for future EV charging capability. Located within the historic Town of Windermere, residents enjoy a unique golf-cart-friendly lifestyle with access to community parks, tennis courts, playgrounds, private lake amenities, and charming tree-lined streets, and the added benefit of no HOA, all while being just minutes from Orlando’s finest dining, shopping, world-class golf, and top-rated private schools. A rare offering on Lake Butler, where architectural excellence, luxury finishes, advanced technology, and one of Central Florida’s most coveted waterfront settings come together to create an exceptional living experience.

Facts & features

The home at a glance

6

Bedrooms

8.5

Bathrooms

6,457

Sqft

0.83 ac

Lot size

3

Garage

2026

Year built

Two

Levels

$1,580

Per sqft

Private poolWaterfrontFireplaceWater viewNegotiablePets allowed

Inside

FlooringEngineered Hardwood
AppliancesBar Fridge · Built-In Oven · Convection Oven · Dishwasher · Disposal · Dryer · Exhaust Fan · Freezer · Gas Water Heater · Microwave · Range · Range Hood · Refrigerator · Washer · Water Filtration System · Wine Refrigerator
InteriorBuilt-in Features · Eating Space In Kitchen · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · PrimaryBedroom Upstairs · Smart Home · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingNatural Gas
FurnishedNegotiable

Outside & construction

RoofMembrane · Other
ConstructionBlock · Metal Frame
FoundationSlab
ViewWater
FacesEast
ParkingDriveway · Garage Door Opener
ExteriorIrrigation System · Lighting · Outdoor Kitchen · Sliding Doors

Community & fees

Taxes (2025)$18,799/yr
PetsYes
CommunityCommunity Boat Ramp · Dock · Fishing · Lake · Water Access · Golf Carts OK · Playground · Tennis Court(s)

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Natural Gas Connected · Public · Sprinkler Well
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$60,590 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$55,039
PMI (est., until 20% equity)$3,825
Property tax — 2025 actual bill$1,567
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $1,020,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $1,020,000
Interest rate6.00%
Loan term

Estimated payment

$60,590/mo

Principal & interest$55,039
PMI (est., until 20% equity)$3,825
Property taxes (actual bill)$1,567
Est. insurance$160

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.

$/sqft vs Windermere actives

$1,580 vs $347

Days on market

50 vs 32 typical

Where $1,580/sqft sits among the 245 Windermere actives

166
40
18
10
8
3 · this home
$225–451$451–677$677–902$902–1128$1128–1354$1354+

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 Windermere

Map of 728 FOREST STREET

Drive times from this address

Universal Orlando13 min
Downtown Orlando22 min
Walt Disney World26 min
Orlando Int’l Airport (MCO)34 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Windermere. See the full Windermere guide →

WINDERMERE 34786 — neighborhood snapshot

Population

43,700

Median age

37.9

Median income

$131,409

Median home value

$621,300

Avg household

2.9

Households w/ children

6,277

For the school run

Orange County School District

ElementaryWindermere Elementary★★★★★
HighOlympia High★★★★★
MiddleGotha Middle★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Windermere market

Seller’s marketBalanced5.5 months of inventoryBuyer’s market

$839K$1.0M

Windermere median sold, yr/yr

96.4%

Sale-to-list ratio (12 mo)

118 of 245

Windermere actives have cut their price

Median sold price, Windermere, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 1175% above the WINDERMERE 34786 median. See the full Windermere market guide →

Paper trail

This home's history

Jun 4, 2026Listed at $10,200,000 · 50 days on market since
2026Built · WINDERMERE TOWN

Reality check

What actually sold near 728 FOREST STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

409 W 2ND AVENUESold · Mar ’26

$2,250,000

409 W 2ND AVENUE · same community

5 bd · 4.5 ba · 4,688 sqft · $480/sqft · 270 DOM

1003 OAKDALE STREETSold · Oct ’25

$2,350,000

1003 OAKDALE STREET · same community

6 bd · 5.5 ba · 4,599 sqft · $511/sqft · 234 DOM

1020 OAKDALE STREETSold · Apr ’26

$2,171,470

1020 OAKDALE STREET · same community

5 bd · 4.5 ba · 3,994 sqft · $544/sqft · 107 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.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 728 FOREST STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 728 FOREST STREET — 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.

Goes straight to Steeve’s phone and CRM.

Straight answers

728 FOREST STREET FAQs

What would the monthly payment be for 728 FOREST STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $60,590/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 728 FOREST STREET?+

The most recent tax bill on record (2025) was $18,799. 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 728 FOREST STREET?+

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 $10,200,000, this home is listed about 828% above the Windermere median of $1,099,500. The market section on this page shows how the area is trending.

Which schools are assigned to 728 FOREST STREET?+

Windermere Elementary (elementary), Olympia High (high), Gotha Middle (middle) — Orange County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$10,200,000 runs 1175% above the WINDERMERE 34786 median — but at 6,457 sqft it's also nearly twice the size of the typical Windermere listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Strong assigned schools

Windermere Elementary, Olympia High, Gotha Middle — Windermere Elementary rates 5 of 5. Always verify assignments with the district.

Listing courtesy of S2J REALTY, LLC · Soraya Resende. MLS #O6411906.

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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