9969 LOST CREEK DRIVE, WINTER GARDEN, FL, 34787
Active42 days on marketListed Jun 25, 2026MLS #O6419414
About this home
9969 LOST CREEK DRIVE
Virtually Staged. Wake up to WATERFRONT SUNRISES, unwind beside your RESORT-STYLE POOL & SPA, and enjoy DISNEY FIREWORKS from your backyard every night. Situated on an OVERSIZED LAKEFRONT LOT spanning more than 1/3 ACRE with over 250 FEET OF DEPTH, this stunning 5 BEDROOM, 3.5 BATHROOM home offers the perfect blend of luxury, privacy, and lifestyle. The highly desirable NORTH HAVEN FLOOR PLAN features WOOD-LOOK TILE FLOORING, WROUGHT IRON STAIR RAILINGS, SMART HOME TECHNOLOGY, and a spacious OPEN-CONCEPT DESIGN. The GOURMET KITCHEN is appointed with QUARTZ COUNTERTOPS, UPGRADED CABINETRY WITH CROWN MOLDING, STAINLESS STEEL APPLIANCES, SUBWAY TILE BACKSPLASH, WALK-IN PANTRY, and a LARGE CENTER ISLAND perfect for entertaining. The PRIMARY SUITE is a private retreat featuring FRENCH DOORS TO THE LANAI, an OVERSIZED WALK-IN CLOSET, and beautiful WATER VIEWS. Upstairs, the expansive LOFT provides flexible space for a MEDIA ROOM, GAME ROOM, or HOME OFFICE. Step outside to your private backyard oasis featuring a HEATED POOL, OVERSIZED SPA, WATERFALLS, SUN SHELF, SALTWATER SYSTEM, PANORAMIC SCREEN ENCLOSURE, EXTENDED PAVER DECK, and PROFESSIONAL LANDSCAPING. Additional upgrades include FULLY PAID SOLAR PANELS, NEW AC COILS, SMART LIGHTING, LEVEL 2 EV CHARGER, and a 3-CAR GARAGE. As an added bonus, HOA guidelines allow for the ability to BUILD A PRIVATE DOCK, creating a rare opportunity to further enhance your LAKEFRONT LIFESTYLE. Located directly across from the future 5-acre community park, planned to feature playgrounds, basketball courts, walking trails, picnic pavilions, open green space, and recreational amenities, this home offers an exciting lifestyle enhancement just steps away. Another unique benefit is that all school pickup and drop-off traffic is routed through Atwater Bay Drive rather than directly in front of the home, helping maintain a quieter, more peaceful streetscape during school hours. Conveniently located near TOP-RATED SCHOOLS, SHOPPING, DINING, DISNEY, and major highways, this exceptional home offers luxury living at its finest.
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,910
Sqft
0.37 ac
Lot size
3
Garage
2021
Year built
Two
Levels
$320
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.
$8,668 /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
$8,668/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
+6.9%
$/sqft vs WATERLEIGH PH 3B 3C & 3D
$320 vs $261
Days on market
42 vs 37 typical
Where $320/sqft sits among the 7 homes for sale in WATERLEIGH PH 3B 3C & 3D
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 Hickory Hut
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Garden. See the full Winter Garden guide →
Hickory Hut — neighborhood snapshot
Population
5,306
Median age
38
Median income
$152,813
Median home value
$545,824
Avg household
3
Households w/ children
664
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 → $611K
Winter Garden median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
4 of 7
WATERLEIGH PH 3B 3C & 3D have cut their price
Median sold price, Winter Garden, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 133% above the WINTER GARDEN 34787 median. See the full Winter Garden market guide →
Paper trail
This home's history
Reality check
What actually sold near 9969 LOST CREEK DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$1,120,000
8906 SONOMA COAST DRIVE · same community
4 bd · 4.5 ba · 3,426 sqft · $327/sqft · 3 DOM
Sold · Jan ’26$749,000
15641 SHORE WALK DRIVE · same community
4 bd · 3.5 ba · 3,267 sqft · $229/sqft · 152 DOM
Sold · Jun ’26$940,000
8911 SONOMA COAST DRIVE · same community
5 bd · 4.5 ba · 3,227 sqft · $291/sqft · 3 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 9969 LOST CREEK DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9969 LOST CREEK DRIVE — 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
9969 LOST CREEK DRIVE FAQs
What would the monthly payment be for 9969 LOST CREEK DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,668/mo — principal and interest, the actual property-tax bill, the $271/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 9969 LOST CREEK DRIVE?+
The association fee works out to $271 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9969 LOST CREEK DRIVE?+
The most recent tax bill on record (2025) was $12,281. 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 9969 LOST CREEK DRIVE?+
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 $1,249,900, this home is listed about 112% above the Winter Garden median of $589,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9969 LOST CREEK DRIVE?+
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
01Positioned at the premium end
$1,249,900 runs 133% above the WINTER GARDEN 34787 median — but at 3,910 sqft it's also nearly twice the size of the typical Winter Garden 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
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 $1,299,900, now $1,249,900 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Sabrina Freeman. MLS #O6419414.
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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