9803 AMBER CHESTNUT WAY, WINTER GARDEN, FL, 34787
Active179 days on marketListed Feb 7, 2026MLS #S5142809
About this home
9803 AMBER CHESTNUT WAY
Welcome to your new townhome in the always desirable Watermark Terrace community in Winter garden FL! Built in 2019 the two story property stuns upon entry with its open floor plan, double height and beautiful and unique style that was meticulously selected by the owners when they had it built. Enjoy fireworks from the clubhouse viewing deck, a few sets of tennis or a summer afternoon at the community's resort-style swimming pool. Schedule your showing today!!!!
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
2,303
Sqft
0.07 ac
Lot size
2
Garage
2018
Year built
Two
Levels
$230
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.
$4,364 /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
$4,364/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.
$/sqft vs Winter Garden actives
$230 vs $261
Days on market
179 vs 38 typical
Where $230/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 F
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 F — neighborhood snapshot
Population
8,788
Median age
37
Median income
$130,745
Median home value
$496,000
Avg household
3
Households w/ children
1,130
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)
170 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 1% 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 9803 AMBER CHESTNUT WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$415,000
9652 AMBER CHESTNUT WAY · same community
4 bd · 2.5 ba · 1,948 sqft · $213/sqft · 37 DOM
Sold · Feb ’26$435,000
9736 AMBER CHESTNUT WAY · same community
4 bd · 2.5 ba · 1,937 sqft · $225/sqft · 91 DOM
Sold · Feb ’26$406,500
9591 AMBER CHESTNUT WAY · same community
3 bd · 2.5 ba · 1,789 sqft · $227/sqft · 215 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 9803 AMBER CHESTNUT WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 9803 AMBER CHESTNUT 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
9803 AMBER CHESTNUT WAY FAQs
What would the monthly payment be for 9803 AMBER CHESTNUT WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,364/mo — principal and interest, the actual property-tax bill, the $245/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 9803 AMBER CHESTNUT WAY?+
The association fee works out to $245 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 9803 AMBER CHESTNUT WAY?+
The most recent tax bill on record (2024) was $7,328. 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 9803 AMBER CHESTNUT WAY?+
The listing reports pets: Cats OK, Dogs OK. 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 $529,000, this home is listed about 10% below the Winter Garden median of $589,000. The market section on this page shows how the area is trending.
Which schools are assigned to 9803 AMBER CHESTNUT WAY?+
Horizon High School (high), Water Spring Middle School (middle), Panther Lake Elementary (elementary) — Orange County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Time on market is leverage
179 days on market against a Winter Garden median of 38 — sellers in this position are usually ready to negotiate.
02Strong assigned schools
Horizon High School, Water Spring Middle School, Panther Lake Elementary — Horizon High School rates 4 of 5. Always verify assignments with the district.
03The price has already moved
Listed at $545,000, now $529,000 — a $16K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of NAIM REAL ESTATE LLC · Samir Naim. MLS #S5142809.
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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