Winter Garden Homes with USDA Loan Financing Available

Winter Garden Homes with USDA Loan Financing Available

Welcome to Winter Garden, Florida—a charming city nestled in the heart of Orange County, just a stone's throw from the vibrant attractions of Orlando. Known for its picturesque landscapes and a warm, inviting community, Winter Garden embodies the perfect blend of small-town charm and modern conveniences. With its historic downtown area lined with quaint shops, delightful restaurants, and a bustling farmers market, residents enjoy a lifestyle that celebrates both community and culture.

One of the most appealing aspects of living in Winter Garden is the accessibility to beautiful outdoor spaces. The West Orange Trail, perfect for biking and walking, winds through the area, offering residents a chance to immerse themselves in nature while enjoying the Florida sunshine. The city is also home to an array of parks and recreational facilities, making it an ideal location for families and outdoor enthusiasts.

For those looking to settle down in this idyllic city, Winter Garden offers homes that qualify for USDA loan financing, making homeownership more accessible than ever. USDA loans are designed for rural and suburban homebuyers, providing a pathway to affordable financing with favorable terms. This means you can find your dream home in a community that values quality of life, all while taking advantage of the benefits that USDA loans offer.

Whether you’re a first-time homebuyer or looking to relocate, Winter Garden is a place where you can truly thrive. Explore the opportunities waiting for you in this enchanting city, and discover why Winter Garden is not just a place to live, but a place to call home.

Newest Winter Garden Homes with USDA Loan Financing Available

14026 Frasier Street, Winter Garden

14026 Frasier Street, Winter Garden

3 Beds ⋅ 3 Baths ⋅ Highland Ridge SubDv. ⋅ 34787 Zip Code

SELLER OFFERING $10,000 TOWARDS BUYER CLOSING COST WITH AN ACCEPTABLE OFFER!! Welcome to this beautiful 2023-built home in the desirable Highland Ridge community of Winter Garden! Featuring 3 bedrooms, 2.5 bathrooms, and 1,985 square feet of thoughtfully designed living space, this home offers the perfect combination of modern comfort, functionality, and energy efficiency. Step inside and discover a bright, spacious open-concept main floor, ideal for everyday living and entertaining. The inviting covered front porch adds charm and provides a wonderful place to relax and enjoy the Florida lifestyle. Upstairs, you’ll find a versatile loft perfect for gathering and relaxation, along with a private primary suite offering comfort and privacy. The additional bedrooms provide flexibility for family members or guests. Built by Meritage Homes, known for its innovative energy-efficient features, this property is designed with comfort and potential energy savings in mind. Additional highlights include a two-car garage and access to the community pool. Location is another outstanding feature! Just a short walk from the new Ovation Elementary School and the Flamingo Crossings shopping center, offering a variety of restaurants, fast-casual dining options, grocery stores, a fitness center, and convenience stores, making everyday living exceptionally convenient. The property also provides easy access to major roadways and Orlando’s world-famous attractions. Don’t miss your chance to own a nearly new home in one of the Orlando area’s most desirable locations. Schedule your private showing today!

14026 Frasier Street, Winter Garden

17600 Lake Star Road, Winter Garden

17600 Lake Star Road, Winter Garden

5 Beds ⋅ 4 Baths ⋅ Northlake/Ovation Ph 1 SubDv. ⋅ 34787 Zip Code

Discover exceptional lakefront living in Northlake at Ovation, where this extensively upgraded Ashton Woods residence showcases more than $320,000 in builder design selections and owner-added enhancements. Thoughtfully curated interiors, distinctive architectural details, and inviting outdoor spaces create a home equally suited to elegant entertaining and everyday comfort. A soaring foyer, statement chandelier, and beautifully detailed staircase establish an impressive arrival. Natural light fills the living spaces, highlighting plantation shutters, upgraded tile and hardwood flooring, custom wall treatments, and designer lighting throughout. The separate dining room provides an elegant setting for gatherings, while the kitchen, breakfast area, and family room flow seamlessly together. At the heart of the home, the beautifully appointed kitchen pairs an expansive contrasting island with designer quartz countertops, stacked cabinetry, and illuminated display accents. A custom backsplash and mural extending to the ceiling create a striking focal point, complemented by stainless steel appliances, pendant lighting, and a custom-organized pantry. The primary suite creates a peaceful retreat with hardwood flooring, generous windows, and a custom walk-in closet. Its spa-inspired bathroom features a soaking tub, separate vanities, upgraded fixtures, and an expansive frameless glass shower framed by striking tilework. Additional bedrooms and bathrooms carry the home’s thoughtful design throughout, including custom closet systems in the downstairs bedroom and designer accent walls in the downstairs bathroom. A dedicated office and spacious upstairs loft provide versatile settings for work, leisure, and recreation. Outdoor living unfolds beneath a covered paver lanai with roll-up screens and a custom summer kitchen featuring a built-in grill, beverage chiller, sink, upgraded countertops, and integrated storage. Generous dining and lounging areas overlook the fenced backyard, mature greenery, and tranquil lakefront setting—an inviting backdrop for morning coffee or evening gatherings. Beyond its beautiful finishes, the home incorporates carefully considered functionality: a custom laundry room with cabinetry and a sink, a drop zone, custom storage, whole-house gutters, backyard French drains, and pre-plumbing for a water softener. A hardwired security system and cameras, along with hardwired internet and Ethernet connections at TVs, provide added convenience. The garage includes epoxy flooring, overhead smart storage racks, cabinetry, and a utility sink. Redesigned landscaping and architectural uplighting enhance the home’s presence after sunset. Northlake at Ovation amenities include a community pool, clubhouse, playground, and dog park. Nearby Hamlin Town Center and Winter Garden Village provide shopping, dining, and entertainment, while Historic Downtown Winter Garden invites exploration of its boutiques, restaurants, celebrated farmers market, and West Orange Trail. Walt Disney World and Central Florida’s renowned attractions are within reach, with SR 429 connecting you to the greater Orlando area. Experience beautifully appointed interiors, extensive upgrades, and inviting lakefront living in this exceptional Winter Garden residence. Schedule your private showing.

17600 Lake Star Road, Winter Garden

1213 Foltz Loop, Oakland

1213 Foltz Loop, Oakland

4 Beds ⋅ 4 Baths ⋅ Hull Island/Oakland Ph 2 SubDv. ⋅ 34787 Zip Code

Come see this BEAUTIFUL, WELL MAINTAINED HOME BUILT IN 2022 WITH A CONSERVATION/PROTECTED PRESERVE VIEW in OAKLAND! This home looks like a MODEL HOME and is located in the HEART of OAKLAND! There will never be homes built across the street from you so in this location you only have homes built on ONE SIDE of the street making this STREET SO SPACIOUS! The home has an OPEN DESIGN and LUXURY VINYL PLANK THROUGHOUT most of the home! This ONE OWNER home has been maintained in pristine, LIKE NEW condition with SELLER ADDING OVER $90,000 IN CUSTOMIZATIONS to this home including being the ONLY HOME IN THE COMMUNITY with a CUSTOM BRICK ACCENT OPTION ON THE FRONT OF THE HOME. Home has a WATER PURIFICATION, FILTRATION, R.O. SYSTEM, CUSTOM CLOSET SYSTEMS, CUSTOM LAUNDRY ROOM, GARAGE FINISHED WITH EPOXY FLOORING AND SHELVING SUSPENDED FROM CEILING FOR TONS OF STORAGE Home also has TANKLESS GAS WATER HEATER AND GAS COOKING! This home has a beautiful kitchen with elegant choices, TONS OF CABINET SPACE, A CUSTOM-FINISHED WALK IN PANTRY, POTTERY BARN DRAPERIES and a CHEF’S DREAM for appliances. The home also has a beautiful covered and inviting front porch to welcome your guests and a large, covered back porch as well with a very private and beautiful backyard that has been IMMACULATELY MAINTAINED. The MASTER BEDROOM has two LARGE WALK IN CLOSETS, A HUGE WALK IN SHOWER IN THE MASTER BATHROOM AND A PRIVATE WATER CLOSET. The second floor has large guest bedrooms and a LARGE BONUS/MEDIA/GAMEROOM! COME LIVE IN THE HEART OF IT ALL YET TUCKED AWAY IN A PEACEFUL QUIET ENCLAVE on a PEACEFUL QUIET STREET. You will be located just steps from the WEST ORANGE TRAIL, a few minutes from HISTORIC DOWNTOWN WINTER GARDEN, 1 mile to the Oakland Nature Preserve, a few minutes to the Town of Oakland and parks, Less than 2 miles to the Florida Turnpike which makes getting anywhere easy, 6 miles to the WINTER GARDEN VILLAGE and steps to shopping, restaurants, boutiques and all! This home is in a HIGHLY DESIRED ADDRESS in the TOWN OF OAKLAND. Come visit this QUIET, FRIENDLY and SMALL NEIGHBORHOOD because you are sure to want to stay forever! Qualified buyers may receive a 1-year interest rate buydown for the first year paid for by the Seller's preferred lender when financing this home (subject to credit approval and program availability)

1213 Foltz Loop, Oakland

15411 Gilligan Court, Winter Garden

15411 Gilligan Court, Winter Garden

4 Beds ⋅ 3 Baths ⋅ Winding Bay Ph 1b SubDv. ⋅ 34787 Zip Code

Located in Horizon West, this 4-bedroom, 2.5-bath home features a first-floor bedroom, private outdoor entertaining space, and no carpet throughout. Set within Winding Bay and zoned for top-rated schools, the community offers parks, a playground, walking trails, a dog park, and a resort-style pool with a splash pad. Just minutes from Walt Disney World, residents enjoy nightly fireworks views and convenient access to Highway 429, Hamlin Town Center, Flamingo Crossings, premier golf courses, and a wide variety of dining and shopping destinations. No CDD. Low HOA.

15411 Gilligan Court, Winter Garden

11929 Shine View Lane, Winter Garden

11929 Shine View Lane, Winter Garden

4 Beds ⋅ 4 Baths ⋅ Waterleigh SubDv. ⋅ 34787 Zip Code

Under Construction. Waterleigh presents the Seacliff. This two-story all concrete block construction single-family home features 4 bedrooms and 3.5 bathrooms optimizing living space with an open concept feel. A beautiful porch welcomes you to this home, as you enter the foyer, you are greeted with a formal dining room. Customize this area to meet your needs with an optional den. Go down the hallway and you’ll find a powder room and laundry room tucked behind the stairwell leading up to the second floor. The well-appointed gourmet kitchen overlooks the casual dining area, family room and outdoor lanai. This home features a spacious kitchen island with built in sink and dishwasher to optimize counter space, and a walk-in pantry for extra storage. All homes in this community will have stainless steel appliances, making cooking a piece of cake. Bedroom one is located off the living space in the back of the home for privacy. The bedroom one bathroom impresses with separate vanities, shower/tub space, toilet room with privacy door as well as a spacious walk in closet. As we head upstairs, you are greeted with a loft area and all three bedrooms. Two bedrooms share a upstairs bathroom with double bowl vanity while the additional bedroom is complete with ensuite bathroom. Like all homes in Waterleigh, the Seacliff includes a Smart home technology package which allows you to control your home with your smart device while near or away. *Photos are of similar model but not that of exact house. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability and amenities are subject to change and prior sale at any time without notice or obligation. Please note that no representations or warranties are made regarding school districts or school assignments; you should conduct your own investigation regarding current and future schools and school boundaries.*

11929 Shine View Lane, Winter Garden

910 Trowman Aly, Winter Garden

910 Trowman Aly, Winter Garden

3 Beds ⋅ 3 Baths ⋅ Oakland Park SubDv. ⋅ 34787 Zip Code

Welcome to this modern 3-bedroom, 2 and 1/2-bath residence, 1650 square feet located in McKinnon Square at Oakland Park, nestled within Winter Garden's coveted golf cart district. This Home has a nice welcoming front porch and showcases timeless architecture, upscale designer finishes. Step inside to discover soaring ceilings, beautiful luxury vinyl plank flooring throughout the main living areas. At the heart of the home on the 2nd Story, the Executive kitchen features custom cabinetry with updated hardware, quartz countertops, an island, a gas range, vent hood, tile backsplash, and abundant storage. The open-concept design flows effortlessly into the spacious family room with a Balcony to have coffee in the morning or tea in the evening. The upstairs has a lofty feel has a nice living space. Cathedral ceilings, walk-in closet. One of Winter Garden's most desirable lifestyles. This award-winning, master-planned community of Oakland Park features tree-lined streets, scenic parks, resort-style pools, playgrounds, and miles of walking and biking trails, including direct access to the renowned West Orange Trail. Residents enjoy a true neighborhood atmosphere just a golf cart ride from Historic Downtown Winter Garden, where you'll find award-winning restaurants, boutique shopping, breweries, coffee shops, live entertainment, and the nationally recognized Winter Garden Farmers Market close to Winter Garden Village at Fowler Groves the outdoor Mall and the Orlando International Airport. With convenient access to Florida's Turnpike, SR-429, 408, to downtown Orlando, and Central Florida's world-famous attractions and Themed Parks, this exceptional residence offers the perfect blend of luxury, convenience, community, and lifestyle.

910 Trowman Aly, Winter Garden

1720 Lake Roberts Landing Drive, Winter Garden

1720 Lake Roberts Landing Drive, Winter Garden

5 Beds ⋅ 5 Baths ⋅ Lake Roberts Lndg E SubDv. ⋅ 34787 Zip Code

Your chance to own the FORMER MODEL for entire community. Set behind the GATED ENTRY of Lake Roberts Landing with community fishing pier to 116 acre Lake Roberts. THE IDEAL FLOOR PLAN you have been waiting for, 5 beds, office, movie theatre and bonus.. PLUS this rare gem... Primary bed and an additional En Suite on 1st floor !!! Incredible street presence and MASSIVE fenced back yard. Oversized covered lanai with summer kitchen provides the ideal place to relax and entertain. Screen enclosed pool and spa with paver deck competes the perfect back yard to embrace the Florida Lifestyle. Entering the home you are greeting with soaring ceilings of a foyer replicating a great hall feel. Formal dining and private office (on top of the 5 bedrooms) flank the entry, Both boasting amazing detail and carpentry that would be expected in the former model. Pass the wet bar for entertaining to the formal living room with same soaring ceiling height as the foyer itself. The heart of the home well appointed with timeless wood cabinets, lots of workspace and vented cook top too. The family room overlooks the pool, yard and lanai. DOWNSTAIRS MASTER is incredible and a RARE SECOND EN SUITE DOWNSTAIRS is perfect for guests or aging family members. Ascend the showstopping curved staircase to the equipped home theatre and additional BONUS ROOM. 2 large secondary bedrooms with jack and jill set up PLUS another EN SUITE/ 2nd primary bedroom on the 2nd floor. ALL beds have a walk-in closet too ! 3 car tandem garage, tile roof. Minutes to 429 expressway, countless shopping and dining options in literally every direction. Sought after K-12 school district plus Foundation Academy and Windermere Preparatory school campuses minutes away. Disney less than 15 away and 20 to Downtown Orlando. This is truly an amazing opportunity for one buyer. Move fast, this is one that is priced to sell.

1720 Lake Roberts Landing Drive, Winter Garden

17882 Adrift Road, Winter Garden

17882 Adrift Road, Winter Garden

4 Beds ⋅ 3 Baths ⋅ Waterleigh SubDv. ⋅ 34787 Zip Code

Virtually Staged. Welcome to Waterleigh! This beautiful 2023-built, 4-bedroom, 3-bath home sits on a spacious lot with a peaceful natural lake view from the backyard. Featuring an open-concept layout, modern kitchen, versatile loft, and private owner’s suite. Enjoy resort-style pools, clubhouses, fitness centers, tennis courts, trails, and playgrounds. Publix is conveniently located at the community entrance, with schools, shopping, dining, SR-429, and Walt Disney World nearby. Enjoy space, views, convenience, and the best of the Horizon West lifestyle

17882 Adrift Road, Winter Garden

526 First Cape Coral Drive, Winter Garden

526 First Cape Coral Drive, Winter Garden

4 Beds ⋅ 5 Baths ⋅ Black Lake Park Ph 01 SubDv. ⋅ 34787 Zip Code

Welcome to an exceptional Winter Garden residence where modern luxury, thoughtful design, and resort-style living come together in one truly unique home. This extensively renovated property offers a sophisticated interior, generous living spaces, and an extraordinary outdoor entertainment and wellness area designed for the Florida lifestyle. The **second floor features 4 spacious bedrooms**, including **2 private suites**: the elegant **primary suite** and a **newly created second suite**, ideal for guests, extended family, or added privacy. In total, the home offers **3 full bathrooms upstairs**, including the private bathrooms serving both suites, plus **2 half bathrooms on the first floor** for added convenience when entertaining family and guests. The interior features a bright, open-concept layout with high ceilings, abundant natural light, and a seamless connection between the kitchen, dining, and living spaces. The renovated gourmet kitchen includes quartz countertops, custom cabinetry, stainless steel appliances, and a large center island perfect for everyday living and entertaining. The outdoor space is where this property truly stands apart. Designed as a private resort, the backyard features a **custom swimming pool and spa**, an expansive **approximately 800 sq. ft. covered pergola**, and a fully equipped **summer kitchen** with grill, sink, and generous entertaining space. A spectacular **high-definition outdoor LED video wall** creates an impressive entertainment experience for watching sports, movies, and special events from the pool, spa, or covered outdoor area. The property also includes a **private steam sauna**, a dedicated relaxation and meditation space, and professionally designed **landscaping** that enhances privacy and creates a lush, resort-style atmosphere. Located in highly desirable **Winter Garden, Florida**, this home offers convenient access to shopping, dining, recreation, major roadways, and Central Florida’s premier attractions. This is more than a renovated home—it is a private resort, entertainment destination, and luxury residence designed for exceptional everyday living. **Property Highlights** • 4 bedrooms, all located on the second floor • 2 private suites: primary suite and new secondary suite • 3 full bathrooms upstairs • 2 half bathrooms on the first floor • Approximately 2,800 sq. ft. of living space • Extensively renovated interior and exterior • Gourmet kitchen with quartz countertops and custom cabinetry • Custom swimming pool and spa • High-definition outdoor LED video wall • Private steam sauna • Fully equipped summer kitchen • Approximately 800 sq. ft. covered pergola • Dedicated relaxation and meditation area • Professionally designed landscaping • Resort-style outdoor entertainment area • Prime Winter Garden location

526 First Cape Coral Drive, Winter Garden

1750 Standing Rock Circle, Winter Garden

1750 Standing Rock Circle, Winter Garden

4 Beds ⋅ 3 Baths ⋅ Oakland Trails SubDv. ⋅ 34787 Zip Code

Welcome to this energy efficient two story home built in 2020, ideally located in the highly desirable Town of Oakland with direct access to the West Orange Trail and excellent proximity to Historic Downtown Winter Garden. Situated on a spacious .21 acre lot, this residence offers 2,614 square feet of living space, 4 bedrooms, 2.5 bathrooms, a 2 car garage, and an open concept floor plan. The first floor features a formal living area, open kitchen with granite countertops a double oven, stainless steel appliances, eat-in dining space and a family room with upgraded luxury laminate flooring. Upstairs you’ll find all four bedrooms, two full bathrooms, and a versatile bonus/flex loft area. The bedrooms feature ceiling fans and spacious walk-in closets. Additional highlights include excellent storage throughout the home, generously sized under stair storage, and a separate drop zone. Step outside to enjoy bespoke landscaping with wired outdoor lighting, garden beds for your next harvest, an extended patio creating the perfect outdoor oasis. Conveniently located adjacent to the community pool, this home offers both comfort and convenience. Enjoy easy access to Orlando's theme parks, shopping, dining, and recreation, including the nearby 22-mile paved West Orange Trail as well as the Nature Preserve, perfect for walking, biking, and outdoor activities. A newly built Costco and an array of restaurants are also nearby. Easy access to Turnpike, 429, 408 making any commute a breeze. Enjoy the charm of the Town of Oakland while being just minutes from Winter Garden and Orlando. Schedule your tour today!

1750 Standing Rock Circle, Winter Garden

16495 Point Rock Drive, Winter Garden

16495 Point Rock Drive, Winter Garden

4 Beds ⋅ 3 Baths ⋅ Waterleigh Ph 4b & 4c SubDv. ⋅ 34787 Zip Code

10 minutes from Disney World & theme parks!!! Built in 2023, this beautifully home offers 4 bedrooms, 2.5 bathrooms, a versatile flex room, and a rear-entry two-car garage in the desirable Waterleigh community. The open-concept layout features a spacious kitchen with stainless steel appliances, stone countertops, upgraded wood cabinetry, and a large center island overlooking the living and dining areas. Upstairs, the primary suite includes a walk-in closet, dual vanities, walk-in shower. Additional upgrades include tile flooring throughout the second floor and an open lanai perfect for enjoying the Florida outdoors. Residents enjoy multiple resort-style community pools, clubhouses, HUGE fitness centers, tennis and pickleball courts, playgrounds, dog parks, walking trails, and scenic green spaces. Conveniently located near Hamlin Town Center, shopping, dining, medical facilities, and major highways, this home offers an exceptional opportunity to enjoy the Horizon West lifestyle.

16495 Point Rock Drive, Winter Garden

16625 Point Rock Drive, Winter Garden

16625 Point Rock Drive, Winter Garden

3 Beds ⋅ 3 Baths ⋅ Waterleigh SubDv. ⋅ 34787 Zip Code

Better than new! Move-in ready with premium upgrades and resort-style living in the highly sought-after Waterleigh community! This beautiful all-concrete block construction home offers 3 bedrooms, 2.5 bathrooms, and a thoughtfully designed open-concept floor plan that perfectly blends comfort, style, and functionality. The spacious kitchen overlooks the dining and great room while offering views of the covered lanai, creating the perfect setting for everyday living and entertaining. Featuring a large center island with bar seating, abundant cabinetry, generous counter space, and stainless steel appliances, the kitchen is truly the heart of the home. The first floor also includes a versatile FLEX ROOM, ideal for a home office, playroom, or fitness space, along with a convenient half bath. A custom WINE CELLAR built beneath the staircase adds a unique touch for wine enthusiasts. Upstairs, the spacious primary suite features a large walk-in closet and an ensuite bathroom with dual vanities. Two additional bedrooms share a full bathroom, while the upstairs laundry room adds everyday convenience. A rear-entry TWO-CAR GARAGE with a practical drop zone completes the home. This property has been thoughtfully upgraded with premium features that truly set it apart, including LAMINATE FLOORING throughout the entire second floor, a built-in SAUNA in the primary bathroom, a SCREEN-ENCLOSED LANAI with an above-ground HOT TUB, and ENERGY-SAVING SOLAR PANELS. Located in the award-winning Waterleigh community, residents enjoy resort-style amenities including multiple pools, clubhouses, fitness centers, tennis and pickleball courts, playgrounds, scenic walking trails, dog parks, community gardens, and beautiful lakes throughout the neighborhood. Waterleigh is also known for its outstanding educational opportunities, with TWO A-RATED SCHOOLS inside the community, including an A-rated middle school ranked among the top-performing schools in Orange County. Conveniently located just minutes from Walt Disney World, Hamlin Town Center, Horizon West, shopping, dining, medical facilities, and major highways, this home offers the perfect combination of luxury, convenience, energy efficiency, and one of Central Florida's most desirable communities.

16625 Point Rock Drive, Winter Garden

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