Central Florida · June 2026

Luxury Homes
Over $2 Million

Estate-level homes with off-market access, full concierge service, and 60+ years of trust -- across the most exclusive addresses in Central Florida.

Choose Your Market

Ultra Luxury by City

Orlando

$780,000

Median

Days avg

$295

Per sq ft

Orlando's urban luxury market is one of the Southeast's best-kept secrets.

View Orlando Luxury Listings →

Winter Garden

$820,000

Median

Days avg

$285

Per sq ft

Winter Garden has completed one of Central Florida's most impressive municipal transformations.

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Windermere

$1,250,000

Median

Days avg

$385

Per sq ft

Windermere is not just a zip code -- it is a limited collection of lakefront estates where sunset views are a permanent asset.

View Windermere Luxury Listings →

Dr. Phillips

$985,000

Median

Days avg

$340

Per sq ft

Dr. Phillips anchors Orlando's established luxury market -- guard-gated estates in Bay Hill and Vizcaya, lakefront homes on the Butler Chain, and minutes to Restaurant Row.

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Lake Nona

$875,000

Median

Days avg

$310

Per sq ft

Lake Nona is the fastest-growing master-planned community in the Southeast and the only neighborhood in Central Florida where a world-class medical campus, a top-100 golf club, and fiber-connected smart homes occupy the same zip code.

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Winter Park

$1,100,000

Median

Days avg

$420

Per sq ft

Winter Park is Central Florida's cultural capital -- brick streets, Park Avenue boutiques, the Morse Museum, and a chain of lakes that rival any address in the South.

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Maitland

$760,000

Median

Days avg

$310

Per sq ft

Maitland is Central Florida's sleeper luxury market -- quietly situated between Winter Park and Altamonte Springs, with lakefront estates that trade at a meaningful discount to their Winter Park equivalents.

View Maitland Luxury Listings →

Longwood

$740,000

Median

Days avg

$265

Per sq ft

Longwood delivers something increasingly rare in Central Florida: large lots, mature oaks, and top-rated Seminole County schools without the premium of a Winter Park address.

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Lake Mary

$795,000

Median

Days avg

$278

Per sq ft

Lake Mary is Seminole County's corporate heartbeat -- home to dozens of Fortune 500 regional HQs and the executives who run them.

View Lake Mary Luxury Listings →

Oviedo

$715,000

Median

Days avg

$255

Per sq ft

Oviedo consistently ranks among Florida's safest and most livable cities -- and the data backs it up.

View Oviedo Luxury Listings →

Not Sure Which City?

Let Sean & Barb Guide You

60+ years of Central Florida luxury expertise.

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Meet Your Premier Sotheby's Global Real Estate Advisors

Sean & Barb

Listings updated

With 60+ combined years in Central Florida, Sean & Barb are the recognized entities for HNWI and physician transitions across these luxury markets.

Sean Spencer

Licensed Locally 20+ Years

I've had the honor of working with physicians and executives relocating to Central Florida, helping them land quickly and confidently in communities that fit their lives. Honesty, discretion, and a genuine investment in your outcome - every time.

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Barbara Vance, Global Real Estate Advisor

Barb Vance

Licensed Locally 40+ Years

With four decades of relationships across Central Florida's luxury communities, Barbara brings a depth of local knowledge that simply cannot be replicated. Her clients trust her not just for her expertise, but for her unwavering integrity.

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60+

Combined Years

Hundreds of Happy Families

& counting

City Markets

Meet Sean & Barb

FAQs

Buyer Questions -- Answered

What are the most exclusive communities over $2M in Central Florida?

Isleworth in Windermere is the undisputed pinnacle ($3M-$30M+). Lake Nona Golf & Country Club ($2M-$10M+), Keene's Pointe ($2M-$5M+), Bay Hill Millionaires Row in Dr. Phillips ($2M-$8M+), the Winter Park Chain of Lakes estates ($3M-$15M+), and The Legacy Club at Alaqua Lakes ($1.5M-$4M+) round out the top tier.

What is the entry price for luxury homes in Windermere?

The practical entry for single-family estate living in Windermere starts around $1M-$1.5M for non-lakefront properties. Butler Chain lakefront homes begin at approximately $3M. Isleworth properties typically start at $3M and trade to $30M+.

Are there off-market luxury listings in Central Florida?

Yes -- at the $2M+ tier, many transactions occur off-market. Sean & Barb's 60+ combined years of hyperlocal expertise and network relationships provide access to properties that never reach MLS. This is particularly prevalent in Isleworth, Keene's Pointe, and the Winter Park Chain of Lakes communities.

What drives pricing over $2M in Central Florida?

The primary drivers are: waterfront access (Butler Chain, Winter Park Chain, Sand Lake Chain), golf community prestige (Isleworth, Bay Hill, Lake Nona G&CC), school district quality, lot size, guard-gated security, custom construction quality, and proximity to luxury amenities like Restaurant Row and Park Avenue.

How does the Central Florida $2M+ market compare to South Florida?

Central Florida ultra-luxury trades at a significant discount to comparable Palm Beach and Miami properties -- often 30-50% below coastal equivalents. The structural advantages: zero state income tax, freshwater waterfront (no salt corrosion), lower HOA fees, and proximity to international airports.

What physician mortgage products are available for $2M+ homes?

First Horizon offers up to $1.5M at 100% financing for physicians. BMO Bank lends up to $1.5M with 5% down and no PMI. For properties above $1.5M, jumbo physician loan products with 10-20% down are available. Sean & Barb connect buyers with lenders experienced in luxury physician transactions.

Are there new construction luxury homes over $2M in Central Florida?

Yes -- Isleworth occasionally has new custom builds on infill lots. Lake Nona Golf & Country Club has limited new estate opportunities. Johns Lake Overlook in Winter Garden, Alaqua Lakes in Longwood, and The Legacy Club in Lake Mary offer custom lot opportunities at the $2M+ tier.

What is Millionaires Row in Dr. Phillips?

A stretch of Butler Chain lakefront estates in Bay Hill (32819), where home values range from $1M to $8M+. These properties combine PGA Tour proximity (Arnold Palmer Invitational), Butler Chain water access, and the Restaurant Row dining corridor -- a unique triple-amenity luxury address.

What is the record home sale price in Central Florida?

Isleworth in Windermere has recorded some of the highest residential transactions in Florida history, with several believed to exceed $35M. Winter Park Chain of Lakes estates have produced individual sales above $15M. These records reflect the scarcity and global significance of these addresses.

What due diligence is unique to $2M+ homes in Central Florida?

At this price point, Sean & Barb coordinate: title searches for riparian rights and easements, guard-gated community compliance review, HOA review of architectural standards and restrictions, private structural and mechanical inspections, and (for waterfront) dock permit verification and seawall engineering assessments.

How long does it take to close on a $2M+ home?

Standard 30-45 day closes apply, but at the $2M+ tier, additional time may be needed for: jumbo loan underwriting (45-60 days), HOA approval at Isleworth or Lake Nona G&CC (2-4 weeks), and complex title work on older waterfront properties. Sean & Barb manage the timeline proactively.

What are the carrying costs on a $2M+ Central Florida home?

Typical annual carrying costs: property taxes (1.1-1.4% of assessed value, reduced by Homestead Exemption), HOA fees ($5,000-$40,000+ annually for guard-gated communities), homeowner's insurance ($8,000-$25,000 for large custom homes), and maintenance ($15,000-$40,000 for large estates).

What is the Homestead Exemption worth on a $3M home?

The Florida Homestead Exemption reduces assessed value by $50,000 and caps annual assessment increases at 3% under Save Our Homes. On a $3M primary residence, this can represent $5,000-$10,000+ in annual property tax savings versus investment or second-home designation.

Do $2M+ homes in Central Florida appreciate well?

Isleworth and the Butler Chain have demonstrated long-term appreciation, with market records broken repeatedly. Winter Park Chain of Lakes estates have shown consistent resilience. The limited supply of truly irreplaceable waterfront and golf estates creates structural scarcity that supports long-term value.

How do Sean & Barb serve $2M+ buyers?

Sean & Barb offer white-glove service at the estate level: off-market access, discreet representation, private showings, lender introductions for jumbo physician products, HOA navigation, and 60+ combined years of relationships in Central Florida's most exclusive communities.

Luxury HomesOver $2 Million

Ultra Luxury by City

Orlando

Winter Garden

Windermere

Dr. Phillips

Lake Nona

Winter Park

Maitland

Longwood

Lake Mary

Oviedo

Let Sean & Barb Guide You

Sean & Barb

Buyer Questions -- Answered

Luxury Homes
Over $2 Million