David Ramirez
$1,499,999$1,599,0006 bd4.5 ba5,148 sqft$291 /sqft$10,065 /mo all-in ↓

16909 FLORENCE VIEW DRIVE, MONTVERDE, FL, 34756

Active278 days on marketListed Oct 20, 2025MLS #G5103436

Reduced $99KWaterfrontPrivate poolSingle Family ResidenceMAGNOLIA TERRACE PH 11

About this home

16909 FLORENCE VIEW DRIVE

Virtually Staged. LAKEFRONT LUXURY IN MONTVERDE! Discover your dream home on the shimmering shores of Lake Florence… a private, spring-fed 142 acre paradise and a short distance of the renowned Montverde Academy. This stunning six-bedroom, four-and-a-half-bath pool home blends elegant design, energy efficiency, and the ultimate lakefront lifestyle. Step inside and be greeted by breathtaking water views from nearly every room. The chef-inspired kitchen features abundant and completely custom cabinetry, solid-surface countertops, a convenient wet bar/butler’s pantry, and plenty of space for family gatherings around a large dining table. The kitchen is complete with gas-stove, double ovens, separate ice maker/freezer, beverage refrigerator, and even a stand-alone induction cook top!. Several appliances have recently been replaced. Flow seamlessly into the inviting family room, where a cozy propane fireplace sets the stage for relaxed evenings and memorable entertaining. Just beyond, the screened upper deck is the perfect spot for morning coffee or sunset cocktails overlooking the lake. The upper and lower patios, at 80 combined feet, provide an incredibly large area for hosting of friends while taking in jaw dropping lakeside sunsets! The downstairs screened patio features a built-in fireplace and a storm-proof television system. The spacious primary suite offers serene lake views and a private retreat, while an adjacent bedroom (currently an office) and two additional bedrooms with two full baths provide ample space for family and guests. As a bonus, there is a separate washer/dryer hookup in the master closet. The house-wide central vacuum system makes cleaning a breeze! Downstairs, the walkout lower level is an entertainer’s dream, complete with a guest suite and kitchenette, a media room/theatre with stadium seating, two versatile bonus rooms for crafts or storage. A large open area features a large, garage-style door to bring in fresh air from the deck- perfect for a home gym or recreational area. Outside, enjoy your pool against the backdrop of Lake Florence or stroll down to your covered lakefront toy storage rack for a relaxing paddle. Speaking of toys- one garage not enough? This home features two full sized side-entry garages, one of which is cooled by a hybrid hot water heater! Despite the very high garage ceilings, there is ample attic space, complete with spray foam insulation. The landscaping is professional designed and easily maintained, including the ever-so-soft zoysia grass. The property uses both city and well-based water and a septic system efficiently manages waste. Even down to the lightning rods on the metal roof, this property hits all the details! Outside, enjoy resort-style living: lounge by the pool, gather around the fire pit, play a match on your private sand volleyball court, launch watercraft from your private beach, or cast a line from your private and recently rebuilt dock. The covered boat dock with a touchless electric boat cover makes lake days effortless , just hop on your boat and explore the crystal-clear waters of Lake Florence! Built with green living in mind, this home features ICF R50 concrete construction, R30 spray foam insulation throughout, solar panels, Energy Star double-pane windows, a 16 SEER AC unit, 50-gallon water heater, and a Generac whole house generator for peace of mind. This is your opportunity to enjoy a terrace-style, walk out lakefront home- a rarity in Florida!

Facts & features

The home at a glance

6

Bedrooms

4.5

Bathrooms

5,148

Sqft

0.62 ac

Lot size

4

Garage

2013

Year built

Two

Levels

$291

Per sqft

Private poolWaterfrontFireplaceWater viewPets allowed

Inside

FlooringConcrete · Luxury Vinyl · Porcelain Tile
AppliancesBar Fridge · Built-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Freezer · Microwave · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Central Vacuum · Dry Bar · Eating Space In Kitchen · High Ceilings · Open Floorplan · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Tray Ceiling(s) · Vaulted Ceiling(s) · Walk-In Closet(s) · Wet Bar
LaundryInside · Laundry Room · Upper Level
CoolingCentral Air · Zoned
HeatingCentral · Electric · Heat Pump · Solar · Zoned

Outside & construction

RoofMetal
ConstructionBlock · ICFs (Insulated Concrete Forms) · Stucco
FoundationSlab
ViewWater
FacesSoutheast
ParkingDriveway · Garage Door Opener · Garage Faces Side · Ground Level · Guest · Parking Pad
ExteriorBalcony · Irrigation System · Lighting · Outdoor Grill · Outdoor Kitchen · Private Mailbox · Sidewalk · Sliding Doors · Storage

Community & fees

HOA fee$50/mo
Taxes (2024)$14,382/yr
PetsYes
CommunityDeed Restrictions · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Propane · Public · Solar · Sprinkler Well · Street Lights · Underground Utilities · Water Connected
WaterPublic · Well

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.

$10,065 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$8,094
PMI (est., until 20% equity)$562
Property tax — 2024 actual bill$1,199
HOA fee — from the listing$50
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $150,000Loan30-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% · $150,000
Interest rate6.00%
Loan term

Estimated payment

$10,065/mo

Principal & interest$8,094
PMI (est., until 20% equity)$562
Property taxes (actual bill)$1,199
HOA / condo fee$50
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 Montverde actives

$291 vs $310

Days on market

278 vs 78 typical

Where $291/sqft sits among the 62 Montverde actives

27
11 · this home
4
6
6
8
$205–288$288–371$371–454$454–537$537–620$620+

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 Magnolia Terrace

Map of 16909 FLORENCE VIEW DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Orlando34 min
Universal Orlando36 min
Walt Disney World44 min
Orlando Int’l Airport (MCO)48 min

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

Get to know Montverde. See the full Montverde guide →

Magnolia Terrace — neighborhood snapshot

Population

325

Median age

40

Median income

$137,700

Median home value

$582,400

Avg household

3

Households w/ children

29%

For the school run

Lake County School District

HighLake Minneola High School★★★★★
ElementaryGrassy Lake Elementary School★★★★
MiddleEast Ridge Middle School★★★★

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

The numbers that matter

The Montverde market

Seller’s marketBalanced6.4 months of inventoryBuyer’s market

$820K$778K

Montverde median sold, yr/yr

95.8%

Sale-to-list ratio (12 mo)

24 of 62

Montverde actives have cut their price

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

This home is listed 50% above the MONTVERDE 34756 median. See the full Montverde market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,499,999 $99K
Oct 20, 2025Listed at $1,599,000 · 278 days on market since
2013Built · MAGNOLIA TERRACE PH 11

Reality check

What actually sold near 16909 FLORENCE VIEW DRIVE

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

15044 PENDIO DRIVESold · Apr ’26

$2,610,000

15044 PENDIO DRIVE

6 bd · 5.5 ba · 5,056 sqft · $516/sqft · 43 DOM

16820 BOLSENA DRIVESold · Apr ’26

$2,237,500

16820 BOLSENA DRIVE

5 bd · 4.5 ba · 4,893 sqft · $457/sqft · 218 DOM

15125 PENDIO DRIVESold · Aug ’25

$2,239,732

15125 PENDIO DRIVE

5 bd · 4.5 ba · 4,874 sqft · $460/sqft · 0 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 16909 FLORENCE VIEW DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 16909 FLORENCE VIEW DRIVE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

Goes straight to David’s phone and CRM.

Straight answers

16909 FLORENCE VIEW DRIVE FAQs

What would the monthly payment be for 16909 FLORENCE VIEW DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,065/mo — principal and interest, the actual property-tax bill, the $50/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 16909 FLORENCE VIEW DRIVE?+

The association fee works out to $50 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 16909 FLORENCE VIEW DRIVE?+

The most recent tax bill on record (2024) was $14,382. 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 16909 FLORENCE VIEW 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 Montverde?+

At $1,499,999, this home is listed about 79% above the Montverde median of $840,000. The market section on this page shows how the area is trending.

Which schools are assigned to 16909 FLORENCE VIEW DRIVE?+

Lake Minneola High School (high), Grassy Lake Elementary School (elementary), East Ridge Middle School (middle) — Lake County School District. Always verify school assignments with the district before relying on them.

The brief

Five things that matter here

01Positioned at the premium end

$1,499,999 runs 50% above the MONTVERDE 34756 median — but at 5,148 sqft it's also 73% larger than the typical Montverde listing.

02Waterfront living

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

03Time on market is leverage

278 days on market against a Montverde median of 78 — sellers in this position are usually ready to negotiate.

04Strong assigned schools

Lake Minneola High School, Grassy Lake Elementary School, East Ridge Middle School — Grassy Lake Elementary School rates 4 of 5. Always verify assignments with the district.

05The price has already moved

Listed at $1,599,000, now $1,499,999 — a $99K cut. The full history is in the market section below.

Listing courtesy of ARELLANO REALTY & INVESTMENTS · Karin Arellano. MLS #G5103436.

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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