David Ramirez
$1,060,000$1,095,0004 bd3.5 ba3,414 sqft$310 /sqft$6,816 /mo all-in ↓

14951 THOROUGHBRED LN, MONTVERDE, FL, 34756

Active73 days on marketListed May 13, 2026MLS #G5112347

Reduced $35KPrivate poolSingle Family ResidenceTRAILS OF MONTVERDE SUB

About this home

14951 THOROUGHBRED LN

Tucked away on over 2.25 acres in the highly sought after equestrian community, The Trails of Montverde, this stunning 4 bedroom, 3 bath estate blends timeless traditional design with luxurious modern updates offering the kind of property and privacy that is getting harder to find in Central Florida. With just under 3,500 square feet, this home offers a thoughtfully designed floor plan that creates separation and privacy between spaces while still maintaining an inviting, natural flow throughout the home. No cavernous warehouse style open concept here, this one has warmth, character, and rooms that actually make sense. The heart of the home is the beautifully renovated kitchen, completed in 2022, featuring gorgeous marble countertops, updated finishes, and a layout designed for everyday living. The bathrooms were also fully remodeled in 2022 and feel straight out of a luxury boutique retreat, especially the stunning primary en-suite featuring a standalone clawfoot soaking tub and custom primary closet. Engineered hardwood floors run throughout the home, adding warmth and elegance, while the dedicated office provides the perfect work from home set up. Upstairs, the private fourth bedroom with its own en-suite bathroom creates an ideal guest suite, in-law space, or teenage hideaway. Step outside and the property truly unfolds into something special. The fully screened pool area is designed for peaceful outdoor living with a tranquil waterfall feature and expansive entertaining space overlooking the property with no rear neighbors in sight. Horse lovers will appreciate the 4 stall barn, equipt with an office with AC, a feed room and two paddocks. The Trails of Montverde is one of the few true equestrian neighborhoods in the area, offering over 5 miles of private riding trails along with a private community riding arena. Whether your dream is horses, chickens, goats, gardening, or even keeping bees, this property gives you the flexibility and space to create the lifestyle you’ve been wanting. Additional major updates include a 2023 roof, septic system recently pumped and inspected prior to listing, and a rare commercial grade in house fire sprinkler system for added peace of mind. This is more than a home. It’s the kind of property that feels like its own slice of heaven the moment you drive down the oak canopied driveway.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

3,414

Sqft

2.25 ac

Lot size

2

Garage

1989

Year built

Two

Levels

$310

Per sqft

Private poolFireplaceTrees/Woods viewPets allowed

Inside

FlooringCeramic Tile · Engineered Hardwood · Porcelain Tile · Tile
AppliancesConvection Oven · Dishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Range · Range Hood · Refrigerator · Washer · Wine Refrigerator
InteriorCeiling Fan(s) · Central Vacuum · Crown Molding · Eating Space In Kitchen · Primary Bedroom Main Floor · Solid Surface Counters · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionBlock · Brick · Wood Frame
FoundationSlab
ViewTrees/Woods
FacesSouth
ParkingBath In Garage · Driveway · Garage Door Opener
ExteriorSliding Doors · Storage

Community & fees

HOA fee$28/mo
Taxes (2025)$6,126/yr
PetsBreed Restrictions, Cats OK, Dogs OK, Yes
CommunityDeed Restrictions · Horses Allowed

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected
WaterWell

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.

$6,816 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,720
PMI (est., until 20% equity)$398
Property tax — 2025 actual bill$511
HOA fee — from the listing$28
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $106,000Loan30-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% · $106,000
Interest rate6.00%
Loan term

Estimated payment

$6,816/mo

Principal & interest$5,720
PMI (est., until 20% equity)$398
Property taxes (actual bill)$511
HOA / condo fee$28
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.

List $1.1M
$1.0MedgeAI estimate $1,275,720 · range $1.2M$1.3M$1.4M

vs edgeAI estimate

−16.9%

$/sqft vs Montverde actives

$310 vs $302

Days on market

73 vs 78 typical

Where $310/sqft sits among the 63 Montverde actives

20
16 · this home
6
7
5
9
$182–269$269–356$356–443$443–529$529–616$616+

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 Trails Of Montverde

Map of 14951 THOROUGHBRED LN inside its neighborhood boundary

Drive times from this address

Downtown Orlando37 min
Universal Orlando39 min
Walt Disney World47 min
Orlando Int’l Airport (MCO)51 min

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

Get to know Montverde. See the full Montverde guide →

Trails Of Montverde — neighborhood snapshot

Population

730

Median age

40

Median income

$137,700

Median home value

$582,400

Avg household

3

Households w/ children

61%

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)

25 of 63

Montverde actives have cut their price

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

This home is listed 6% above the MONTVERDE 34756 median. See the full Montverde market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,060,000 $35K
May 13, 2026Listed at $1,095,000 · 73 days on market since
1989Built · TRAILS OF MONTVERDE SUB

Reality check

What actually sold near 14951 THOROUGHBRED LN

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

15440 ARABIAN WAYSold · Jul ’26

$965,000

15440 ARABIAN WAY · same community

5 bd · 3.5 ba · 3,443 sqft · $280/sqft · 9 DOM

15245 ARABIAN WAYSold · Nov ’25

$1,160,000

15245 ARABIAN WAY · same community

4 bd · 3 ba · 3,606 sqft · $322/sqft · 108 DOM

15802 THOROUGHBRED LANESold · Sep ’25

$750,000

15802 THOROUGHBRED LANE · same community

4 bd · 3 ba · 2,106 sqft · $356/sqft · 24 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 14951 THOROUGHBRED LN — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 14951 THOROUGHBRED LN — 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

14951 THOROUGHBRED LN FAQs

What would the monthly payment be for 14951 THOROUGHBRED LN?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,816/mo — principal and interest, the actual property-tax bill, the $28/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 14951 THOROUGHBRED LN?+

The association fee works out to $28 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 14951 THOROUGHBRED LN?+

The most recent tax bill on record (2025) was $6,126. 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 14951 THOROUGHBRED LN?+

The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, 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 $1,060,000, this home is listed about 26% above the Montverde median of $840,000. The market section on this page shows how the area is trending.

Which schools are assigned to 14951 THOROUGHBRED LN?+

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

Three things that matter here

01Your own pool

A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.

02Strong 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.

03The price has already moved

Listed at $1,095,000, now $1,060,000 — a $35K cut. The full history is in the market section below.

Listing courtesy of ARELLANO REALTY & INVESTMENTS · Katie Dodd. MLS #G5112347.

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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