David Ramirez
$510,000$540,0004 bd2.5 ba2,984 sqft$171 /sqft$3,503 /mo all-in ↓

12912 CLOVERDALE LANE, CLERMONT, FL, 34711

Active49 days on marketListed Jun 5, 2026MLS #G5113352

Reduced $30KSingle Family ResidenceOVERLOOK AT LAKE LOUISA PH 01

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Upcoming open house

Fri, Jul 24

5:00 PM – 7:00 PM

About this home

12912 CLOVERDALE LANE

Virtually Staged. APPRAISED FOR $580,000 IN APRIL 2026 — Listed at $510,000! And the big-ticket items are already done: NEW ROOF (2024), NEW DUAL-ZONE HVAC (2023) with UV guard and regular service history, new dishwasher (2021), and new microwave (2025) — move in with confidence and no surprises. Don't miss this exceptional opportunity in the highly sought-after Overlook at Lake Louisa community, where you'll enjoy breathtaking views of rocket and shuttle launches right from your own yard — and partial views of the lake from your corner lot. This spacious 4-bedroom, 2.5-bath home offers nearly 3,000 square feet of thoughtfully designed living space on an oversized 0.24-acre corner lot — one of the largest in the neighborhood. Built in 2006, the home welcomes you with an expansive open floor plan featuring soaring ceilings, elegant archways, and tile flooring throughout the main level. A large flex space at the front of the home — perfect as a formal living room, home office, or playroom — flows seamlessly into the dining room. The well-appointed kitchen features granite countertops, rich cherry cabinetry, stainless steel appliances, a breakfast bar with pendant lighting, and a sun-drenched breakfast nook with triple windows. The oversized family room offers plenty of space for gathering, and a half bath completes the first floor. Upstairs, all four bedrooms are privately situated. The primary suite is a true standout — measuring an expansive 15x25 feet with a dedicated sitting area. The bonus room can be used as an office or converted into a 5th bedroom. The primary bedroom also features dual walk-in closets, and a spa-like en suite bath with dual vanities, a makeup vanity station, a jetted garden tub, and a large walk-in shower with rain head. Three additional generously sized bedrooms and a full bath with dual sinks round out the upper floor. Step outside to a covered patio with a built-in outdoor kitchen and gas grill — an entertainer's dream in the Florida sunshine. The fully fenced backyard features mature live oak trees that keep the yard naturally shaded and noticeably cooler than open lots — a rare luxury in Central Florida summers. The corner lot positioning gives you significantly more yard than comparable homes on standard lots. The home is also equipped with storm covers for the windows, providing peace of mind and potential insurance savings — a smart investment that pairs perfectly with the brand-new roof. Additional highlights include laminate flooring in the primary suite and upstairs hall, a downstairs laundry room, a 2-car attached garage, and a low HOA of just $495/year. Conveniently located minutes from shopping, dining, the Clermont chain of lakes, and major roadways. Schedule your private showing today!

Facts & features

The home at a glance

4

Bedrooms

2.5

Bathrooms

2,984

Sqft

0.24 ac

Lot size

2

Garage

2006

Year built

Two

Levels

$171

Per sqft

Pets allowed

Inside

FlooringCarpet · Laminate · Tile
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesNorth
ParkingDriveway
ExteriorSidewalk · Sliding Doors

Community & fees

HOA fee$41/mo
Taxes (2025)$893/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected · Sewer Connected · Water Connected
WaterPublic

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.

$3,503 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,002
FHA mortgage insurance (est.)$226
Property tax — 2025 actual bill$74
HOA fee — from the listing$41
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,850Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $17,850
Interest rate6.00%
Loan term

Estimated payment

$3,503/mo

Principal & interest$3,002
FHA mortgage insurance (est.)$226
Property taxes (actual bill)$74
HOA / condo fee$41
Est. insurance$160

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.

List $510K
$490KedgeAI estimate $634,472 · range $555K$666K$693K

vs edgeAI estimate

−19.6%

$/sqft vs Clermont actives

$171 vs $222

Days on market

49 vs 33 typical

Where $171/sqft sits among the 400 Clermont actives

169 · this home
133
48
14
10
26
$171–215$215–259$259–303$303–347$347–390$390+

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 Clermont

Map of 12912 CLOVERDALE LANE

Drive times from this address

Walt Disney World34 min
Downtown Orlando38 min
Universal Orlando41 min
Orlando Int’l Airport (MCO)53 min

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

Get to know Clermont. See the full Clermont guide →

CLERMONT 34711 — neighborhood snapshot

Population

69,727

Median age

43.7

Median income

$88,474

Median home value

$369,900

Avg household

2.69

Households w/ children

7,374

For the school run

Lake County School District

HighEast Ridge High School★★★★★
MiddleWindy Hill Middle School★★★★★
ElementaryPine Ridge Elementary School★★★★★

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

The numbers that matter

The Clermont market

Seller’s marketBalanced5.6 months of inventoryBuyer’s market

$443K$450K

Clermont median sold, yr/yr

97.8%

Sale-to-list ratio (12 mo)

197 of 400

Clermont actives have cut their price

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

This home is listed 10% above the CLERMONT 34711 median. See the full Clermont market guide →

Paper trail

This home's history

CurrentPrice reduced to $510,000 $30K
Jun 5, 2026Listed at $540,000 · 49 days on market since
2006Built · OVERLOOK AT LAKE LOUISA PH 01

Reality check

What actually sold near 12912 CLOVERDALE LANE

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

10148 FLORENCE RIDGE DRIVESold · May ’26

$545,000

10148 FLORENCE RIDGE DRIVE

4 bd · 3 ba · 3,030 sqft · $180/sqft · 204 DOM

1473 LAKEMIST LANESold · Aug ’25

$630,000

1473 LAKEMIST LANE

4 bd · 2.5 ba · 2,911 sqft · $216/sqft · 73 DOM

1426 LAKEMIST LANESold · Jul ’25

$620,000

1426 LAKEMIST LANE

4 bd · 3 ba · 2,895 sqft · $214/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 12912 CLOVERDALE LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 12912 CLOVERDALE LANE — 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

12912 CLOVERDALE LANE FAQs

What would the monthly payment be for 12912 CLOVERDALE LANE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,503/mo — principal and interest, the actual property-tax bill, the $41/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 12912 CLOVERDALE LANE?+

The association fee works out to $41 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 12912 CLOVERDALE LANE?+

The most recent tax bill on record (2025) was $893. 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 12912 CLOVERDALE LANE?+

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 Clermont?+

At $510,000, this home is listed about 9% above the Clermont median of $466,500. The market section on this page shows how the area is trending.

Which schools are assigned to 12912 CLOVERDALE LANE?+

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

Listing courtesy of DW&CO. REAL ESTATE, LLC · Nick Zema. MLS #G5113352.

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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