11900 ELBERT STREET, CLERMONT, FL, 34711
Active40 days on marketListed Jun 13, 2026MLS #G5113694
About this home
11900 ELBERT STREET
Welcome to this exceptional LAKEFRONT RETREAT DIRECTLY ON LAKE MINNEHAHA, one of the most sought-after lakes within the prestigious Clermont Chain of Lakes. This one-of-a-kind property offers an impressive 100 feet of direct lake frontage, where nearly every room captures breathtaking water views and beautiful natural light. Step inside to an open and airy floor plan designed to showcase the peaceful lake setting. The home features four bedrooms, two bathrooms, luxury vinyl flooring throughout, and has been freshly painted inside and out, creating a fresh and inviting atmosphere. Enjoy peace of mind with major updates including a METAL ROOF installed in 2017, a NEW SEAWALL completed in 2025 with current hurricane-rated materials, and a well pump and casing replaced approximately two years ago. Nestled on a quiet dead-end street, this property offers the perfect blend of privacy, tranquility, and classic Old Florida charm. Whether you’re enjoying morning coffee overlooking the lake, entertaining guests, or taking advantage of the incredible boating, fishing, and water activities the Clermont Chain of Lakes has to offer, this home provides a rare opportunity to own a true lakefront gem. The exterior features mature landscaping, extra large driveway, huge two car covered carport and a 14x16 storage room that has been freshly painted.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,939
Sqft
0.37 ac
Lot size
1957
Year built
One
Levels
$513
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$6,468 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,468/mo
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.
vs edgeAI estimate
+116.4%
$/sqft vs N/A
$513 vs $284
Days on market
40 vs 33 typical
Where $513/sqft sits among the 229 homes for sale in N/A
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
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Clermont market
$443K → $450K
Clermont median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
107 of 229
N/A have cut their price
Median sold price, Clermont, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 114% above the CLERMONT 34711 median. See the full Clermont market guide →
Paper trail
This home's history
Reality check
What actually sold near 11900 ELBERT STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$375,000
12112 CR 727 · same community
3 bd · 2 ba · 1,800 sqft · $208/sqft · 8 DOM
Sold · Dec ’25$485,000
29655 SE 152ND (RAVENSWOOD) PLACE · same community
3 bd · 2 ba · 1,800 sqft · $269/sqft · 10 DOM
Sold · Dec ’25$384,900
1489 COUNTY ROAD 228 · same community
3 bd · 2 ba · 2,097 sqft · $184/sqft · 137 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 11900 ELBERT STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 11900 ELBERT STREET — 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.
Straight answers
11900 ELBERT STREET FAQs
What would the monthly payment be for 11900 ELBERT STREET?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,468/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 11900 ELBERT STREET?+
The most recent tax bill on record (2025) was $6,785. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Clermont?+
At $995,000, this home is listed about 113% above the Clermont median of $466,500. The market section on this page shows how the area is trending.
Which schools are assigned to 11900 ELBERT STREET?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$995,000 runs 114% above the CLERMONT 34711 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $1,000,000, now $995,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER HUBBARD HANSEN · Pam Eddy. MLS #G5113694.
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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