David Ramirez
$1,080,0003 bd2 ba2,011 sqft$537 /sqft$6,677 /mo all-in ↓

18233 ROSE STREET, GROVELAND, FL, 34736

Active12 days on marketListed Jul 22, 2026MLS #G5114710

WaterfrontSingle Family ResidenceLAKE EMMA SUB

About this home

18233 ROSE STREET

Experience the best of Florida lakefront living in this beautiful custom-built home on Lake Emma in Groveland. Built in 2006, this thoughtfully designed 3-bedroom, 2-bath home offers 1,948 square feet of comfortable living space with breathtaking water views and extensive recent upgrades. The open floor plan is filled with natural light, creating a seamless connection between the spacious living areas and the picturesque lake beyond. The completely remodeled kitchen (2024) features new cabinetry, an LG appliance package, 62 square feet of granite countertops, an oversized sink, new faucet, and garbage disposal, making it the perfect space for everyday living and entertaining. Additional 2024 improvements include a new deck with railing, covered RV pad with 30-amp service, and new interior ceiling fans. In 2025, this home received even more impressive updates, including a new 26-gauge metal roof, new 3.5-ton Trane HVAC system, new water heater, new carpet throughout, complete interior paint including the ceilings, new door hardware, hinges and handles, new electrical receptacles and cover plates, new garage door openers, and new lanai ceiling fans. The private dock was also re-decked with treated wood, providing the perfect place to fish, kayak, boat, or simply relax while taking in the peaceful lake views. Located just minutes from shopping, dining, schools, parks, and major highways, this move-in-ready waterfront home offers the perfect blend of modern updates and tranquil Florida living. Don't miss this rare opportunity to own a beautifully updated home on Lake Emma—schedule your private showing today!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

2,011

Sqft

0.44 ac

Lot size

3

Garage

2006

Year built

One

Levels

$537

Per sqft

WaterfrontWater view

Inside

FlooringCarpet · Ceramic Tile
AppliancesCooktop · Dishwasher · Disposal · Exhaust Fan · Microwave · Refrigerator · Washer
InteriorCeiling Fan(s) · Chair Rail · Open Floorplan · Solid Surface Counters · Solid Wood Cabinets
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofMetal
ConstructionStucco
FoundationSlab
ViewWater
FacesNorthwest
ParkingDriveway · RV Carport · RV Parking
ExteriorPrivate Entrance · Private Mailbox · Private Yard · Sliding Doors

Community & fees

Taxes (2025)$3,413/yr

Utilities & systems

UtilitiesCable Available
WaterWell

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$6,677 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,828
PMI (est., until 20% equity)$405
Property tax — 2025 actual bill$284
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $108,000Loan30-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% · $108,000
Interest rate6.00%
Loan term

Estimated payment

$6,677/mo

Principal & interest$5,828
PMI (est., until 20% equity)$405
Property taxes (actual bill)$284
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
$352KedgeAI estimate $377,889 · range $367K$399K$1.1M

vs edgeAI estimate

+185.8%

$/sqft vs Groveland actives

$537 vs $201

Days on market

12 vs 44 typical

Where $537/sqft sits among the 225 Groveland actives

154
48
9
5
4
5 · this home
$153–217$217–281$281–345$345–409$409–473$473+

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 Groveland

Map of 18233 ROSE STREET

Drive times from this address

Downtown Orlando39 min
Universal Orlando42 min
Walt Disney World50 min
Orlando Int’l Airport (MCO)54 min

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

Get to know Groveland. See the full Groveland guide →

The numbers that matter

The Groveland market

Seller’s marketLeans seller3.6 months of inventoryBuyer’s market

$378K$405K

Groveland median sold, yr/yr

98.5%

Sale-to-list ratio (12 mo)

113 of 225

Groveland actives have cut their price

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

This home is listed 171% above the Groveland median. See the full Groveland market guide →

Paper trail

This home's history

Jul 22, 2026Listed at $1,080,000 · 12 days on market since
2006Built · LAKE EMMA SUB

Reality check

What actually sold near 18233 ROSE STREET

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

18033 ROSE STREETSold · Jan ’26

$999,999

18033 ROSE STREET · same community

4 bd · 3.5 ba · 3,484 sqft · $287/sqft · 309 DOM

494 WINSOME ALLEYSold · Jun ’26

$383,990

494 WINSOME ALLEY

3 bd · 2.5 ba · 2,003 sqft · $192/sqft · 8 DOM

490 WINSOME ALLEYSold · May ’26

$359,990

490 WINSOME ALLEY

3 bd · 2.5 ba · 2,003 sqft · $180/sqft · 210 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 18233 ROSE STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 18233 ROSE 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.

Goes straight to David’s phone and CRM.

Straight answers

18233 ROSE STREET FAQs

What would the monthly payment be for 18233 ROSE STREET?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,677/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 18233 ROSE STREET?+

The most recent tax bill on record (2025) was $3,413. 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 Groveland?+

At $1,080,000, this home is listed about 171% above the Groveland median of $398,995. The market section on this page shows how the area is trending.

Listing courtesy of COLDWELL BANKER HUBBARD HANSEN · Lydia Todd. MLS #G5114710.

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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