12946 STILLWATER COVE DRIVE, ASTATULA, FL, 34705
Active228 days on marketListed Dec 19, 2025MLS #O6368290
About this home
12946 STILLWATER COVE DRIVE
Pre-Construction. To be built. LAKEFRONT LOT…**Experience lakefront living on the Harris Chain of Lakes in Astatula, Florida. Lot 12 at Stillwater Cove offers direct water access for boating, fishing, and sunset views. This planned single-story home spans 2,455 sq. ft. of air-conditioned space with 9'4" ceilings, a 3-car garage, and a covered lanai for outdoor entertaining. Enjoy a gourmet kitchen with an island, walk-in pantry, and open great room design. The master suite features a spa-style bath with a frameless glass shower and standalone tub. Built to Florida’s 2023 code, the home includes hurricane straps, energy-efficient windows, and smart-home features. Minutes from Tavares and Mount Dora, this property blends luxury, safety, and the serenity of waterfront living.**
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,455
Sqft
1 ac
Lot size
3
Garage
2026
Year built
One
Levels
$485
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 and the real association fee — not generic estimates.
$7,077 /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
$8,168/mo
Includes estimated PMI — it drops off once you reach 20% equity. Estimates only — taxes at 1.1%/yr and typical insurance; 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
+127.9%
$/sqft vs Astatula actives
$485 vs $229
Days on market
228 vs 37 typical
Where $485/sqft sits among the 28 Astatula actives
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 Astatula
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Astatula. See the full Astatula guide →
ASTATULA 34705 — neighborhood snapshot
Population
3,212
Median age
40
Median income
$64,899
Median home value
$241,500
Avg household
2.88
Households w/ children
347
For the school run
Lake County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Astatula market
$308K → $304K
Astatula median sold, yr/yr
98.1%
Sale-to-list ratio (12 mo)
5 of 28
Astatula actives have cut their price
Median sold price, Astatula, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 217% above the ASTATULA 34705 median. See the full Astatula market guide →
Paper trail
This home's history
Reality check
What actually sold near 12946 STILLWATER COVE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$548,890
12917 FLORIDA AVENUE · same community
4 bd · 3 ba · 2,471 sqft · $222/sqft · 200 DOM
Sold · May ’26$564,000
12966 STILLWATER COVE DRIVE · same community
4 bd · 3 ba · 2,677 sqft · $211/sqft · 100 DOM
Sold · Jul ’26$599,990
12975 STILLWATER COVE DRIVE · same community
4 bd · 3 ba · 3,282 sqft · $183/sqft · 304 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 12946 STILLWATER COVE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12946 STILLWATER COVE 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.
Straight answers
12946 STILLWATER COVE DRIVE FAQs
What would the monthly payment be for 12946 STILLWATER COVE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $7,077/mo — principal and interest, estimated property taxes, 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 12946 STILLWATER COVE 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 12946 STILLWATER COVE DRIVE?+
The most recent tax bill on record (2025) was $0. 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 12946 STILLWATER COVE 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 Astatula?+
At $1,190,000, this home is listed about 217% above the Astatula median of $374,900. The market section on this page shows how the area is trending.
Which schools are assigned to 12946 STILLWATER COVE DRIVE?+
Tavares Middle School (middle), Tavares High School (high) — 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
$1,190,000 runs 217% above the ASTATULA 34705 median — but at 2,455 sqft it's also 55% larger than the typical Astatula listing.
02City & Water views
The city and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
228 days on market against a Astatula median of 37 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Jeffrey Hagen. MLS #O6368290.
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.
Never miss a listing
New Astatula homes, in your inbox
Like 12946 STILLWATER COVE DRIVE but not quite? A daily digest of every new listing in Astatula — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →