2876 SANDY CAY STREET, CLERMONT, FL, 34711
Active149 days on marketListed Mar 1, 2026MLS #O6386650
About this home
2876 SANDY CAY STREET
Welcome to 2876 Sandy Cay St in the sought after 55 plus community of Heritage Hills! This Paulson model is 3 bedroom plus an office and 2 bathrooms with a 3 car garage! Over 2100 sq. ft with amazing upgrades starting with NEW flooring in the entire home except for the kitchen and bathrooms which is tiled. NEW ROOF in 2023! Upon entering the spacious foyer you will notice the soaring 12 ft.ceilings in the main living area. Crown molding in the family room, dining room, kitchen, office and primary bedroom! The sliding doors in the family have a convenient remote shade! The kitchen features a breakfast nook, breakfast bar, tile backsplash and granite counter tops. The primary bedroom suite has 3 windows for lots of natural light, walk in closet, garden tub, dual sink granite counter tops and a walk in tiled shower. The office features double doors and is located at the front of the home. The screened extended lanai has an extended roof line and pavers for the flooring. You will enjoy this quiet neighborhood! Heritage Hills amenities include a heated pool and spa, pickle ball, tennis, basketball, bocce ball, shuffleboard, clubhouse with planned activities, lots of clubs to join, fitness center, art and crafts room, billiard room, card room and ballroom for holding events. Exterior is painted every 6 years, Spectrum cable and high speed internet and yard maintenance is included in the HOA fee! There is a 5 mile walking trail around the community. Call today for your private showing!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,123
Sqft
0.23 ac
Lot size
3
Garage
2014
Year built
One
Levels
$235
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.
$4,431 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,431/mo
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.
vs edgeAI estimate
+11.9%
$/sqft vs Clermont actives
$235 vs $223
Days on market
149 vs 33 typical
Where $235/sqft sits among the 400 Clermont 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 Heritage Hills
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clermont. See the full Clermont guide →
Heritage Hills — neighborhood snapshot
Population
3,343
Median age
52
Median income
$105,987
Median home value
$426,700
Avg household
3
Households w/ children
306
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)
196 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 7% above the CLERMONT 34711 median. See the full Clermont market guide →
Paper trail
This home's history
Reality check
What actually sold near 2876 SANDY CAY STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$485,000
3856 SANIBEL STREET · same community
3 bd · 2 ba · 2,109 sqft · $230/sqft · 23 DOM
Sold · Apr ’26$517,000
3791 SANIBEL STREET · same community
3 bd · 3 ba · 2,615 sqft · $198/sqft · 143 DOM
Sold · Feb ’26$420,000
4234 NEWLAND STREET
3 bd · 2 ba · 2,122 sqft · $198/sqft · 7 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 2876 SANDY CAY STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2876 SANDY CAY 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
2876 SANDY CAY STREET FAQs
What would the monthly payment be for 2876 SANDY CAY STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,431/mo — principal and interest, the actual property-tax bill, the $524/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 2876 SANDY CAY STREET?+
The association fee works out to $524 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2876 SANDY CAY STREET?+
The most recent tax bill on record (2025) was $7,000. 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 2876 SANDY CAY STREET?+
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 $499,900, this home is listed about 7% above the Clermont median of $466,500. The market section on this page shows how the area is trending.
Which schools are assigned to 2876 SANDY CAY STREET?+
Windy Hill Middle School (middle), East Ridge High School (high), Lost Lake Elementary School (elementary) — Lake County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Know the monthly fee
The association fee is $524/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
02Time on market is leverage
149 days on market against a Clermont median of 33 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Windy Hill Middle School, East Ridge High School, Lost Lake Elementary School — Lost Lake Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $510,000, now $499,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA REALTY · Patti Kincaid. MLS #O6386650.
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 Clermont homes, in your inbox
Like 2876 SANDY CAY STREET but not quite? A daily digest of every new listing in Clermont — 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 →