David Ramirez
Pending
$389,900$409,0003 bd2 ba1,778 sqft$219 /sqft$3,015 /mo all-in ↓

1348 GOLDEN POND DRIVE, MINNEOLA, FL, 34715

Pending61 days on marketListed Jun 8, 2026MLS #O6414907

Priced 22% below the MINNEOLA 34715 medianReduced $19KSingle Family ResidenceMINNEOLA OAK VALLEY PH 03 LT 362 PB 50

About this home

1348 GOLDEN POND DRIVE

This house is not in a flood zone. 3-bedroom, 2-bath single-family waterfront home located in the Oak Valley community of Minneola. Situated on a huge 0.43-acre lot with approximately 95 feet of frontage on Golden Pond, this property includes 1,778 square feet of living space and water views from multiple rooms. The home features an open floor plan with vaulted ceilings, a split-bedroom layout, and a dedicated office/den. The updated kitchen includes solid wood cabinetry, stone countertops, an eat-in dining area, and updated appliances including a refrigerator, range, microwave, dishwasher, and ice maker. Sliding glass doors provide access to a screened rear porch overlooking the pond. The primary bedroom includes an en-suite bathroom and views of the backyard and water. Two additional bedrooms and a second full bathroom are located on the opposite side of the home. Exterior features include a fully fenced waterfront backyard with double-gate access, irrigation system, landscape lighting, rain gutters, sidewalks, and an attached two-car garage with driveway parking. The oversized lot provides additional outdoor space for recreation, gardening, or storage of permitted items. Built in 2005 with block and stucco construction, the home includes central air conditioning, public utilities, underground services, and high-speed internet availability. Roof replaced in 2022. Property Features: • 3 Bedrooms • 2 Bathrooms * Office/den with double doors • 1,778 Square Feet Living Area • 0.43-Acre Lot • Approximately 95 Feet of Frontage on Golden Pond • Screened Rear Porch • Open Floor Plan • Vaulted Ceilings • Stone Countertops • Solid Wood Cabinets • New Kitchen Appliances • Split-Bedroom Layout • Attached Two-Car Garage • Fully Fenced Backyard with Double-Gate Access • Irrigation System • Landscape Lighting • Block and Stucco Construction • Roof Replaced in 2022 • Central Air Conditioning • Public Utilities • High-Speed Internet Available

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,778

Sqft

0.43 ac

Lot size

2

Garage

2005

Year built

One

Levels

$219

Per sqft

Inside

FlooringCarpet · Luxury Vinyl
AppliancesDishwasher · Electric Water Heater · Ice Maker · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · High Ceilings · Living Room/Dining Room Combo · Open Floorplan · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Tray Ceiling(s) · Vaulted Ceiling(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesSouth
ExteriorIrrigation System · Lighting · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$19/mo
Taxes (2026)$4,416/yr
PetsBreed Restrictions, Number Limit

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Cable Connected · Electricity Connected · Phone Available · Public · Sewer Connected · Underground Utilities · 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.

$3,015 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,295
FHA mortgage insurance (est.)$172
Property tax — 2026 actual bill$368
HOA fee — from the listing$19
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,647Loan30-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% · $13,647
Interest rate6.00%
Loan term

Estimated payment

$3,015/mo

Principal & interest$2,295
FHA mortgage insurance (est.)$172
Property taxes (actual bill)$368
HOA / condo fee$19
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 $390K
$359KedgeAI estimate $394,887 · range $374K$418K$435K

vs edgeAI estimate

−1.3%

$/sqft vs Minneola actives

$219 vs $232

Days on market

61 vs 33 typical

Where $219/sqft sits among the 107 Minneola actives

31
29 · this home
16
12
10
9
$180–209$209–238$238–267$267–296$296–325$325+

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 Oak Valley

Map of 1348 GOLDEN POND DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Orlando36 min
Universal Orlando38 min
Walt Disney World41 min
Orlando Int’l Airport (MCO)50 min

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

Get to know Minneola. See the full Minneola guide →

Oak Valley — neighborhood snapshot

Population

1,701

Median age

42

Median income

$101,827

Median home value

$391,000

Avg household

3

Households w/ children

146

For the school run

Lake County School District

ElementaryMinneola Charter School★★★★
HighSouth Lake High School★★★★★

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

The numbers that matter

The Minneola market

Seller’s marketSeller’s market2.5 months of inventoryBuyer’s market

$515K$486K

Minneola median sold, yr/yr

98.3%

Sale-to-list ratio (12 mo)

52 of 107

Minneola actives have cut their price

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

This home is listed 22% below the MINNEOLA 34715 median. See the full Minneola market guide →

Paper trail

This home's history

CurrentPrice reduced to $389,900 $19K
Jun 8, 2026Listed at $409,000 · 61 days on market since
2005Built · MINNEOLA OAK VALLEY PH 03 LT 362 PB 50

Reality check

What actually sold near 1348 GOLDEN POND DRIVE

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

1106 HEATHER GLEN DRIVESold · Sep ’25

$397,000

1106 HEATHER GLEN DRIVE · same community

3 bd · 2 ba · 1,825 sqft · $218/sqft · 15 DOM

1132 HILL MOUNT DRIVESold · Aug ’25

$445,000

1132 HILL MOUNT DRIVE · same community

3 bd · 2 ba · 1,870 sqft · $238/sqft · 24 DOM

1123 LAKEVIEW OAKS DRIVESold · Jul ’26

$420,000

1123 LAKEVIEW OAKS DRIVE · same community

3 bd · 2 ba · 1,870 sqft · $225/sqft · 33 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 1348 GOLDEN POND DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1348 GOLDEN POND DRIVE — before you fall in love.

See it in person

Schedule a tour

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Goes straight to David’s phone and CRM.

Straight answers

1348 GOLDEN POND DRIVE FAQs

What would the monthly payment be for 1348 GOLDEN POND DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,015/mo — principal and interest, the actual property-tax bill, the $19/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 1348 GOLDEN POND DRIVE?+

The association fee works out to $19 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1348 GOLDEN POND DRIVE?+

The most recent tax bill on record (2026) was $4,416. 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 1348 GOLDEN POND DRIVE?+

The listing reports pets: Breed Restrictions, Number Limit. 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 Minneola?+

At $389,900, this home is listed about 28% below the Minneola median of $541,490. The market section on this page shows how the area is trending.

Which schools are assigned to 1348 GOLDEN POND DRIVE?+

Minneola Charter School (elementary), South Lake 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

01Under the MINNEOLA 34715 market on paper

$389,900 is 22% below the MINNEOLA 34715 median of $499,995, and at $219/sqft it sits under the Minneola average of $246.

02Strong assigned schools

Minneola Charter School, South Lake High School — Minneola Charter School rates 4 of 5. Always verify assignments with the district.

03The price has already moved

Listed at $409,000, now $389,900 — a $19K cut. The full history is in the market section below.

Listing courtesy of BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6414907.

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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