12728 CYNTHIA LANE, CLERMONT, FL, 34715
Active13 days on marketListed Jul 23, 2026MLS #O6427578
About this home
12728 CYNTHIA LANE
Welcome home to this beautifully maintained property where privacy, quality craftsmanship, and versatile living come together on a spacious lot backing to mature trees in Clermont's rolling hills. This custom home features durable steel stud construction, a roof less than one year old, a long winding driveway, and an inviting covered front porch that creates timeless curb appeal from the moment you arrive. Inside, the open-concept layout is warm and inviting, with crown molding adding a polished, elevated touch throughout. The heart of the home is the well-appointed kitchen, featuring granite countertops, stainless steel appliances, custom wood cabinetry, abundant counter space, and a breakfast bar that flows seamlessly into the living and dining areas—perfect for everyday living and entertaining. Abundant natural light and quality finishes add warmth and character throughout. The spacious primary suite offers a peaceful retreat with a sitting area, walk-in closet, plantation shutters, and an updated en-suite bath featuring a garden soaking tub, separate glass-enclosed shower, and dual vanities. Step outside to the rear screened and covered porch overlooking the fully fenced backyard, where mature trees provide privacy and a peaceful setting for morning coffee, quiet evenings, or weekend gatherings. A standout feature of the property is the detached 24' x 30' workshop/garage with a matching metal roof. The main level features a single garage bay and spacious workshop area, while the finished loft/storage level above offers spray foam insulation, plywood flooring, lighting, and endless possibilities for hobbies, storage, or creative workspace. Conveniently located near Clermont's lakes, parks, shopping, dining, and major roadways, this property offers the perfect balance of peaceful country living and everyday convenience. If you've been searching for a home that offers quality construction, exceptional workshop space, and room to spread out, this is one you won't want to miss.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,195
Sqft
1 ac
Lot size
2
Garage
1994
Year built
One
Levels
$308
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.
$4,349 /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
$4,349/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
+33.3%
$/sqft vs Clermont actives
$308 vs $225
Days on market
13 vs 42 typical
Where $308/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 Clermont
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clermont. See the full Clermont guide →
The numbers that matter
The Clermont market
$443K → $448K
Clermont median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
202 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 44% above the Clermont median. See the full Clermont market guide →
Paper trail
This home's history
Reality check
What actually sold near 12728 CYNTHIA LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$628,000
12540 CYNTHIA LANE · same community
3 bd · 2 ba · 2,117 sqft · $297/sqft · 27 DOM
Sold · Aug ’25$795,000
12565 CYNTHIA LANE · same community
4 bd · 3.5 ba · 2,476 sqft · $321/sqft · 54 DOM
Sold · Mar ’26$549,000
1109 CANOPY VIEW WAY
3 bd · 2 ba · 2,214 sqft · $248/sqft · 39 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 12728 CYNTHIA LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12728 CYNTHIA LANE — 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
12728 CYNTHIA LANE FAQs
What would the monthly payment be for 12728 CYNTHIA LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,349/mo — principal and interest, the actual property-tax bill, the $10/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 12728 CYNTHIA LANE?+
The association fee works out to $10 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 12728 CYNTHIA LANE?+
The most recent tax bill on record (2025) was $3,404. 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 12728 CYNTHIA LANE?+
The listing reports pets: Number Limit, 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 $675,000, this home is listed about 44% above the Clermont median of $469,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of BLUE MARLIN REAL ESTATE · Dana Vander Meer. MLS #O6427578.
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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