
12305 HOWEY CROSS ROAD, CLERMONT, FL, 34715
Active112 days on marketListed Apr 4, 2026MLS #S5147055
About this home
12305 HOWEY CROSS ROAD
Privacy, space & modern luxury — all in one. Completely renovated 5BD/3BA estate on 7.48 private acres with soaring beams, dream kitchen, screened pool & 4-car garage. Hilltop views, no HOA, nothing left to do but move in Where Space Meets Style in the Heart of Central Florida Some homes offer a house. This one offers a life. Perched among the rolling hills of Clermont's Sugar Loaf Mountain corridor — one of the few places in all of Florida where the land actually breathes — this fully renovated 5-bedroom, 3-bath estate sits on 7.48 private acres and delivers the kind of space most families only dream about. Every inch of this home has been thoughtfully updated, and it shows. Luxury vinyl plank flooring flows throughout, setting a clean, modern foundation that ties every room together. The heart of the home is an open-concept living, kitchen, and dining space anchored by stunning wood beams overhead — warm enough to feel like home, elevated enough to impress. The kitchen itself is a dream, with quartz counter tops, under-mount lighting and 9-foot island. While the walk in pantry will make even the most organized family smile. Double sliders erase the line between indoors and out, opening the living space directly to the screened pool and those sweeping hilltop views beyond. The primary suite is a true retreat — a spacious sanctuary finished with an oversized shower that feels more spa than suburb. The additional four bedrooms offer room for everyone, while the fully renovated bathrooms mean that nothing has been left for the next owner to do. The flex room off the kitchen provides the perfect additional space for entertaining or lounging. Outside, 7.48 open acres give your family space to breathe, play, and make your own. The screened-in heated pool/spa is ready for year-round Florida living, framed by views that remind you why you chose this zip code. A 4-car garage handles every hobby, vehicle, and storage need with ease. The entire property is enclosed with no-climb wire fencing — ready for livestock, horses, or hobby farming — with a separate inner fence creating a private yard around the home. A powered woodworking shed adds even more versatility that truly has room for every vision. Whether you're dreaming of a hobby farm, equestrian setup, or simply wide open space that's yours alone, the land delivers. No HOA. No compromises. Just a completely renovated, move-in-ready estate where privacy and style finally coexist — minutes from the Minneola Turnpike, top-rated schools, Crooked Can-Minneola, Montverde Academy, Advent Health and everything Central Florida has to offer. This is the one families wait years to find.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
3,300
Sqft
7.48 ac
Lot size
5
Garage
1989
Year built
One
Levels
$455
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 — not generic estimates.
$9,584 /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
$9,584/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
+83.8%
$/sqft vs NA
$455 vs $266
Days on market
112 vs 33 typical
Where $455/sqft sits among the 129 homes for sale in NA
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 → $450K
Clermont median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
56 of 129
NA have cut their price
Median sold price, Clermont, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 222% above the Clermont median. See the full Clermont market guide →
Paper trail
This home's history
Reality check
What actually sold near 12305 HOWEY CROSS ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$167,000
Carr 681 kM.HM 11.7 BO. ISLOTE SEC MELILLA · same community
3 bd · 1 ba · 3,514 sqft · $48/sqft · 27 DOM
Sold · Dec ’25$800,000
1751 SW 54TH COURT · same community
5 bd · 2.5 ba · 3,021 sqft · $265/sqft · 108 DOM
Sold · Feb ’26$429,900
37445 GRAYS AIRPORT ROAD · same community
4 bd · 2 ba · 2,496 sqft · $172/sqft · 50 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 12305 HOWEY CROSS ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12305 HOWEY CROSS ROAD — 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
12305 HOWEY CROSS ROAD FAQs
What would the monthly payment be for 12305 HOWEY CROSS ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,584/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 12305 HOWEY CROSS ROAD?+
The most recent tax bill on record (2025) was $9,208. 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 Clermont?+
At $1,500,000, this home is listed about 222% above the Clermont median of $466,500. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$1,500,000 runs 222% above the Clermont median — but at 3,300 sqft it's also 59% larger than the typical Clermont listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
112 days on market against a Clermont median of 33 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Scott Alexander. MLS #S5147055.
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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