6398 CLOVER STREET, LAKE HAMILTON, FL, 33851
Active17 days on marketListed Jul 20, 2026MLS #S5153959
About this home
6398 CLOVER STREET
This charming home is assured to to catch your eye as you take notice of the upgraded elevation and enter its 8' exterior doorway. 7"x22" Wood PlankTile flooring graces the wet areas, main walkway, dining, kitchen, and great room. Ultra modern stainless steel GE appliances, white quartz countertops, undermount single stainless steel sink and white 42" cabinets highlight a lavish kitchen, with Chrome fixtures. Experience Florida living at its finest with a large covered lanai. An extra separate In-law Suite/Teen area. A large master bedroom with beautiful 8' door leading into en suite bathroom boasts a sleek, smooth-white shower enclosure and double vanity. A must have list of elegant upgrades you're sure to fall in love with. SAMPLE PHOTOS, actual homes as constructed may not contain the features and layouts depicted and may vary from image(s). Special financing rates and closing cost assistance may be available. Options may vary by community and offers are available on select homes only. Contact builder for more information!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,920
Sqft
0.12 ac
Lot size
2
Garage
2026
Year built
One
Levels
$188
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.
$2,489 /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
$2,819/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
+13.4%
$/sqft vs SEASONS AT SCENIC TERRACE
$188 vs $161
Days on market
17 vs 42 typical
Where $188/sqft sits among the 10 homes for sale in SEASONS AT SCENIC TERRACE
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.
The investor lens
Two ways this home pays
This home sits inside Seasons, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$1,995/mo median
Live Lake Hamilton rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Seasons
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Seasons is a short-term-rental community. See the full guide →
LAKE HAMILTON 33851 — neighborhood snapshot
Population
1,109
Median age
42
Median income
$77,557
Median home value
$175,400
Avg household
3.59
Households w/ children
128
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lake Hamilton market
$319K → $315K
Lake Hamilton median sold, yr/yr
99.0%
Sale-to-list ratio (12 mo)
2 of 10
SEASONS AT SCENIC TERRACE have cut their price
Median sold price, Lake Hamilton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% above the LAKE HAMILTON 33851 median. See the full Lake Hamilton market guide →
Paper trail
This home's history
Reality check
What actually sold near 6398 CLOVER STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$309,950
6175 DAPHNE STREET · same community
4 bd · 2 ba · 1,920 sqft · $161/sqft · 124 DOM
Sold · Sep ’25$329,950
6429 CLOVER STREET · same community
4 bd · 2 ba · 1,919 sqft · $172/sqft · 133 DOM
Sold · Aug ’25$350,000
3345 CHICORY COURT · same community
4 bd · 2 ba · 1,910 sqft · $183/sqft · 291 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 6398 CLOVER STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6398 CLOVER 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
6398 CLOVER STREET FAQs
What would the monthly payment be for 6398 CLOVER STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,489/mo — principal and interest, estimated property taxes, the $49/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 6398 CLOVER STREET?+
The association fee works out to $49 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 6398 CLOVER STREET?+
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.
Can 6398 CLOVER STREET be rented short-term?+
Yes — this home sits inside Seasons, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 6398 CLOVER 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 Lake Hamilton?+
At $360,265, this home is listed about 11% above the Lake Hamilton median of $323,261. The market section on this page shows how the area is trending.
Which schools are assigned to 6398 CLOVER STREET?+
Alta Vista Elementary School (elementary), Haines City Senior High School (high), Shelley S. Boone Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of AXEN REALTY, LLC · Stephanie Morales, LLC. MLS #S5153959.
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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