13 WHITE HORSE WAY, GROVELAND, FL, 34736
Active147 days on marketListed Mar 13, 2026MLS #TB8485597
About this home
13 WHITE HORSE WAY
ATTACHED APARTMENT WITH IT’S OWN FRONT DOOR ENTRANCE! Multi-Generational - In Law Suite!! No rear neighbors! Move In Ready!! Spacious and beautifully maintained former model home with many upgrades offering over 3,600 sq ft of living space with 5 bedrooms and 3.5 bathrooms. This one-owner property features neutral décor throughout, creating a clean and versatile backdrop for any style. Meticulous and spacious inside and out, the home offers added privacy with no rear neighbors. Inside, you’ll find a large laundry room with an additional storage closet and ample storage throughout the home. The 3-car garage includes a 2-car tandem space plus an additional single bay, providing plenty of room for vehicles, hobbies, or extra storage. A standout feature is the separate in-law apartment with its own private front entrance, offering flexible living options for guests, extended family, or multi-generational living. The in-law suite includes its own washer and dryer, dishwasher, refrigerator, kitchenette, sink, walk-in shower, walk-in closet, and separate A/C unit. Conveniently located approximately 1 mile from the new Cherry Lake Preparatory School, Cherry Lake Park, and just 12 minutes from the new "under development" Minneola shopping district ~ which is being designed with a charming small-town feel. The Minneola Shopping district will feature popular destinations such as Crooked Can Brewery, Three Birds Café, splash pads and plenty of both shopping and places to grab a bite. 10 short minutes to Downtown Clermont and 25 minutes from Downtown Winter Garden. Nearby attractions include Walt Disney World and Universal Studios (approximately 45 minutes), SeaWorld (about 55 minutes), Cocoa Beach (about 2 hours), and Clearwater Beach (about 2.5 hours).
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,663
Sqft
0.22 ac
Lot size
3
Garage
2020
Year built
Two
Levels
$153
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.
$4,634 /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
$4,634/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
−7.9%
$/sqft vs Groveland actives
$153 vs $202
Days on market
147 vs 48 typical
Where $153/sqft sits among the 221 Groveland 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 Groveland
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Groveland. See the full Groveland guide →
The numbers that matter
The Groveland market
$378K → $400K
Groveland median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
111 of 221
Groveland actives have cut their price
Median sold price, Groveland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 40% above the Groveland median. See the full Groveland market guide →
Paper trail
This home's history
Reality check
What actually sold near 13 WHITE HORSE WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$570,000
49 WHITE HORSE WAY · same community
5 bd · 3.5 ba · 3,510 sqft · $162/sqft · 42 DOM
Sold · Dec ’25$415,000
848 CARMILLION COURT · same community
4 bd · 2.5 ba · 3,031 sqft · $137/sqft · 24 DOM
Sold · Oct ’25$495,000
71 WHITE HORSE WAY · same community
4 bd · 3 ba · 2,616 sqft · $189/sqft · 25 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 13 WHITE HORSE WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 13 WHITE HORSE WAY — 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
13 WHITE HORSE WAY FAQs
What would the monthly payment be for 13 WHITE HORSE WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,634/mo — principal and interest, the actual property-tax bill, the $71/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 13 WHITE HORSE WAY?+
The association fee works out to $71 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 13 WHITE HORSE WAY?+
The most recent tax bill on record (2025) was $10,262. 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 13 WHITE HORSE WAY?+
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 Groveland?+
At $560,500, this home is listed about 40% above the Groveland median of $398,995. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$560,500 runs 40% above the Groveland median — but at 3,663 sqft it's also nearly twice the size of the typical Groveland listing.
02Time on market is leverage
147 days on market against a Groveland median of 48 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $599,999, now $560,500 — a $39K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LUXE PROPERTIES · Cara Hagan. MLS #TB8485597.
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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