New — 1 days on market Single Family Residence
$1,125,000
3-Bedroom Home in OAK HAVEN ESTATES

10547 LAKESHORE DRIVE, CLERMONT, FL 34711

Single Family Residence in OAK HAVEN ESTATES, CLERMONT · No CDD
OAK HAVEN ESTATES · CLERMONT, FL 34711 · Lake
Listing data updated July 23, 2026 · refreshed twice daily
3Bedrooms
2.5Bathrooms
2,331Sq Ft
1989Year Built
$483Per Sq Ft
Waterfront2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
81% above
$/sq ft vs community
$483 here vs $267 median sold (12 mo)
Zone X
Flood risk
Minimal hazard per FEMA; ~20 ft elevation
$5k–$10k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.

Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights
  • No CDD assessment on record
  • Built 1989 · 37 yrs
  • 2,331 sq ft of living area
  • 2-car garage
  • New to market
  • HOA ~$50/mo (estimate; confirm)
Momentum Research · WINDSOR CAY PH 1

Pricing & the WINDSOR CAY PH 1 market

How this home is priced against recent nearby sales, and where WINDSOR CAY PH 1 has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.

Price vs. size in WINDSOR CAY PH 1

Each dot is a closed sale since 2024 (223 total). This home is the gold marker.

$496k$861k$1.2M2,0843,7515,418This home: $1,125,000, 2,331 sq ftThis homeSale price

Sale price (y) by living area in sq ft (x). realMLS closed sales.

Median $/sq ft by year

Community sold $/sq ft, 2024–2026. This home lists at $483/sq ft.

$235$253$2702024: $23820242025: $25620252026: $2672026

Median sale price by year

12-month median closed price, 2024–2026.

$739k$761k$783k2024: $779k20242025: $744k20252026: $764k2026
Property timeline

This home’s history

  • 1989BuiltPer public record
  • Jul 10, 2026First trackedObserved at $1,125,000
  • NowActiveCurrently for sale

Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.

Financing

Estimated monthly payment

$7,321/mo
  • Principal & interest $5,700/mo 78%
  • Taxes $984/mo 13%
  • Insurance $587/mo 8%
  • HOA $50/mo 1%

$7,321/mo at 20% down, 30-yr @ 6.52% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Momentum Scores

Momentum Property Score

49/100
Strongest on: Flood safety (95), Buyer competition (95)
0 limited50100 exceptional

49/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.

A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.

Price vs area0
This home $483/sq ft vs the community 12-month median $267/sq ft.
Affordability0
List price $1,125,000 vs the community median $763,850. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost61
From FEMA Zone X and a 1989 build. Obtain a property-specific quote.
Market liquidity60
Community inventory (12-month record).
Renovation upside42
From a 1989 build and $483/sq ft vs the community median $267/sq ft. Not a condition assessment.
Buyer competition95
5% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power40
Recent sales closed at about 100.0% of original asking (~0.0% below). More room below asking generally favors buyers.

Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟡 Asking $483 per square foot, about 81% above the community’s $267 median. WINDSOR CAY PH 1’s 12-month median sold price per square foot is $267. Median sold price per square foot is up 2.7% year over year. Confidence: Very High · 63 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

Recent WINDSOR CAY PH 1 sales closed near 100.0% of original asking. Cash paid for about 5% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending July 15, 2026. Aggregates only; deemed reliable but not guaranteed.

What’s unique here: one of only 996 active listings in WINDSOR CAY PH 1, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated July 23, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

Welcome to an extraordinary waterfront retreat on the shores of Lake Crescent, part of the Clermont Chain of Lakes. Perfectly positioned on an impressive 1.2-acre homesite, this exquisitely remodeled residence offers the ideal blend of contemporary luxury, timeless craftsmanship, and breathtaking lakefront living. From the moment you arrive, the property's stately mature trees and beautifully refreshed exterior create an unforgettable first impression.

Recent improvements include a brand-new roof (2026), fresh Sherwin-Williams exterior paint, new front sod, a fully functional irrigation system supplied by a private well, elegant LED soffit lighting, a striking Therma-Tru contemporary front door, and new sliding glass doors that seamlessly connect the interior to the spectacular waterfront views. Inside, every detail has been thoughtfully curated with modern finishes. Rich oak-toned luxury vinyl plank flooring flows throughout the home, complemented by custom metal stair railings, LED lighting, and an airy open-concept floor plan that captures panoramic lake views from the main living spaces.

The inviting great room serves as the heart of the home, anchored by a stunning floor-to-ceiling stone wood-burning fireplace that adds warmth and character while framing the picturesque waterfront backdrop. Designed for both everyday living and elegant entertaining, the gourmet kitchen is a true showpiece. It features a premium KitchenAid appliance package—including a refrigerator, microwave, range, dishwasher, and wine cooler—alongside custom slim shaker soft-close cabinetry, luxurious quartz countertops, and an oversized waterfall-edge island with convenient pop-up outlets.

Also a coffee bar, under-cabinet lighting, and 4-inch recessed LED lighting elevate both functionality and style. The thoughtfully designed floor plan offers the convenience of a first-floor primary suite, creating a private retreat with tranquil views of Lake Crescent. The primary bathroom has been beautifully renovated with a spacious walk-in shower featuring premium Kohler fixtures, an impressive 84-inch double-sink vanity, and a dramatic oversized LED mirror that creates a true spa-like atmosphere.

Upstairs, a comfortable loft provides the perfect flex space for a second living area, office, or reading nook. Both guest bedrooms enjoy beautiful views of Lake Crescent, while the larger bedroom opens to its own private balcony. A fully renovated upstairs bathroom features a modern walk-in shower, stylish new vanity, and contemporary finishes.

A convenient half bath on the main level adds functionality for family and guests. Additional upgrades include a new tankless water heater, new interior doors, baseboards, ceiling fans, Kohler toilets, and a new garage door opener, ensuring this home is as functional as it is beautiful. Step outside to discover an expansive backyard with sweeping views of Lake Crescent, offering endless possibilities for entertaining, recreation, or simply enjoying the peaceful waterfront setting.

The private dock has been updated with new pressure-treated lumber, making it the perfect place to fish, boat, kayak, or take in unforgettable sunsets over the Clermont Chain of Lakes. Just minutes from Highway 27, shopping, dining, and everyday conveniences, you'll enjoy the perfect balance of peaceful lakefront living and easy access to everything Clermont has to offer.

Description provided by COLDWELL BANKER HUBBARD HANSEN and reproduced from the MLS; not independently verified.

Property facts & sources

Every fact, sourced

Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$1,125,000
Bed / bath3 / 2.5
Living area2,331 sq ft
Year built1989
Property typeSingle Family Residence
Garage2-car
MLS #G5114373
Listing statusNew — 1 days on market

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~20 ft
Windstorm exposureLow
CountyLake
Area listings996 active · 331 under contract
Estimated first-year tax~$11,812/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$483
Estimated monthly payment$7,321
Insurance (illustrative)$5k–$10k/yr
Comparable-sales median$763,850

Buyer should verify Buyer verify

Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of COLDWELL BANKER HUBBARD HANSEN · Listing agent: Kaley Hansen · 352-394-4031Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™

The Messtimate

This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.

$547,785the mess$696,969

Actual list price: $1,125,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 27% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
  • Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.

And here's what the live market is doing — which the number above ignores entirely:

  • 971 active listings competing, 329 under contract

For reference, this home is listed at $1,125,000 ($483/sq ft) — a number set with analysis a Messtimate can't do.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 2,331 sq ft × $235–$299/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 23, 2026.

Keep looking

Similar homes for sale near OAK HAVEN ESTATES

Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.

Transparency

Price & listing history

Listed for $1,125,000Momentum Realty · on market 1 days
Public records

Building permits

Permit history not yet linkedAdd county permit records via overrides
Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

Property tax (first-year est.)
~$11,812/yr

A rough first-year estimate only, applying a typical Lake rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None

No CDD assessment on record for this community.

Insurance (illustrative range)
$5k–$10k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.

HOA
$50/mo

Covers the master association & common areas. Confirm exact dues and what they include.

Environmental data

Flood zone & elevation

Sourced environmental data for the parcel. Confirm with FEMA and your insurer.

FEMA flood zone
Zone X

From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.

Ground elevation
~20 ft

Approximate parcel elevation from USGS. Run --online for a live reading.

Windstorm / insurance
Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Market data · public records

Recent sales activity in OAK HAVEN ESTATES

Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the OAK HAVEN ESTATES neighborhood guide for more.

Comparable sales found
0

Recent nearby closings in the data set.

Community median sale price
$763,850

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$267

Canonical 12-month median $/sq ft. Reference only.

Go deeper on OAK HAVEN ESTATES

See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.

Assigned schools

Assigned schools

Schools currently assigned to this address in Lake County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.

School zoningThis address is in the Lake County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
How it stacks up

Comparable recent sales

Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.

No closely comparable recent sales were found in this data set.

If you rent it out

Investment snapshot

Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.

Estimated rent$5,156 – $7,500/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.3%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$2,325 – −$215At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide

Buyer research checklist

A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.

  • Confirm roof age and condition during inspection.
  • Confirm HVAC age and condition during inspection.
  • Request current HOA documents before relying on dues or restrictions.
  • Obtain an insurance quote for this specific property.
  • Confirm school zoning directly with the district.
  • Order a survey to confirm lot boundaries.
  • Review permit history with the county.
  • Confirm whether flood insurance is required for this parcel.
  • Confirm square footage and room dimensions independently.
  • Ask the county how property taxes may change after a sale.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Provenance

Data sources & freshness

Listing recordrealMLS, refreshed twice daily (last: July 23, 2026)
Community market statsrealMLS closed sales, as of July 15, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costEstimated from county rates; not a quote
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

Why might my property taxes differ from the current owner's?

Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Where does the flood-zone information come from?

The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

Ready when you are

See 10547 LAKESHORE DRIVE in person

Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.

Call (904) 351-6461

Momentum Realty · licensed in FL & GA

Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.

Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.

Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.

Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.