783 days on market (MLS) Single Family Residence ▼ Price cut: $15,000 (8/7)
$510,000
4-Bedroom Home in OVERLOOK AT LAKE LOUISA

13144 Coldwater Loop, Clermont, FL 34711

Single Family Residence in OVERLOOK AT LAKE LOUISA, CLERMONT · No CDD on record
OVERLOOK AT LAKE LOUISA · Clermont, FL 34711 · Lake County
Listing data updated October 14, 2026 at 8:42 AM ET · checked against the MLS hourly
4Bedrooms
3Bathrooms
2,309Sq Ft
2007Year Built
$221Per Sq Ft
2-car garageNo CDD on recordFEMA Zone X4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
10% above
$/sq ft vs community
$221 here vs $200 median sold (12 mo)
Buyer leverage
Strong buyer advantage
783 days on market
9.6 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~184 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 8 of 12
Price vs recent sales
Asking $510k tops 8 of the last 12 closed sales

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

Highlights

As of October 14, 2026, 13144 Coldwater Loop in Overlook At Lake Louisa, Clermont is listed at $510,000 (2,309 sq ft, about $221 per sq ft). That sits within a few percent of Overlook At Lake Louisa's median closed sale of $479,450 over the last 12 months (4 recorded sales). Per square foot it is above the community's recent $200/sq ft by about 10%. It has been 783 days on market, longer than the community's typical 44 days to contract. Listing facts: built in 2007, HOA dues of $41/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.

  • No CDD assessment on record
  • Built 2007 · 19 yrs
  • 2,309 sq ft of living area
  • 2-car garage
  • Listed at $510,000 — recent neighborhood median sale price ~$479,450 (nearby sales; deemed reliable, not an appraisal)
  • 783 days on market
  • HOA $41/mo (per listing)
Listing description

About this home

New lower Price, Seller will replace roof upon contract to be paid at closing. Indulge in the allure of this captivating 4-bedroom, 3-bathroom family residence nestled within the picturesque rolling hills of Clermont, Central Florida—a coveted locale admired for its scenic beauty and proximity to Lake Louisa State Park. Meticulously maintained, this home presents a wealth of possibilities within its well-appointed interiors.

Discover a harmonious blend of functionality and elegance, highlighted by a thoughtfully designed layout boasting a Jack and Jill bathroom, soaring cathedral ceilings, and a master bedroom adorned with a charming tray ceiling and polished wooden flooring. Enjoy the luxury of his and hers closets and seamless access to the lanai—an ideal retreat for relaxation and outdoor entertainment. Elevating everyday living, the residence features distinct areas for formal gatherings and casual relaxation, including a spacious formal living room, a refined dining area, and a cozy family room seamlessly integrated with a well-equipped kitchen.

Delight in the culinary experience with ample cabinetry, granite countertops, and a convenient eat-in dinette, perfectly positioned to overlook the family room. Step outside to discover the screened patio lanai, adorned with tasteful tile flooring—an inviting space to savor the Florida sunshine in style. Positioned mere minutes from major thoroughfares such as Highway 27, Highway 50, the Turnpike, and Interstate 4, as well as an array of renowned attractions, restaurants, and shopping destinations, this residence epitomizes the epitome of Central Florida living at its finest.

All 52 photos

13144 Coldwater Loop, Clermont FL - photo 6 of 5213144 Coldwater Loop, Clermont FL - photo 7 of 5213144 Coldwater Loop, Clermont FL - photo 8 of 5213144 Coldwater Loop, Clermont FL - photo 9 of 5213144 Coldwater Loop, Clermont FL - photo 10 of 5213144 Coldwater Loop, Clermont FL - photo 11 of 5213144 Coldwater Loop, Clermont FL - photo 12 of 5213144 Coldwater Loop, Clermont FL - photo 13 of 5213144 Coldwater Loop, Clermont FL - photo 14 of 5213144 Coldwater Loop, Clermont FL - photo 15 of 5213144 Coldwater Loop, Clermont FL - photo 16 of 5213144 Coldwater Loop, Clermont FL - photo 17 of 5213144 Coldwater Loop, Clermont FL - photo 18 of 5213144 Coldwater Loop, Clermont FL - photo 19 of 5213144 Coldwater Loop, Clermont FL - photo 20 of 5213144 Coldwater Loop, Clermont FL - photo 21 of 5213144 Coldwater Loop, Clermont FL - photo 22 of 5213144 Coldwater Loop, Clermont FL - photo 23 of 5213144 Coldwater Loop, Clermont FL - photo 24 of 52

Description provided by LA ROSA RTY WINTER GARDEN LLC and reproduced from the MLS; not independently verified.

Listing courtesy of LA ROSA RTY WINTER GARDEN LLC · Listing agent: Wilfredo Gomez · 407-614-5158Provided 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.
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$510,000
Bed / bath4 / 3
Living area2,309 sq ft
Year built2007
Property typeSingle Family Residence
Garage2-car
MLS #G5083315
Listing status783 days on market (MLS)

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~184 ft
CountyLake
Area listings4 active · 0 under contract
Estimated first-year tax~$5,355/yr
CDD assessmentNone on record
HOA$41/mo

Calculated estimates

Price per sq ft$221
Estimated monthly payment$3,514
Insurance (illustrative)$2k–$4k/yr
Messtimate range$464,109 – $607,267
Comparable-sales median$479,450

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
Financing

Estimated monthly payment

$3,514/mo
  • Principal & interest $2,825/mo 80%
  • Taxes $446/mo 13%
  • Insurance $202/mo 6%
  • HOA $41/mo 1%

$3,514/mo at 20% down, 30-yr @ 7.4% · edit any field to update.

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

What it really costs to own 13144 Coldwater Loop

The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.

HOA dues$41/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insuranceThe average Citizens Property Insurance premium in Lake County is $1,756/yr (3,500 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,500–$3,500/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and ageBuilt in 2007. An original roof would be about 19 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
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.)
~$5,355/yr

Estimate: a typical Lake effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None on record

No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.

Insurance (illustrative range)
$2k–$4k/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
$41/mo

Per the MLS listing. Confirm exact dues and what they include with the association.

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
~184 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.

Hazard risk

Natural hazard risk

FEMA National Risk Index for Lake County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.

HurricaneRelatively High
Coastal floodingVery Low
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windVery High
DroughtRelatively Low
HailRelatively Low
Cold waveRelatively Low

Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.

Connectivity

Internet & broadband

Fiber
Check availability

Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.

Cable
Check availability

Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.

Fixed wireless / satellite
Check availability

5G home internet and satellite service depend on the exact location; check coverage for this address.

Momentum Research · Overlook At Lake Louisa

Pricing & the Overlook At Lake Louisa market

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

This home’s $/sq ft vs. nearby sales

List $/sq ft against recent nearby closed sales; the community median is marked.

Price per sq ft · this home vs. recent nearby sales1250 LATTIMORE DRIVE1250 LATTIMORE DRIVE: $192/sq ft$19214384 HIDDEN COURT14384 HIDDEN COURT: $201/sq ft$201This homeThis home: $221/sq ft$22110809 VINEYARD COURT10809 VINEYARD COURT: $222/sq ft$22211110 OLEANDER DRIVE11110 OLEANDER DRIVE: $258/sq ft$25810843 POINCIANA DRIVE10843 POINCIANA DRIVE: $263/sq ft$263238 E LAKESHORE DRIVE238 E LAKESHORE DRIVE: $409/sq ft$409Community median $200

Price vs. size in Overlook At Lake Louisa

Each dot is a closed sale since 2006 (101 total). This home is the gold marker.

$92k$498k$904k1,5193,1364,753This home: $510,000, 2,309 sq ftThis homeSale price

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

Median $/sq ft by year

Community sold $/sq ft, 2012–2026. This home lists at $221/sq ft.

$64$145$2252012: $8020122013: $952014: $8620142015: $1032016: $11220162017: $1112019: $12120192021: $1592022: $18520222023: $1922025: $21020252026: $2002026

Median sale price by year

12-month median closed price, 2012–2026.

$133k$402k$672k2012: $185k20122013: $223k2014: $255k20142015: $242k2016: $268k20162017: $272k2019: $317k20192021: $400k2022: $483k20222023: $555k2025: $620k20252026: $479k2026

Market Heat by year (0–100)

Momentum Market Heat, 2013–2026. Now 31 (cold).

1754922013: 7020132014: 3020142015: 2420152016: 4820162017: 3120172022: 8520222023: 6720232026: 312026
Property timeline

This home’s history

  • 2007BuiltPer public record
  • About Aug 2024Listed (per MLS)MLS reports 783 cumulative days on market as of October 14, 2026
  • Jul 10, 2026First seen on movewithmomentum.comObserved at $525,000
  • Aug 7, 2026Price cut$510,000 (-$15,000, -2.9%)
  • NowActiveCurrently for sale

Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.

Transparency

Price & listing history

Listed for $510,000Momentum Realty · on market 783 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up

Comparable recent sales

6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.

Median of these 6 sales: $479,450 ($200/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.

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.

$464,109the mess$607,267

Stronger local evidence — 6 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.

Actual list price: $510,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 31% 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 — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
  • Carrying costs & concessions — this home carries HOA dues of $41/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.

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

  • This home: 783 days on market vs. a 44-day community median
  • 3 active listings competing, 1 under contract
  • ≈9.6 months of supply
  • 5 closed here in the last 12 months

For reference, this home is listed at $510,000 ($221/sq ft). The list price is the seller's asking price and is not derived from this range.

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: 2,309 sq ft × $201–$263/sq ft (interquartile band of 6 comparable closed sales within about 3 miles, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 14, 2026.

Momentum Scores

Momentum Property Score

57/100
Strongest on: Flood safety (95), Insurance cost (74)
0 limited50100 exceptional

57/100 is solid, mid-pack 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 area24
This home $221/sq ft vs the community 12-month median $200/sq ft.
Affordability39
List price $510,000 vs the community median $479,450. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~184 ft elevation. Verify the parcel with FEMA.
Insurance cost74
From FEMA Zone X and a 2007 build. Obtain a property-specific quote.
Market liquidity37
Community median 44 days on market, ~9.6 months of supply (12-month record).
Pricing power62
Recent sales closed at about 95.5% of original asking (~4.5% below). More room below asking generally favors buyers.
Market timing69
Momentum Market Heat is 31/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.

Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.

Momentum Research

The Momentum read

🟢 Buyer-leaning conditions around this listing. 9.6 months of supply in the surrounding market and 783 days on market for this home, against a 44-day area median.Days on market:this home 783Area median:  44 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2006 through 2026. As of September 20, 2026.

🟡 Asking $221 per square foot, about 10% above the community’s $200 median. Overlook At Lake Louisa’s 12-month median sold price per square foot is $200. Median sold price per square foot is down 22.7% year over year. Confidence: Low · 4 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

76% of homes in Overlook At Lake Louisa are owner-occupied. An estimated 24% are non-owner-occupied, including 4% held in a company or trust and 9% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 97 homes matched. Community-level context.

Recent Overlook At Lake Louisa sales closed near 95.5% of original asking.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 Stellar MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.

What’s unique here: one of only 4 active listings in Overlook At Lake Louisa, no CDD assessment.

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

Updated October 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Seen enough photos?

Want to see 13144 COLDWATER LOOP?

Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.

Listed by LA ROSA RTY WINTER GARDEN LLC · MLS # G5083315

Request a showing

or call (904) 351-6461
Keep looking

Similar homes for sale near OVERLOOK AT LAKE LOUISA

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.

Newest listings in CLERMONT

  • 17329 Hickory Wind Drive, CLERMONT · $895,000 · 4 bd / 3.0 ba · listed October 14, 2026 (courtesy of MARCILLO REAL ESTATE LLC)
  • 4528 Orchard View Alley, CLERMONT · $444,990 · 4 bd / 2.5 ba · listed October 14, 2026 (courtesy of PULTE REALTY OF NORTH FLORIDA LLC)
  • 4480 Lions Gate Ave Avenue, CLERMONT · $584,999 · 4 bd / 3.5 ba · listed October 14, 2026 (courtesy of LINART REALTY, LLC)
  • 1120 Chestnut Street, CLERMONT · $499,900 · 4 bd / 2.0 ba · listed October 13, 2026 (courtesy of EPIC REAL ESTATE ADVISORS LLC)
  • 9000 US Hwy 192 #81, CLERMONT · $95,000 · 1 bd / 1.0 ba · listed October 13, 2026 (courtesy of RE/MAX HERITAGE)
  • 14428 Crestavista Avenue, CLERMONT · $630,000 · 5 bd / 3.5 ba · listed October 13, 2026 (courtesy of FLORIDA REALTY INVESTMENTS)

Just listed: new homes for sale in Central Florida & Tampa Bay in the last 48 hours · updated hourly · RSS · Central Florida & Tampa Bay market today: new listings, price cuts, pendings

In the area

Recent Overlook At Lake Louisa news

Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.

Sep 2026 · Development

Orange County commissioners approve Tuscana land use plan in Shingle Creek Basin on 4-3 vote

Commissioners voted 4-3 to approve the Tuscana land use application from Shingle Creek Co-Owners LLC and Geyer Development, reversing a unanimous rejection in May 2025. The plan includes more than 1,000 hotel rooms, about 4,000 apartments and commercial buildings, with conditions for a raised road, flood mitigation and wetland protection. The developer projects thousands of jobs at full build-out.

Why it matters: The approval could add substantial rental housing, hotel capacity and commercial space in the Shingle Creek area, while flood-mitigation conditions will shape how and when it is built. The site is about 9 miles east of Overlook At Lake Louisa.

Spectrum News 13

Sep 2026 · Development

Lake County approves 2,241-acre Panther Run rezoning for up to 2,624 homes near Clermont

The Lake County Commission voted 3-1 on Sept. 1 to rezone about 2,241 acres in the Wellness Way area, north of Sawgrass Bay Boulevard, for GT Homes. The planned unit development allows up to 2,624 residential units and more than 1 million square feet of non-residential space, with sites reserved for a future public high school and public safety facilities. Plans include extending County Road 455 and about 11 miles of public trails.

Why it matters: The plan adds long-term housing supply, employment space and new connector roads in south Lake County, with infrastructure planned ahead of residential growth. The site is about 5 miles northwest of Overlook At Lake Louisa.

Clermont Sun

Aug 2026 · Retail Dining

Plans for Mattel indoor water park near Lake Buena Vista Factory Stores expand to 13 acres

Updated plans for the site off State Road 535 show a 95,000-square-foot indoor water park designed by Martin Aquatic, a separate 45,000-square-foot entertainment building and nearly 900 parking spaces. The tower height rises to as much as 100 feet and still needs Orange County approval. About 200 jobs are expected, and no opening date has been announced.

Why it matters: The project would add visitor attractions, dining and roughly 200 jobs near the State Road 535 corridor, with added traffic and parking demand nearby. The site is about 7 miles east of Overlook At Lake Louisa.

FOX 35 Orlando

Mar 2025 · Development

Lake County approves rezoning for the Wolf Branch Innovation District near Mount Dora

Lake County approved a rezoning for the Wolf Branch Innovation District, a large mixed-use employment district planned near Mount Dora and State Road 46, clearing the way for a long-term jobs and commercial hub in east Lake County.

Why it matters: A large new employment and mixed-use district near Mount Dora points to long-term job growth in east Lake County, a structural demand driver for housing in the surrounding area. The project is about 30 miles north of Overlook At Lake Louisa, elsewhere in Lake County.

GrowthSpotter

Go deeper

More on OVERLOOK AT LAKE LOUISA

Go deeper on OVERLOOK AT LAKE LOUISA

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.
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

Before you decide

Buyer research checklist

Items worth confirming for 13144 Coldwater Loop, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 2007 (19 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
  • HOA dues are listed at $41/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
  • FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
  • Get a homeowners insurance quote for this specific address in Lake County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
  • Listed living area is 2,309 sq ft: verify it against the property appraiser's record and measure before relying on it.
  • Order a survey to confirm lot boundaries and easements.
  • Review permit history with the county.
  • Property taxes: the estimate on this page (about $5,355/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
  • Confirm school zoning directly with the district.
Provenance

Data sources & freshness

Listing recordStellar MLS, checked against the MLS hourly (last: October 14, 2026)
Comparable salesStellar MLS closed sales within about 3 miles, last 18 months, as of September 20, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costTypical county effective rate applied to the list price; an estimate, not a bill
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 Stellar MLS 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

How big is 13144 Coldwater Loop and when was it built?

Per the listing record, 13144 Coldwater Loop was built in 2007 and has 2,309 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 13144 Coldwater Loop in?

13144 Coldwater Loop is in Overlook At Lake Louisa in Clermont, Lake County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

Does 13144 Coldwater Loop have an HOA, and how much are the dues?

The listing reports HOA dues of $41 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.

Why might property taxes on 13144 Coldwater Loop differ from the current owner's?

The estimate on this page (about $5,355 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Is 13144 Coldwater Loop in a flood zone?

The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; 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 13144 COLDWATER LOOP 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.

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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.

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.