Single Family Residence in MAGNOLIA POINTE SUB, CLERMONT · No CDD
MAGNOLIA POINTE SUB · CLERMONT, FL 34711 · Lake
Listing data updated September 12, 2026 · refreshed twice daily
3Bedrooms
2.5Bathrooms
2,588Sq Ft
1999Year Built
$251Per Sq Ft
Private pool2-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.
18% above
$/sq ft vs community
$251 here vs $212 median sold (12 mo)
Buyer leverage
Balanced market
1 days on market
6.9 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~136 ft elevation
$2k–$5k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 6 of 7
Price vs recent sales
Asking $650k tops 6 of the last 7 closed sales; also one of the largest homes here at 2,588 sq ft
As of September 12, 2026, 13200 Whisper Bay Drive in Magnolia Pointe Sub, Clermont is listed at $650,000 (2,588 sq ft, about $251 per sq ft). That is 59% above Magnolia Pointe Sub's median closed sale of $410,000 over the last 12 months (7 recorded sales). Per square foot it is above the community's recent $212/sq ft by about 18%. It came to market within the past week. Listing facts: built in 1999, a private pool, HOA dues of $73/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 1999 · 27 yrs
2,588 sq ft of living area
2-car garage
Listed at $650,000 — recent neighborhood median sale price ~$410,000 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA $73/mo (per listing)
Momentum Research · Magnolia Pointe Sub Clermont
Pricing & the Magnolia Pointe Sub Clermont market
How this home is priced against recent nearby sales, and where Magnolia Pointe Sub Clermont 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 vs. size in Magnolia Pointe Sub Clermont
Each dot is a closed sale since 2014 (80 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2015–2026. This home lists at $251/sq ft.
Median sale price by year
12-month median closed price, 2015–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2016–2026. Now 19 (cold).
Property timeline
This home’s history
1999BuiltPer public record
Jul 10, 2026First trackedObserved at $650,000
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
$4,311/mo
Principal & interest $3,376/mo78%
Taxes $569/mo13%
Insurance $294/mo7%
HOA $73/mo2%
$4,311/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Estimated from today’s asking price and current Lake County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $6,675/yr ($556/mo)
+$3,325 more each year
(+50%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
46/100
Strongest on: Flood safety (95), Market timing (81)
0 limited50100 exceptional
46/100 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 area4
This home $251/sq ft vs the community 12-month median $212/sq ft.
Affordability0
List price $650,000 vs the community median $410,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~136 ft elevation. Verify the parcel with FEMA.
Insurance cost68
From FEMA Zone X and a 1999 build. Obtain a property-specific quote.
Market liquidity19
Community median 126 days on market, ~6.9 months of supply (12-month record).
Renovation upside30
From a 1999 build and $251/sq ft vs the community median $212/sq ft. Not a condition assessment.
Pricing power71
Recent sales closed at about 93.9% of original asking (~6.1% below). More room below asking generally favors buyers.
Market timing81
Momentum Market Heat is 19/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
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
🟡 Balanced conditions around this listing. 6.9 months of supply in the surrounding market and 1 days on market for this home, against a 126-day area median.Days on market:this home 1Area median: 126 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 2014 through 2026. As of September 12, 2026.
🟡 Asking $251 per square foot, about 18% above the community’s $212 median. Magnolia Pointe Sub Clermont’s 12-month median sold price per square foot is $212. Median sold price per square foot is down 33.8% year over year. Confidence: Low · 7 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.
74% of homes in Magnolia Pointe Sub Clermont are owner-occupied. An estimated 26% are non-owner-occupied, including 3% held in a company or trust and 10% 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), 39 homes matched. Community-level context.
Recent Magnolia Pointe Sub Clermont sales closed near 93.9% 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 12, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 4 active listings in Magnolia Pointe Sub Clermont, no CDD assessment.
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome to 13200 Whisper Bay Dr, where comfort meets classic Florida living in the heart of Clermont. This well-maintained home offers a thoughtfully designed layout that balances everyday functionality with inviting spaces perfect for entertaining. From the moment you arrive, the curb appeal sets the tone for what’s inside.
With 45,000 in upgrades and a new roof, you will be sure to find many features that make this home a valuable find. The interior features an open and airy floor plan with generous living areas, allowing for seamless flow between the kitchen, dining, and main living space. The kitchen provides ample counter space and storage, making it ideal for everything from casual meals to hosting gatherings.
The primary suite serves as a private retreat, offering a comfortable space to unwind with a well-appointed en-suite bathroom and ample closet space. Additional bedrooms are generously sized and versatile—perfect for guests, a home office, or multi-generational living. Enjoy Florida living outdoors with space to relax, entertain, or simply soak up the sunshine.
Whether you’re starting your morning with coffee or winding down in the evening, the outdoor area adds to the home’s livability and charm. Conveniently located near shopping, dining, parks, and Clermont’s scenic lakes and rolling hills, this home offers both tranquility and accessibility. An excellent opportunity to own a home that delivers comfort, location, and lifestyle all in one.
Description provided by EXP REALTY LLC 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$650,000
Bed / bath3 / 2.5
Living area2,588 sq ft
Year built1999
Property typeSingle Family Residence
Garage2-car
PoolYes
MLS #O6377368
Listing statusNew — 1 day on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~136 ft
Windstorm exposureLow
CountyLake
Area listings4 active · 0 under contract
Estimated first-year tax~$6,825/yr
CDD assessmentNone on record
HOA (per listing)$73/mo
Calculated estimates
Price per sq ft$251
Estimated monthly payment$4,311
Insurance (illustrative)$2k–$5k/yr
Comparable-sales median$410,000
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 EXP REALTY LLC · Listing agent: Michele Rueff · 888-883-8509Provided 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.
$483,956the mess$613,356
Actual list price: $650,000 — 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 1999 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
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 — this home carries HOA dues of $73/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
This home: 1 days on market vs. a 126-day community median
4 active listings competing
≈6.9 months of supply
7 closed here in the last 12 months
For reference, this home is listed at $650,000 ($251/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.
Methodology: 2,588 sq ft × $187–$237/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 12, 2026.
Keep looking
Similar homes for sale near MAGNOLIA POINTE SUB
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.
Listed for $650,000Momentum Realty · on market 1 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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.)
~$6,825/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)
$2k–$5k/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
$73/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
~136 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
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; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
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Listed by EXP REALTY LLC · MLS # O6377368
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Market data · public records
Recent sales activity in MAGNOLIA POINTE SUB
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 MAGNOLIA POINTE SUB neighborhood guide for more.
Comparable sales found
4
Recent nearby closings in the data set.
Community median sale price
$410,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$212
Canonical 12-month median $/sq ft. Reference only.
Go deeper on MAGNOLIA POINTE SUB
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Civic
Orange County previews new Innovation Center on West Colonial Drive
Orange County previewed its new Innovation Center at 7149 West Colonial Drive, located within the county's Multicultural Center and Senior Center complex, with an official opening set for Fall 2026. The center will offer technology programs including 3D printing and makerspace prototyping through the Orange County Library System, plus career exploration and workforce training through CareerSource Central Florida.
Why it matters: Adds a county operated civic and technology facility with library and workforce programming to the West Colonial corridor. The site is about 2 miles west of Magnolia Pointe Sub.
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 19 miles northwest of Magnolia Pointe Sub, elsewhere in Lake County.
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.
Courtesy of CHARLES RUTENBERG REALTY ORLANDO · View details →
Sold Aug 2026
$412,000
13256 WHISPER BAY DRIVE, CLERMONT
4 / 2 bd/ba · 1,939 sq ft · $212/sq ft
Courtesy of RE/MAX PRIME PROPERTIES · View details →
Community 12-month median: $212/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
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$2,979 – $4,333/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−$1,419 – −$201At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 13200 Whisper Bay Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1999 (27 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 $73/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.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Listed living area is 2,588 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 $6,825/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
CLERMONT
Groceries, dining, and parks for this city — see the city guide.
Stellar MLS, refreshed twice daily (last: September 12, 2026)
Community market stats
Stellar MLS closed sales, as of September 12, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 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 13200 Whisper Bay Drive and when was it built?
Per the listing record, 13200 Whisper Bay Drive was built in 1999 and has 2,588 sq ft of living area, 3 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 13200 Whisper Bay Drive in?
13200 Whisper Bay Drive is in Magnolia Pointe Sub in Clermont, Lake County. The community section on this page shows recent closed sales, days on market, and active inventory for Magnolia Pointe Sub from the same MLS data.
Does 13200 Whisper Bay Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $73 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 13200 Whisper Bay Drive differ from the current owner's?
The estimate on this page (about $6,825 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so 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.
Is 13200 Whisper Bay Drive 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 13200 WHISPER BAY 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.
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.
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.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
