29 days on market Single Family Residence
$495,000
2-Bedroom Home in HIGHLAND RANCH ESPLANADE PHASE 3

1389 ZEEK RIDGE STREET, CLERMONT, FL 34715

Single Family Residence in HIGHLAND RANCH ESPLANADE PHASE 3, CLERMONT · No CDD
HIGHLAND RANCH ESPLANADE PHASE 3 · CLERMONT, FL 34715 · Lake
Listing data updated August 13, 2026 · refreshed twice daily
2Bedrooms
2Bathrooms
1,859Sq Ft
2019Year Built
$266Per Sq Ft
2-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.
5% above
$/sq ft vs community
$266 here vs $253 median sold (12 mo)
Buyer leverage
Balanced market
29 days on market
3.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~20 ft elevation
$2k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.

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

Highlights
  • No CDD assessment on record
  • Built 2019 · 7 yrs
  • 1,859 sq ft of living area
  • 2-car garage
  • 29 days on market
  • HOA ~$50/mo (estimate; confirm)
Momentum Research · Highland Ranch Esplanade Clermont

Pricing & the Highland Ranch Esplanade Clermont market

How this home is priced against recent nearby sales, and where Highland Ranch Esplanade 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.

Price vs. size in Highland Ranch Esplanade Clermont

Each dot is a closed sale since 2015 (163 total). This home is the gold marker.

$188k$512k$837k1,5192,3673,215This home: $495,000, 1,859 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, 2016–2026. This home lists at $266/sq ft.

$119$201$2822016: $13820162017: $13520172018: $20320182019: $16920192022: $22420222023: $25820232024: $25220242025: $26620252026: $2532026

Median sale price by year

12-month median closed price, 2016–2026.

$233k$413k$594k2016: $278k20162017: $268k20172018: $413k20182019: $384k20192022: $441k20222023: $488k20232024: $559k20242025: $500k20252026: $525k2026

Market Heat by year (0–100)

Momentum Market Heat, 2016–2026. Now 46 (normal).

2855822016: 4820162017: 3820172018: 4420182019: 5520192022: 7720222023: 6220232024: 5520242025: 3320252026: 462026
Property timeline

This home’s history

  • 2019BuiltPer public record
  • Aug 4, 2026First trackedObserved at $495,000
  • 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

$3,146/mo
  • Principal & interest $2,508/mo 80%
  • Taxes $433/mo 14%
  • Insurance $154/mo 5%
  • HOA $50/mo 2%

$3,146/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.

Cost to own

Property taxes

✓ Based on certified county tax roll
Estimated property taxes after purchase
$7,400/yr
$617/mo·effective rate ~1.49%
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 $3,000/yr ($250/mo)
+$4,400 more each year
(+147%)

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.

🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$251,618
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$431,986
Market value
$236,090
Assessed
$180,368
Taxable
Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

Historical tax data loading…
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.

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

54/100
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional

54/100 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 area37
This home $266/sq ft vs the community 12-month median $253/sq ft.
Affordability60
List price $495,000 vs the community median $525,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2019 build. Obtain a property-specific quote.
Market liquidity67
Community median 37 days on market, ~3.0 months of supply (12-month record).
Renovation upside10
From a 2019 build and $266/sq ft vs the community median $253/sq ft. Not a condition assessment.
Buyer competition26
74% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power56
Recent sales closed at about 96.9% of original asking (~3.1% below). More room below asking generally favors buyers.
Market timing54
Momentum Market Heat is 46/100 (normal). 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. 3.0 months of supply in the surrounding market and 29 days on market for this home, against a 37-day area median.Days on market:this home 29Area median:  37 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 %s through %s. As of July 15, 2026.

🟡 Asking $266 per square foot, about 5% above the community’s $253 median. Highland Ranch Esplanade Clermont’s 12-month median sold price per square foot is $253. Median sold price per square foot is up 5.0% year over year. Confidence: Very High · 31 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.

82% of homes in Highland Ranch Esplanade Clermont are owner-occupied. An estimated 18% are non-owner-occupied, including 11% held in a company or trust and 3% 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), 526 homes matched. Community-level context.

Recent Highland Ranch Esplanade Clermont sales closed near 96.9% of original asking. Cash paid for about 74% 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 Stellar MLS records, community-level, 12 months ending July 15, 2026. Aggregates only; deemed reliable but not guaranteed.

What’s unique here: one of only 8 active listings in Highland Ranch Esplanade Clermont, no CDD assessment.

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

Updated August 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

BEAUTIFUL PICENO Model located in the GATED 55+ Community of the Esplanade at Highland Ranch in Clermont. Upon entry you will be greeted by an elegant Full Glass Front Entry Door to the OPEN SEE THROUGH floor plan. This 2 bedroom, 2 bath with an OFFICE/DEN/STUDY 1,859 sq ft ONE STORY home offers GENEROUS room sizes and many DESIGN CENTER UPGRADES, all situated on a GREAT 145 foot deep FENCED LOT in a Community with Resort Style AMENITIES.

The KITCHEN features Upgraded Stainless Steel Appliances, Quartz Countertops, Ceramic Tile Back Splash, Apron Sink, Pendant Lighting over a BEAUTIFUL ISLAND with FRONT FACING CABINETS creating LOADS of STORAGE and a LARGE BREAKFAST BAR. You will also appreciate the 42" SOLID WOOD cabinetry with UNDER CABINET LIGHTING, a Double Under Counter Built-in Trash Drawer and LARGE CORNER PANTRY. This is a great entertaining area, as everyone gathers around the KITCHEN.

You are sure to be pleased with the GENEROUS size of the Primary Suite with a TRAY CEILING. The Primary En-Suite has a corner REMODELED WALK-IN SHOWER with Corner SEATS, TWO SINK'S with COMFORT HEIGHT VANITIES, Granite Countertops, separate WATER CLOSET with a Comfort Height Toilet and TWO WALK-IN CLOSET'S. Bedroom 2 is also Generous in size and would make a great guest room.

Bathroom 2 offers a Comfort Height Vanity with a GRANITE Countertop, a Comfort Height Toilet and is adjacent to Bedroom 2 for the convenience of your guests. There is also an Additional FLEX SPACE with GLASS FRENCH DOORS that can accommodate a Office/Den/Study or a separate sitting room. The LAUNDRY room has a Sink, Base Cabinetry with a Solid Surface countertop that is great for folding clothes and Upper Cabinetry for additional storage.

Some of the offered upgrades are UPGRADED FLOOR and WALL TILE throughout the home, 9'-4" CEILINGS THROUGHOUT, TRAY CEILINGS in the FOYER, GREAT ROOM and PRIMARY SUITE, 8 FOOT INTERIOR DOORS, Great Room Floor Electrical Receptacle, Oversized Trim, Upgraded Cabinetry throughout, Tankless Hot Water Heater for endless hot water, Injected Foam Block Insulation, Rain Gutters, SCREENED UNDER ROOF LANAI so you can enjoy OUTDOOR LIVING, BEAUTIFUL VIEWS and a GREAT Fenced Back Yard. The Attached 2 Car Garage offers 2 Professionally Installed Ceiling Storage Racks. The Esplanade at Highland Ranch's RESORT STYLE Community Amenities include Clubhouse, Pool, Spa, Resistance Pool, Clay Tennis and Bocce' Courts, 4 Pickle Ball Courts (Sports Courts are Lit for Nighttime Play), Fire Pit, Movement Studio, Activities, Clubs, Billiards & more.

The HOA has a Full Time On Site Manager and Lifestyle Director. Don't forget the DOG PARK! Close to the New Advent Health Hospital, SOUTH LAKE HOSPITAL, VA, Medical Offices, NTC (National Training Center), SHOPPING & DINING.

Miles of Biking/Walking Trails for your Outdoor Endeavors and a 15 minute drive to either Downtown Clermont or Winter Garden for more enjoyment and Farmers Market's. For your convenience, The Esplanade at Highland Ranch is a few minutes to the Florida Turnpike where OIA and the Attractions are about 35 minutes away, as well as Dr Phillips Famed Restaurant Row. HOA includes Lawn/Shrub Care, Fertilizing, Irrigation maintenance as well as the Amenities and more.

The HOA will mow the grass in the backyard even though it is fenced. The Esplanade at Highland Ranch does NOT have a CDD

Description provided by RE/MAX SELECT GROUP 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$495,000
Bed / bath2 / 2
Living area1,859 sq ft
Year built2019
Property typeSingle Family Residence
Garage2-car
MLS #O6422419
Listing status29 days on market

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~20 ft
Windstorm exposureLow
CountyLake
Area listings8 active · 4 under contract
Estimated first-year tax~$5,198/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$266
Estimated monthly payment$3,146
Insurance (illustrative)$2k–$2k/yr
Comparable-sales median$525,000

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 RE/MAX SELECT GROUP · Listing agent: Mike Mondello · 407-352-5800Provided 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.

$414,557the mess$526,097

Actual list price: $495,000 — 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:

  • This home: 29 days on market vs. a 37-day community median
  • 8 active listings competing, 3 under contract
  • 3.0 months of supply
  • 35 closed here in the last 12 months

For reference, this home is listed at $495,000 ($266/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: 1,859 sq ft × $223–$283/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 13, 2026.

Keep looking

Similar homes for sale near HIGHLAND RANCH ESPLANADE PHASE 3

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 $495,000Momentum Realty · on market 29 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.)
~$5,198/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–$2k/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; 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.

Market data · public records

Recent sales activity in HIGHLAND RANCH ESPLANADE PHASE 3

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 HIGHLAND RANCH ESPLANADE PHASE 3 neighborhood guide for more.

Comparable sales found
0

Recent nearby closings in the data set.

Community median sale price
$525,000

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$253

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

Go deeper on HIGHLAND RANCH ESPLANADE PHASE 3

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$2,269 – $3,300/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$947 – −$19At 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 recordStellar MLS, refreshed twice daily (last: August 13, 2026)
Community market statsStellar MLS 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 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

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 1389 ZEEK RIDGE STREET 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

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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.

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.