39 days on market (MLS) Single Family Residence ▼ Price cut: $6,000 (9/25)
$388,888
3-Bedroom Home in CAGAN CROSSINGS

17403 Million Lakes Court, Clermont, FL 34714

Single Family Residence in CAGAN CROSSINGS, CLERMONT · No CDD on record · Built 2022
CAGAN CROSSINGS · Clermont, FL 34714 · Lake County
Listing data updated October 3, 2026 · refreshed hourly
3Bedrooms
2Bathrooms
1,484Sq Ft
2022Year Built
$262Per Sq Ft
2-car garageNo CDD on recordFEMA Zone X
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.
34% above
$/sq ft vs community
$262 here vs $195 median sold (12 mo)
Buyer leverage
Strong seller market
39 days on market
2.4 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~127 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 3 of 12
Price vs recent sales
Asking $389k tops 3 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 3, 2026, 17403 Million Lakes Court in Cagan Crossings, Clermont is listed at $388,888 (1,484 sq ft, about $262 per sq ft). That sits within a few percent of Cagan Crossings's median closed sale of $390,000 over the last 12 months (5 recorded sales). Per square foot it is above the community's recent $195/sq ft by about 34%. It has been 39 days on market, well inside the community's typical 137 days. Listing facts: built in 2022, HOA dues of $117/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 2022 · 4 yrs
  • 1,484 sq ft of living area
  • 2-car garage
  • Listed at $388,888 — recent neighborhood median sale price ~$390,000 (nearby sales; deemed reliable, not an appraisal)
  • 39 days on market
  • HOA $117/mo (per listing)
Listing description

About this home

Welcome to 17403 Million Lakes Court in the desirable Cagan Crossings community of Clermont! Built in 2022, this beautifully maintained single-story home offers 3 bedrooms, 2 bathrooms, and nearly 1,500 square feet of thoughtfully designed living space. The open-concept floor plan creates the perfect setting for both everyday living and entertaining.

The modern kitchen features granite countertops, white cabinetry, stainless steel appliances, ample counter space, and overlooks the spacious dining and family room. Large windows fill the home with natural light, while the split-bedroom layout provides added privacy for the primary suite. The owner's retreat includes a spacious bedroom, walk-in closet, and an en-suite bath with dual sinks and a walk-in shower.

Two additional bedrooms and a full guest bath provide flexibility for family, guests, or a home office. Step outside to your covered lanai and private backyard, perfect for relaxing, grilling, or enjoying Florida's beautiful weather. Additional features include a two-car garage, energy-efficient construction, and low-maintenance living.

Residents enjoy community amenities including a resort-style pool, playground, and convenient access to shopping, restaurants, major highways, Walt Disney World, ChampionsGate, and Orlando's world-famous attractions. Whether you're searching for a primary residence, vacation home, or investment opportunity, this move-in-ready home offers exceptional value in one of Clermont's fastest-growing areas. Schedule your private showing today and experience everything this beautiful home has to offer!

All 6 photos

17403 Million Lakes Court, Clermont FL - photo 6 of 6

Description provided by THE C SMITH REAL ESTATE GROUP LLC and reproduced from the MLS; not independently verified.

Listing courtesy of THE C SMITH REAL ESTATE GROUP LLC · Listing agent: Rick Coles · 407-705-7797Provided 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$388,888
Bed / bath3 / 2
Living area1,484 sq ft
Year built2022
Property typeSingle Family Residence
Garage2-car
MLS #O6430021
Listing status39 days on market (MLS)

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~127 ft
CountyLake
Area listings1 active · 0 under contract
Estimated first-year tax~$5,650/yr
CDD assessmentNone on record
HOA$117/mo

Calculated estimates

Price per sq ft$262
Estimated monthly payment$2,829
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$390,000

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
Financing

Estimated monthly payment

$2,829/mo
  • Principal & interest $2,129/mo 75%
  • Taxes $471/mo 17%
  • Insurance $113/mo 4%
  • HOA $117/mo 4%

$2,829/mo at 20% down, 30-yr @ 7.28% · edit any field to update.

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

Cost to own

Property taxes

✓ Certified tax roll · county-average rate
Estimated property taxes after purchase
$5,650/yr
≈ $471/mo·effective rate ~1.45%
Estimate: asking price less the $50,000 homestead exemption × Lake County rate (16.65 mills, county-average millage, 2025; verify with the property appraiser). Not a bill.
⚠️

Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.

Current owner’s estimated bill $5,400/yr ($450/mo) — taxable value $324,181 × 16.65 mills
$250 more each year
(+5%)

The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.

$324,181
Market value
$324,181
Assessed
$324,181
Taxable

Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.

Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Florida TaxWatch 2025 How Florida Counties Compare (county-average millage); school portion estimated at ~42% of total, capped at 6.50 mills. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.

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.

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)
$1k–$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
$117/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
~127 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 · Cagan Crossings

Pricing & the Cagan Crossings market

How this home is priced against recent nearby sales, and where Cagan Crossings 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 sales17193 CAGAN CROSSINGS BO…17193 CAGAN CROSSINGS BOULEVARD: $245/sq ft$24517193 CAGAN CROSSINGS BO…17193 CAGAN CROSSINGS BOULEVARD: $245/sq ft$245874 RIVERS CROSSING STRE…874 RIVERS CROSSING STREET: $261/sq ft$261874 RIVERS CROSSING STRE…874 RIVERS CROSSING STREET: $261/sq ft$261This homeThis home: $262/sq ft$262Community median $195

Price vs. size in Cagan Crossings

Each dot is a closed sale since 2021 (31 total). This home is the gold marker.

$276k$407k$539k1,1721,9542,736This home: $388,888, 1,484 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, 2022–2026. This home lists at $262/sq ft.

$192$205$2182022: $21520222023: $20820232026: $1952026

Median sale price by year

12-month median closed price, 2022–2026.

$380k$430k$480k2022: $400k20222023: $470k20232026: $390k2026
Property timeline

This home’s history

  • 2022BuiltPer public record
  • Aug 16, 2026First seen on movewithmomentum.comObserved at $398,888
  • Sep 12, 2026Price cut$394,888 (-$4,000, -1.0%)
  • Sep 25, 2026Price cut$388,888 (-$6,000, -1.5%)
  • 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 $388,888Momentum Realty · on market 39 days
Public records

Building permits

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

Comparable recent sales

4 closed sales in CAGAN CROSSINGS 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 4 sales: $390,000 ($195/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.

$255,248the mess$323,512

Stronger local evidence — 4 comparable closed sales in CAGAN CROSSINGS, closed within the last 18 months, same property type, living area within 30% of this home.

Actual list price: $388,888 — 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 — this home carries HOA dues of $117/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: 39 days on market vs. a 137-day community median
  • 1 active listing competing
  • ≈2.4 months of supply
  • 5 closed here in the last 12 months

For reference, this home is listed at $388,888 ($262/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: 1,484 sq ft × $172–$218/sq ft (±12% around the median of 4 comparable closed sales in CAGAN CROSSINGS, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 3, 2026.

Momentum Scores

Momentum Property Score

56/100
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional

56/100 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 area0
This home $262/sq ft vs the community 12-month median $195/sq ft.
Affordability50
List price $388,888 vs the community median $390,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~127 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2022 build. Obtain a property-specific quote.
Market liquidity46
Community median 137 days on market, ~2.4 months of supply (12-month record).
Pricing power64
Recent sales closed at about 95.1% of original asking (~4.9% below). More room below asking generally favors buyers.

Coverage: 6 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

🟠 Seller-leaning conditions around this listing. 2.4 months of supply in the surrounding market and 39 days on market for this home, against a 137-day area median.Days on market:this home 39Area median:  137 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 2021 through 2026. As of September 20, 2026.

🟡 Asking $262 per square foot, about 34% above the community’s $195 median. Cagan Crossings’s 12-month median sold price per square foot is $195. Confidence: Low · 5 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.

27% of homes in Cagan Crossings are owner-occupied. An estimated 73% are non-owner-occupied, including 13% held in a company or trust and 16% 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), 110 homes matched. Community-level context.

Recent Cagan Crossings sales closed near 95.1% 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 1 active listings in Cagan Crossings, no CDD assessment.

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

Updated October 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by THE C SMITH REAL ESTATE GROUP LLC · MLS # O6430021

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More on CAGAN CROSSINGS

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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 17403 Million Lakes Court, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 2022: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
  • HOA dues are listed at $117/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 1,484 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 $5,650/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $250 more per year than the current owner’s estimated bill (+5%). 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, refreshed hourly (last: October 3, 2026)
Comparable salesStellar MLS closed sales in CAGAN CROSSINGS, last 18 months, as of September 20, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costCertified county tax roll (parcel-matched) × county millage; 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 17403 Million Lakes Court and when was it built?

Per the listing record, 17403 Million Lakes Court was built in 2022 and has 1,484 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.

What community is 17403 Million Lakes Court in?

17403 Million Lakes Court is in Cagan Crossings in Clermont, Lake County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.

Does 17403 Million Lakes Court have an HOA, and how much are the dues?

The listing reports HOA dues of $117 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 17403 Million Lakes Court differ from the current owner's?

The estimate on this page (about $5,650 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $250 more per year than the current owner’s estimated bill (+5%). 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 17403 Million Lakes Court 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.

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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 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.