3462 Shallow Cove Lane, Clermont, FL 34711
Sources: Stellar MLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of September 25, 2026, 3462 Shallow Cove Lane in Innovation/Hidden Lake, Clermont is listed at $1,299,000 (3,262 sq ft, about $398 per sq ft). It has been 53 days on market. Listing facts: built in 2019, a private pool, waterfront, HOA dues of $225/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 2019 · 7 yrs
- 3,262 sq ft of living area
- 3-car garage
- Listed at $1,299,000 — recent neighborhood median sale price ~$1,000,000 (nearby sales; deemed reliable, not an appraisal)
- 53 days on market
- HOA $225/mo (per listing)
Pricing & the Innovation/Hidden Lake market
How this home is priced against recent nearby sales, and where Innovation/Hidden Lake 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.
Median $/sq ft by year
Community sold $/sq ft, 2022–2025. This home lists at $398/sq ft.
Median sale price by year
12-month median closed price, 2022–2025.
This home’s history
- 2019BuiltPer public record
- Aug 4, 2026First trackedObserved at $1,399,000
- Aug 8, 2026Price cut$1,299,000
- 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.
Estimated monthly payment
- Principal & interest $6,879/mo 80%
- Taxes $1,137/mo 13%
- Insurance $405/mo 5%
- HOA $225/mo 3%
$8,645/mo at 20% down, 30-yr @ 6.95% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Based on certified county tax rollMany first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
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.
Adjust for your exemptions, portability, and down payment
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 Property Score
23/100 is limited 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.
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.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 8.0 months of supply in the surrounding market and 53 days on market for this home, against a 53-day area median.Days on market:this home 53Area median: 53 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 2025. As of September 20, 2026.
🟡 Asking $398 per square foot, about 30% above the community’s $307 median. Innovation/Hidden Lake’s 12-month median sold price per square foot is $307. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
84% of homes in Innovation/Hidden Lake are owner-occupied. An estimated 16% are non-owner-occupied, including 0% held in a company or trust and 4% 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), 45 homes matched. Community-level context.
What’s unique here: one of only 2 active listings in Innovation/Hidden Lake, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated September 25, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
About this home
Rare opportunity to own lakefront on Johns Lake! This lake is one of Florida's best water ski, fishing tournament and boating lake. Welcome to an exceptional solar powered lakefront retreat where privacy, luxury, and Florida living come together.
Set on direct Johns Lake frontage within the intimate gated community of Innovation at Hidden Lake, this beautifully maintained 5 oversized bedrooms, 3 full-bath residence offers breathtaking water views, exceptional outdoor living, and thoughtfully upgraded interiors. Step outside to your private waterfront oasis featuring a stunning saltwater pool with custom lighting and water features, an expansive stone patio, and a premium panoramic screen enclosure designed to preserve the beautiful lake views. Beyond the heated salt water pool, your private 220-foot dock extends onto Johns Lake, putting boating, fishing, paddleboarding, and peaceful days on the water just steps from home.
The home was designed to embrace its spectacular setting. Enjoy gorgeous sunsets from the pool, patio, living spaces, primary suite, and expansive second-floor balcony. Inside, the highly desirable floor plan, originally selected as the builder’s model-home design, offers impressive entertaining spaces while remaining comfortable for everyday living.
The upgraded kitchen overlooks the pool and Johns Lake, while the main living area extends into a charming lake-view office. A private first-floor guest suite with a full bath is ideal for visiting family and friends. Upstairs, a spacious second living area leads to an impressive primary retreat.
Double doors open onto an oversized private balcony overlooking Johns Lake, perfect for morning coffee or relaxing as the sun sets over the water. The suite also features two generous walk-in closets and a primary bath with a large corner soaking tub overlooking the lake, separate shower, and convenient access to the adjoining laundry room. Three additional oversized bedrooms, two full baths one with Kohler faucets and shower application and built in shelving, and walk-in closets complete the upper level.
Thoughtful upgrades include 40 solar panels paired with two Tesla battery systems, custom oversized extra heavy duty screen enclosure, upgraded stone flooring on patio with two extra wide screen doors on both sides, oversized ceiling fans everywhere, select heavy-duty storm windows on the first floor, new luxury vinyl flooring upstairs and along the staircase, designer tile throughout the main level, and brand new premium Sherwin-Williams exterior super paint backed by a 10-year warranty. A three-car garage provides abundant space for vehicles and storage, while the quiet cul-de-sac setting adds another layer of privacy. Even the welcoming front porch enjoys its own water and preserve view with no neighbors across the street and cul de sac location.
Swim beneath the Florida sun. Take the boat out from your private dock. Gather with friends by the heated salt water pool.
Watch brilliant sunsets from your balcony. For the buyer seeking a private lakefront lifestyle on a TRUE 1500 acre natural lake with space, comfort, energy efficiency, and exceptional amenities, this remarkable Johns Lake residence is a rare opportunity. Your Florida lakefront lifestyle begins here.
All 6 photos
Description provided by CHARLES RUTENBERG REALTY ORLANDO and reproduced from the MLS; not independently verified.
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
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Provided 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
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.
Actual list price: $1,299,000 — 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 — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
- 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 $225/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:
- 1 active listing competing, 1 under contract
- ≈8.0 months of supply
- 3 closed here in the last 12 months
For reference, this home is listed at $1,299,000 ($398/sq ft) — a number set with analysis a Messtimate can't do.
Selling your own home? Try the Messtimate on your address →
Methodology: 3,262 sq ft × $270–$344/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 25, 2026.
Similar homes for sale near INNOVATION/HIDDEN LAKE
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.
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- 5779 Energy Drive, CLERMONT · $386,990 · 3 bd / 2.5 ba · listed September 24, 2026 (courtesy of LENNAR REALTY)
- 3067 Santa Marcos Drive, CLERMONT · $450,000 · 4 bd / 2.0 ba · listed September 24, 2026 (courtesy of KELLER WILLIAMS ELITE PARTNERS III REALTY)
Price & listing history
Building permits
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Internet & broadband
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Xfinity/Spectrum cable broadband is widely available.
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by CHARLES RUTENBERG REALTY ORLANDO · MLS # O6423353
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Recent sales activity in INNOVATION/HIDDEN LAKE
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 INNOVATION/HIDDEN LAKE neighborhood guide for more.
Recent nearby closings in the data set.
Canonical 12-month median closed price. Reference only.
Canonical 12-month median $/sq ft. Reference only.
Go deeper on INNOVATION/HIDDEN LAKE
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
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.
See schools in the INNOVATION/HIDDEN LAKE guide → · Browse school-zone pages →
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Community 12-month median: $307/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.
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.
Buyer research checklist
Items worth confirming for 3462 Shallow Cove Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2019: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $225/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
- 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.
- Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
- Listed living area is 3,262 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 $13,640/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.
Approximate distances
Approximate drive times for general reference only.
Data sources & freshness
| Listing record | Stellar MLS, refreshed twice daily (last: September 25, 2026) |
| Community market stats | Stellar MLS closed sales, as of September 20, 2026 |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone AE 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.
Frequently asked questions
How big is 3462 Shallow Cove Lane and when was it built?
Per the listing record, 3462 Shallow Cove Lane was built in 2019 and has 3,262 sq ft of living area, 5 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 3462 Shallow Cove Lane in?
3462 Shallow Cove Lane is in Innovation/Hidden Lake in Clermont, Lake County. The community section on this page shows recent closed sales, days on market, and active inventory for Innovation/Hidden Lake from the same MLS data.
Does 3462 Shallow Cove Lane have an HOA, and how much are the dues?
The listing reports HOA dues of $225 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 3462 Shallow Cove Lane differ from the current owner's?
The estimate on this page (about $13,640 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 3462 Shallow Cove Lane in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
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 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.