4 bedroom Single Family Residence at 3939 LAKE ERIE ROAD, GROVELAND FARMS 15-23-24, GROVELAND — photo 1Front elevation
4 bedroom Single Family Residence at 3939 LAKE ERIE ROAD, GROVELAND FARMS 15-23-24, GROVELAND — photo 2Living space
4 bedroom Single Family Residence at 3939 LAKE ERIE ROAD, GROVELAND FARMS 15-23-24, GROVELAND — photo 3Kitchen
4 bedroom Single Family Residence at 3939 LAKE ERIE ROAD, GROVELAND FARMS 15-23-24, GROVELAND — photo 4Owner's suite
4 bedroom Single Family Residence at 3939 LAKE ERIE ROAD, GROVELAND FARMS 15-23-24, GROVELAND — photo 5Exterior / yardView all 42 photos →
364 days on market Single Family Residence
$1,390,000
4-Bedroom Home in GROVELAND FARMS 15-23-24

3939 LAKE ERIE ROAD, GROVELAND, FL 34736

Single Family Residence in GROVELAND FARMS 15-23-24 · No CDD
GROVELAND FARMS 15-23-24 · GROVELAND, FL 34736 · Lake
Listing data updated July 25, 2026 · refreshed twice daily
4Bedrooms
2.5Bathrooms
3,394Sq Ft
1981Year Built
$410Per Sq Ft
Waterfront3-car garageNo CDDFEMA Zone X4 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
in line with
$/sq ft vs community
$410 here vs $410 median sold (12 mo)
Buyer leverage
Balanced market
364 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~106 ft elevation
$6k–$13k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.

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

Highlights
  • No CDD assessment on record
  • Built 1981 · 45 yrs
  • 3,394 sq ft of living area
  • 3-car garage
  • 364 days on market
  • HOA ~$50/mo (estimate; confirm)
Property timeline

This home’s history

  • 1981BuiltPer public record
  • Jul 2, 2026First trackedObserved at $1,390,000
  • 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

$9,064/mo
  • Principal & interest $7,043/mo 78%
  • Taxes $1,216/mo 13%
  • Insurance $754/mo 8%
  • HOA $50/mo 1%

$9,064/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.

Momentum Scores

Momentum Property Score

61/100
Strongest on: Flood safety (95), Insurance cost (56)
0 limited50100 exceptional

61/100 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 area50
This home $410/sq ft vs the community 12-month median $410/sq ft.
Affordability50
List price $1,390,000 vs the community median $1,390,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~106 ft elevation. Verify the parcel with FEMA.
Insurance cost56
From FEMA Zone X and a 1981 build. Obtain a property-specific quote.
Renovation upside52
From a 1981 build and $410/sq ft vs the community median $410/sq ft. Not a condition assessment.

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

🟡 Asking $410 per square foot, about in line with the community’s $410 median. GROVELAND FARMS 15-23-24’s 12-month median sold price per square foot is $410. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

What’s unique here: no CDD assessment.

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

Updated July 25, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

36.8 ACRES OF PRISTINE, WOODED LAND, PRIVACY AT IT BEST and a ONE-OF-A-KIND THREE STORY HOME! Cross between old Florida and Swiss chalet architecture. Clad entirely in old growth pecky cypress and situated among canopying oaks, towering long leaf pines, and stands of old cypress trees, this home was meticulously designed and constructed to blend seamlessly into its natural surroundings.

Upon driving up the tree covered driveway, a 72 foot wide front porch welcomes you with plenty of seating space to just relax and enjoy the outdoors. As you walk through the double doors at the entry of the home you are greeted by a large foyer and a living room with a CATHEDRAL CEILING, EXPOSED WOOD BEAMS, a WOOD-BURNING FIREPLACE, and tons of natural light flooding in from windows all the way around allowing the beauty of the private land to be seen from every angle. It’s the kind of space where you can watch deer or turkeys pass by at sunrise or listen to the call of owls from the comfort of your sofa.

As you continue through the home, you are treated to woodland views from every room. Connected to the breakfast nook and family room is a large, screened back porch providing another perfect place to slow down and unwind while listening to the swaying pines and vibrant birdlife and watching butterflies float by. The home offers two beautiful loft areas perfect for reading or just having a quiet moment to reflect.

These loft areas look out to the wooded property as well as overlooking the foyer and beautiful living room. The largest guest bedroom, which could be a secondary primary suite, has a walk-in closet and is pre-plumbed to have its own private bathroom. A large balcony connected to this bedroom and the loft, offer more space to take in the gorgeous landscape and even stargaze in the dark, night sky.

You will find an unfinished attic on the second floor that can be accessed through a full size door. This area is great for storage or could easily be finished as additional living space. As you walk up the stairs to the THIRD FLOOR you will walk into another attic space with windows and natural lighting, and this area could also easily be converted into more additional living space.

This home has a SECOND HOME ON THE PROPERTY that has power but just needs water hook up and A/C. With solid heart of pine wood floors, this would be a PERFECT ART STUDIO, WORKSHOP or ADDITIONAL COTTAGE DWELLING UNIT. Across the road, OPEN PASTURE ADDS POTENTIAL FOR HORSES.

Let your imagination run wild with the ENDLESS OPPORTUNITIES that this property has to offer with even current future land use allowing for one residents per 5 acres of land also allowing additional dwelling unit, barn, stables, etc! GREAT FUTURE POTENTIAL WITH THIS PROPERTY! This home is located in a beautiful, quiet, rural area tucked away from the hustle and bustle yet has easy access to anywhere you want to go!

This home is located about a half hour to all shopping in Clermont on Hwy. 50 and one hour to Orlando International and Tampa International Airports. Easy access to the Clermont and Harris Chain of Lakes.

Only a couple minutes from the 800 acre Pasture Reserve with miles of hiking trails. Just about 30 minutes to Colt Creek State Park, Lake Louisa State Park, Green Swamp East Tract and just about one hour to Ocala National Forest. Don’t wait to come see this beautiful piece of paradise!

Description provided by LORI GILMORE REAL ESTATE 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$1,390,000
Bed / bath4 / 2.5
Living area3,394 sq ft
Year built1981
Property typeSingle Family Residence
Garage3-car
MLS #O6301849
Listing status364 days on market

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~106 ft
Windstorm exposureLow
CountyLake
Estimated first-year tax~$14,595/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$410
Estimated monthly payment$9,064
Insurance (illustrative)$6k–$13k/yr
Comparable-sales median$1,390,000

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
Listing courtesy of LORI GILMORE REAL ESTATE LLC · Listing agent: Lori Gilmore · 407-402-2623Provided 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.

$1,225,234the mess$1,557,846

Actual list price: $1,390,000 — 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:

  • 1 active listing competing

For reference, this home is listed at $1,390,000 ($410/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: 3,394 sq ft × $361–$459/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 25, 2026.

Keep looking

Similar homes for sale near GROVELAND FARMS 15-23-24

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 $1,390,000Momentum Realty · on market 364 days
Public records

Building permits

Permit history not yet linkedAdd county permit records via overrides
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.)
~$14,595/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)
$6k–$13k/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
~106 ft

Approximate parcel elevation from USGS. Run --online for a live reading.

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. Run --online or confirm 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 GROVELAND FARMS 15-23-24

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 GROVELAND FARMS 15-23-24 neighborhood guide for more.

Comparable sales found
0

Recent nearby closings in the data set.

Community median sale price
$1,390,000

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$410

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

Go deeper on GROVELAND FARMS 15-23-24

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.

GRADEA
Pine Ridge ElemAssigned elementary school · Lake County School District · Grade A (Florida DOE 2025-26)
GRADEB
Gray MiddleAssigned middle school · Lake County School District · Grade B (Florida DOE 2025-26)
GRADEB
South Lake HighAssigned high school · Lake County School District · Grade B (Florida DOE 2025-26)
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$6,371 – $9,267/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−$2,889 – −$283At 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 recordrealMLS, refreshed twice daily (last: July 25, 2026)
Community market statsrealMLS closed sales, as of July 25, 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 realMLS 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 3939 LAKE ERIE ROAD 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

Momentum Realty · licensed in FL & GA

Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.

Estimate methodology. Tax estimates apply 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.

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.