Single Family Residence in WATERSIDE POINTE PH I I P S T, GROVELAND · No CDD on record
WATERSIDE POINTE PH I I P S T · Groveland, FL 34736 · Lake County
Listing data updated October 12, 2026 at 5:43 AM ET · checked against the MLS hourly
5Bedrooms
3Bathrooms
2,444Sq Ft
2012Year Built
$172Per Sq Ft
2-car garageNo CDD on record5 bedrooms
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.
13% below
$/sq ft vs community
$172 here vs $198 median sold (12 mo)
Zone AE
Flood risk
Confirm requirements with FEMA; ~95 ft elevation
$2k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 12, 2026, 411 Rock Springs Circle in Waterside Pointe Ph I I P S T, Groveland is listed at $420,000 (2,444 sq ft, about $172 per sq ft). It has been 36 days on market. Listing facts: built in 2012, HOA dues of $182/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 2012 · 14 yrs
2,444 sq ft of living area
2-car garage
Listed at $420,000 — recent neighborhood median sale price ~$481,500 (nearby sales; deemed reliable, not an appraisal)
36 days on market
HOA $182/mo (per listing)
Listing description
About this home
Under contract-accepting backup offers. Find your slice of Florida paradise right here in this amazing neighborhood of Waterside Pointe with resort style amenities! This spacious and beautifully designed 2-story home offers 5 bedrooms, 3 full bathrooms, a 2 car garage with large fenced in back yard.
NEW ROOF 2023! All new kitchen appliances 2024! Stepping inside you are welcomed by an open-concept floor plan perfect for entertaining or family time.
The expansive Kitchen, dining & living areas create the perfect gathering spaces. The lower level also features a guest bedroom and a versatile bonus room offering flexibility for a home office, playroom, or multi-generational living. The real wood flooring and color combinations add true character throughout the home.
Off the dining, sliding glass doors lead to a large enclosed patio, creating the perfect opportunity to extend your living space outdoors. Upstairs, you will find a spacious loft area customizable to fit your needs, whether as a media room, home office, or cozy retreat. The impressive primary suite offers a walk-in closet and a private ensuite bathroom featuring a relaxing garden tub & separate walk-in shower.
Additional 3 bedrooms, a conveniently located laundry room, and another full bathroom with a tub/shower combo are also upstairs. LOW HOA in this beautiful community! nearby schools, shopping & restaurants are close by.
Florida's best amusement parks; Disney World, Universal Studios are approx. 23 miles away, the East Coast & Atlantic Ocean is approx. 65 miles & the West Coast by Weeki Wachee Springs & more Gulf Beaches are approx.
52 miles. This central location has so much to enjoy!
All 6 photos
Description provided by CHARLES RUTENBERG REALTY INC and reproduced from the MLS; not independently verified.
Listing courtesy of CHARLES RUTENBERG REALTY INC · Listing agent: Diana Beattie · 727-538-9200Provided 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$420,000
Bed / bath5 / 3
Living area2,444 sq ft
Year built2012
Property typeSingle Family Residence
Garage2-car
MLS #TB8521730
Listing status36 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~95 ft
CountyLake
Area listings0 active · 1 under contract
Estimated first-year tax~$6,150/yr
CDD assessmentNone on record
HOA$182/mo
Calculated estimates
Price per sq ft$172
Estimated monthly payment$3,172
Insurance (illustrative)$2k–$2k/yr
Messtimate range$405,704 – $567,008
Comparable-sales median$481,500
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
$3,172/mo
Principal & interest $2,326/mo73%
Taxes $512/mo16%
Insurance $151/mo5%
HOA $182/mo6%
$3,172/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
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 $2,575/yr ($215/mo) — taxable value $154,458 × 16.65 mills
$3,575 more each year
(+139%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$188,424
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.
$342,882
Market value
$205,180
Assessed
$154,458
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.
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)
$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 zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$182/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 AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~95 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 · Waterside Pointe Ph I I P S T
Pricing & the Waterside Pointe Ph I I P S T market
How this home is priced against recent nearby sales, and where Waterside Pointe Ph I I P S T 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.
Property timeline
This home’s history
2012BuiltPer public record
Jul 10, 2026First seen on movewithmomentum.comObserved at $420,000
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 $420,000Momentum Realty · on market 36 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales within about 3 miles 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.
Sold Sep 2026
$410,000
540 DREW AVENUE, CLERMONT
4 / 2.5 bd/ba · 2,428 sq ft · $169/sq ft
Courtesy of CENTURY 21 HANCOCK · View details →
Sold May 2026
$572,000
15239 SILVER EAGLE ROAD, GROVELAND
4 / 3 bd/ba · 2,466 sq ft · $232/sq ft
Courtesy of LPT REALTY, LLC · View details →
Sold Oct 2026
$400,000
405 KESTREL DRIVE, GROVELAND
5 / 3 bd/ba · 2,408 sq ft · $166/sq ft
Courtesy of GLOBAL REALTY INTERNATIONAL · View details →
Sold Oct 2025
$545,000
475 W MINNEHAHA AVENUE, CLERMONT
4 / 2.5 bd/ba · 2,386 sq ft · $228/sq ft
Courtesy of ERA GRIZZARD REAL ESTATE · View details →
Sold Dec 2025
$748,300
1655 3RD STREET, CLERMONT
4 / 3 bd/ba · 2,378 sq ft · $315/sq ft
Courtesy of LAKEFIELD REALTY GROUP LLC · View details →
Sold Apr 2026
$418,000
905 EGRETS LANDING WAY, GROVELAND
4 / 3 bd/ba · 2,536 sq ft · $165/sq ft
Courtesy of COLDWELL BANKER REALTY · View details →
Median of these 6 sales: $481,500 ($198/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.
$405,704the mess$567,008
Stronger local evidence — 6 comparable closed sales within about 3 miles, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $420,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 40% 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 — the band above comes from 6 nearby sales; one flip or distressed sale moves the whole $/sq ft.
Carrying costs & concessions — this home carries HOA dues of $182/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:
0 active listings competing, 1 under contract
For reference, this home is listed at $420,000 ($172/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.
Methodology: 2,444 sq ft × $166–$232/sq ft (interquartile band of 6 comparable closed sales within about 3 miles, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 12, 2026.
Momentum Scores
Momentum Property Score
62/100
Strongest on: Price vs area (83), Affordability (71)
0 limited50100 exceptional
62/100 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 area83
This home $172/sq ft vs the community 12-month median $198/sq ft.
Affordability71
List price $420,000 vs the community median $481,500. Not a measure of personal affordability.
Flood safety50
FEMA Zone AE, ~95 ft elevation. Verify the parcel with FEMA.
Insurance cost42
From FEMA Zone AE and a 2012 build. Obtain a property-specific quote.
Coverage: 4 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
🟡 Asking $172 per square foot, about 13% below the community’s $198 median. Waterside Pointe Ph I I P S T’s 12-month median sold price per square foot is $198. 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.
67% of homes in Waterside Pointe Ph I I P S T are owner-occupied. An estimated 33% are non-owner-occupied, including 5% held in a company or trust and 7% 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), 112 homes matched. Community-level context.
Updated October 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by CHARLES RUTENBERG REALTY INC · MLS # TB8521730
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Keep looking
Similar homes for sale near WATERSIDE POINTE PH I I P S T
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Sep 2026 · Development
Lake County approves 2,241-acre Panther Run rezoning for up to 2,624 homes near Clermont
The Lake County Commission voted 3-1 on Sept. 1 to rezone about 2,241 acres in the Wellness Way area, north of Sawgrass Bay Boulevard, for GT Homes. The planned unit development allows up to 2,624 residential units and more than 1 million square feet of non-residential space, with sites reserved for a future public high school and public safety facilities. Plans include extending County Road 455 and about 11 miles of public trails.
Why it matters: The plan adds long-term housing supply, employment space and new connector roads in south Lake County, with infrastructure planned ahead of residential growth. The site is about 4 miles north of Waterside Pointe Ph I I P S T.
Plans for Mattel indoor water park near Lake Buena Vista Factory Stores expand to 13 acres
Updated plans for the site off State Road 535 show a 95,000-square-foot indoor water park designed by Martin Aquatic, a separate 45,000-square-foot entertainment building and nearly 900 parking spaces. The tower height rises to as much as 100 feet and still needs Orange County approval. About 200 jobs are expected, and no opening date has been announced.
Why it matters: The project would add visitor attractions, dining and roughly 200 jobs near the State Road 535 corridor, with added traffic and parking demand nearby. The site is about 11 miles east of Waterside Pointe Ph I I P S T.
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.
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.
GRADEC
Groveland ElemAssigned elementary school · Lake County School District · Grade C (Florida DOE 2025-26)
Clermont MiddleAssigned middle school · Lake County School District
GRADEB
South Lake HighAssigned high school · Lake County School District · Grade B (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 411 Rock Springs Circle, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2012: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $182/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.
Listed living area is 2,444 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $6,150/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,575 more per year than the current owner’s estimated bill (+139%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
Stellar MLS, checked against the MLS hourly (last: October 12, 2026)
Comparable sales
Stellar MLS closed sales within about 3 miles, last 18 months, as of September 20, 2026
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 411 Rock Springs Circle and when was it built?
Per the listing record, 411 Rock Springs Circle was built in 2012 and has 2,444 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 411 Rock Springs Circle in?
411 Rock Springs Circle is in Waterside Pointe Ph I I P S T in Groveland, Lake County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 411 Rock Springs Circle have an HOA, and how much are the dues?
The listing reports HOA dues of $182 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 411 Rock Springs Circle differ from the current owner's?
The estimate on this page (about $6,150 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,575 more per year than the current owner’s estimated bill (+139%). 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 411 Rock Springs Circle 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.
Ready when you are
See 411 ROCK SPRINGS CIRCLE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply 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.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
