3 bedroom Single Family Residence at 468 SHADY CREEK LANE, EAST LAKE ESTATES, CLERMONT — photo 1Front elevation
3 bedroom Single Family Residence at 468 SHADY CREEK LANE, EAST LAKE ESTATES, CLERMONT — photo 2Living space
3 bedroom Single Family Residence at 468 SHADY CREEK LANE, EAST LAKE ESTATES, CLERMONT — photo 3Kitchen
3 bedroom Single Family Residence at 468 SHADY CREEK LANE, EAST LAKE ESTATES, CLERMONT — photo 4Owner's suite
3 bedroom Single Family Residence at 468 SHADY CREEK LANE, EAST LAKE ESTATES, CLERMONT — photo 5Exterior / yardView all 6 photos →
New — 7 days on market Single Family Residence
$425,000
3-Bedroom Pool Home in EAST LAKE ESTATES

468 SHADY CREEK LANE, CLERMONT, FL 34711

Single Family Residence in EAST LAKE ESTATES, CLERMONT · No CDD
EAST LAKE ESTATES · CLERMONT, FL 34711 · Lake
Listing data updated September 2, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,858Sq Ft
2004Year Built
$229Per Sq Ft
Private pool2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
in line with
$/sq ft vs community
$229 here vs $229 median sold (12 mo)
Buyer leverage
Strong buyer advantage
7 days on market
12.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~140 ft elevation
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.

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

Highlights
  • No CDD assessment on record
  • Built 2004 · 22 yrs
  • 1,858 sq ft of living area
  • 2-car garage
  • New to market
  • HOA $42/mo (per listing)
Property timeline

This home’s history

  • 2004BuiltPer public record
  • Aug 4, 2026First trackedObserved at $425,000
  • 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

$2,776/mo
  • Principal & interest $2,185/mo 79%
  • Taxes $372/mo 13%
  • Insurance $177/mo 6%
  • HOA $42/mo 2%

$2,776/mo at 20% down, 30-yr @ 6.66% · edit any field to update.

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

Cost to own

Property taxes

✓ Based on certified county tax roll
Estimated property taxes after purchase
$6,250/yr
$521/mo·effective rate ~1.47%
Estimated from today’s asking price and current Lake County tax rates.
⚠️

Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.

Current owner pays $3,375/yr ($281/mo)
+$2,875 more each year
(+85%)

Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.

🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$175,481
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.
$377,739
Market value
$252,980
Assessed
$202,258
Taxable
Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

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

Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.

Momentum Scores

Momentum Property Score

56/100
Strongest on: Flood safety (95), Insurance cost (72)
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 area50
This home $229/sq ft vs the community 12-month median $229/sq ft.
Affordability50
List price $425,000 vs the community median $425,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~140 ft elevation. Verify the parcel with FEMA.
Insurance cost72
From FEMA Zone X and a 2004 build. Obtain a property-specific quote.
Market liquidity35
Community inventory, ~12.0 months of supply (12-month record).
Renovation upside24
From a 2004 build and $229/sq ft vs the community median $229/sq ft. Not a condition assessment.
Buyer competition67
33% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).

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 $229 per square foot, about in line with the community’s $229 median. EAST LAKE ESTATES’s 12-month median sold price per square foot is $229. Confidence: Low · 1 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.

70% of homes in EAST LAKE ESTATES are owner-occupied. An estimated 30% are non-owner-occupied, including 10% held in a company or trust and 15% 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), 93 homes matched. Community-level context.

What’s unique here: one of only 1 active listings in EAST LAKE ESTATES, no CDD assessment.

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

Updated September 2, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

Under contract-accepting backup offers. Nestled on more than a QUARTER OF AN ACRE in the welcoming community of East Lake Estates, this BEAUTIFULLY MAINTAINED 3-bedroom, 2-bath home offers the perfect blend of comfort, style, and outdoor living. BRAND NEW ROOF prior to closing with acceptable offer.

Situated on the LARGEST LOT in the cul-de-sac, this property boasts OUTSTANDING CURB APPEAL, a spacious backyard with NO REAR NEIGHBORS, and your own PRIVATE POOL AND SPA—creating the ideal Florida retreat. Step inside through the STUNNING ETCHED-GLASS DOOR to discover an inviting floor plan featuring attractive WOOD-LOOK TILE FLOORING throughout the main living areas. The welcoming foyer is flanked by a FORMAL DINING ROOM on one side and a VERSATILE OFFICE OR DEN to the other, providing flexible spaces for entertaining, working from home, or pursuing hobbies.

At the heart of the home, the OPEN-CONCEPT Living Room and Kitchen create a warm and inviting gathering space. The beautifully updated Kitchen features solid wood white cabinetry, NEW GRANITE COUNTERTOPS (2022), stainless steel appliances, a stylish tile backsplash, a spacious breakfast bar, a convenient closet pantry and a breakfast nook with POOL VIEWS—making it as functional as it is beautiful. Cathedral ceilings in the Living Room enhance the spacious feel, while NATURAL LIGHT pours through the large picture window and glass door leading to the screened lanai, seamlessly blending indoor and outdoor living.

Step outside and enjoy your own PRIVATE BACKYARD OASIS. The screen-enclosed in-ground pool and spa, RESURFACED AND RETILED in 2023, provide the perfect setting for relaxing afternoons or entertaining guests. Beyond the lanai, the expansive backyard is fully enclosed with a VINYL FENCE (2020) and offers exceptional privacy with no rear neighbors and plenty of room for pets, play, or gardening.

The desirable SPLIT-BEDROOM FLOOR PLAN places the spacious Primary Suite in its own private wing. Wake up to peaceful views of the pool and backyard, then unwind in the generous retreat featuring DUAL WALK-IN CLOSETS and a beautifully updated en suite bath with NEW GRANITE COUNTERTOPS (2022), dual vanities, a garden tub with shower, and a private water closet. Two additional bedrooms are thoughtfully positioned on the opposite side of the home near a second full bathroom, providing comfort and privacy for family or guests.

With a LOW HOA, excellent schools, and meticulous care throughout, this home is truly MOVE-IN READY. The location is just as impressive. You're only about one mile from CLERMONT WATERFRONT PARK, where you can enjoy the sandy beach, splash pad, walking trails, fishing pier, boat ramp, and year-round community events.

HISTORIC DOWNTOWN CLERMONT is just minutes away and offers charming boutiques, local restaurants, breweries, farmers markets, festivals, and live entertainment throughout the year. Outdoor enthusiasts will appreciate NEARBY Lake Louisa State Park, the South Lake Trail, and Clermont's renowned network of CYCLING ROUTES. Shopping, dining, medical facilities, and convenient access to major roadways make commuting to Orlando and Central Florida's WORLD-FAMOUS ATTRACTIONS quick and easy.

Offering an exceptional homesite, a PRIVATE BACKYARD PARADISE, thoughtful updates, and an unbeatable Clermont location, this EAST LAKE ESTATES GEM is more than a home—it's the lifestyle you've been waiting for. Don't miss the opportunity to make it yours!

Description provided by WEMERT GROUP REALTY 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$425,000
Bed / bath3 / 2
Living area1,858 sq ft
Year built2004
Property typeSingle Family Residence
Garage2-car
PoolYes
MLS #O6428617
Listing statusNew &mdash; 7 days on market

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~140 ft
Windstorm exposureLow
CountyLake
Area listings1 active · 1 under contract
Estimated first-year tax~$4,462/yr
CDD assessmentNone on record
HOA (per listing)$42/mo

Calculated estimates

Price per sq ft$229
Estimated monthly payment$2,776
Insurance (illustrative)$2k–$3k/yr
Comparable-sales median$425,000

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 WEMERT GROUP REALTY LLC · Listing agent: Jenny Wemert · 407-743-8356Provided 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.

$375,316the mess$475,648

Actual list price: $425,000 — 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:

  • 0 active listings competing, 2 under contract
  • 12.0 months of supply
  • 1 closed here in the last 12 months

For reference, this home is listed at $425,000 ($229/sq ft) — a number set with analysis a Messtimate can't do.

Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.

Selling your own home? Try the Messtimate on your address →

Methodology: 1,858 sq ft × $202–$256/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 2, 2026.

Keep looking

Similar homes for sale near EAST LAKE ESTATES

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 $425,000Momentum Realty · on market 7 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

Property tax (first-year est.)
~$4,462/yr

A rough first-year estimate only, applying a typical Lake rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None

No CDD assessment on record for this community.

Insurance (illustrative range)
$2k–$3k/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
$42/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
~140 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida; confirm availability at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Market data · public records

Recent sales activity in EAST LAKE ESTATES

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 EAST LAKE ESTATES neighborhood guide for more.

Comparable sales found
0

Recent nearby closings in the data set.

Community median sale price
$425,000

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$229

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

Go deeper on EAST LAKE ESTATES

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.

Aurelia Cole AcademyAssigned elementary school · Lake County School District
GRADEA
East Ridge MiddleAssigned middle school · Lake County School District · Grade A (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$1,948 – $2,833/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.4%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$886 – −$90At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide

Buyer research checklist

A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.

  • Confirm roof age and condition during inspection.
  • Confirm HVAC age and condition during inspection.
  • Request current HOA documents before relying on dues or restrictions.
  • Obtain an insurance quote for this specific property.
  • Confirm school zoning directly with the district.
  • Order a survey to confirm lot boundaries.
  • Review permit history with the county.
  • Confirm whether flood insurance is required for this parcel.
  • Confirm square footage and room dimensions independently.
  • Ask the county how property taxes may change after a sale.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Provenance

Data sources & freshness

Listing recordStellar MLS, refreshed twice daily (last: September 2, 2026)
Community market statsStellar MLS closed sales, as of August 2, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costEstimated from county rates; not a quote
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

Answered before you ask

Frequently asked questions

Why might my property taxes differ from the current owner's?

Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.

Where does the flood-zone information come from?

The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.

Can I rely on the figures on this page?

No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.

Ready when you are

See 468 SHADY CREEK LANE 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.

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.