
2862 CAPTIVA STREET, CLERMONT, FL, 34711
Active5 days on marketListed Sep 15, 2026MLS #G5117809
About this home
2862 CAPTIVA STREET
Welcome to 2862 Captiva Street in Heritage Hills, where space, functionality, and convenience come together in one well-designed Clermont home. From the moment you arrive, the welcoming front porch invites you in—and once inside, the spacious layout, thoughtful upgrades, and easy flow make it clear this home was built for the way you live today. The foyer opens to engineered hardwood floors, crown molding, and a flexible layout with both formal and casual living spaces. The formal living room features French doors that lead to the screened lanai, while the formal dining room provides the perfect setting for dinners and special occasions. Continue into the primary suite, where a tray ceiling adds architectural detail and the spacious en-suite bath offers a garden tub, separate shower, private water closet, dual sinks with granite counter top, pull out drawers in the lower cabinets and linen closet. There’s no shortage of storage here, with multiple linen closets throughout the home. At the heart of the home is the kitchen, featuring granite countertops, 42” cabinets with crown molding, pull-out drawers, a closet pantry, pendant lighting, and stainless steel GE Profile appliances. The oversized island includes a breakfast bar with seating for 6–8, making it an ideal gathering spot. Just beyond the kitchen, the bright dinette features bay windows and creates a natural connection to the spacious family room. The family room delivers even more room to spread out, with a tray ceiling, French doors to the lanai, and magnetic blinds. Three additional bedrooms provide flexibility for family, guests, an office, or hobbies. Bedroom 3’s daybed is negotiable, along with the other furniture in the home and the full-length mirror in the primary bedroom conveys. Step outside to the screened lanai and enjoy additional living space with hurricane shutters already in place and a backyard hedge providing added privacy. It’s an easy spot to relax, entertain, or simply enjoy the Florida lifestyle. Practicality continues with a dedicated laundry room featuring cabinets and linen storage, plus the washer and dryer convey. And for those who need serious storage and parking, the TRUE 3-CAR GARAGE delivers—with two garage door openers, shelving, and pull-down stairs leading to the attic. There is even extra insulation in the attic spaces throughout the home. Beyond the home itself, Heritage Hills adds even more value. The HOA provides exterior painting on a scheduled cycle, lawn maintenance, cable, internet, reclaimed irrigation water, and termite coverage. Add the convenient Clermont location near shopping, dining, medical facilities, and major roadways, and you have a home that offers not only impressive space, but also convenience and a lifestyle designed to make everyday living easier. If you’ve been looking for a home that gives you room to live, entertain, store what you need, and enjoy the benefits of Heritage Hills, 2862 Captiva Street deserves a closer look.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,562
Sqft
0.21 ac
Lot size
3
Garage
2017
Year built
One
Levels
$213
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,771 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$4,771/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+2.2%
$/sqft vs Clermont actives
$213 vs $222
Days on market
5 vs 46 typical
Where $213/sqft sits among the 400 Clermont actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Heritage Hills
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clermont. See the full Clermont guide →
Heritage Hills — neighborhood snapshot
Population
3,343
Median age
52
Median income
$105,987
Median home value
$426,700
Avg household
3
Households w/ children
306
For the school run
Lake County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Clermont market
$443K → $445K
Clermont median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
254 of 400
Clermont actives have cut their price
Median sold price, Clermont, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 19% above the CLERMONT 34711 median. See the full Clermont market guide →
Paper trail
This home's history
Reality check
What actually sold near 2862 CAPTIVA STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$520,000
2735 KINGSTON RIDGE DRIVE
4 bd · 3 ba · 2,569 sqft · $202/sqft · 127 DOM
Sold · Aug ’26$548,000
2722 KNIGHTSBRIDGE ROAD
4 bd · 3 ba · 2,571 sqft · $213/sqft · 2 DOM
Sold · Nov ’25$520,000
4516 BARRISTER DRIVE
4 bd · 3 ba · 2,539 sqft · $205/sqft · 4 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 2862 CAPTIVA STREET — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2862 CAPTIVA STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2862 CAPTIVA STREET FAQs
What would the monthly payment be for 2862 CAPTIVA STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,771/mo — principal and interest, the actual property-tax bill, the $523/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 2862 CAPTIVA STREET?+
The association fee works out to $523 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2862 CAPTIVA STREET?+
The most recent tax bill on record (2025) was $7,666. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2862 CAPTIVA STREET?+
The listing reports pets: Cats OK, Dogs OK, Number Limit. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Clermont?+
At $544,900, this home is listed about 18% above the Clermont median of $460,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2862 CAPTIVA STREET?+
Windy Hill Middle School (middle), East Ridge High School (high), Lost Lake Elementary School (elementary) — Lake County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Positioned at the premium end
$544,900 runs 19% above the CLERMONT 34711 median — but at 2,562 sqft it's also 24% larger than the typical Clermont listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $523/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Fresh on the market
Only 5 days on market in a Clermont market that averages 46 — if it fits, move quickly.
05Strong assigned schools
Windy Hill Middle School, East Ridge High School, Lost Lake Elementary School — Lost Lake Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ELITE PARTNERS III REALTY · Regina Cruz. MLS #G5117809.
IDX 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 accurate by Stellar MLS.
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