190 HARBOUR COVE WAY, CLERMONT, FL, 34711
Active3 days on marketListed Oct 10, 2026MLS #G5118874
About this home
190 HARBOUR COVE WAY
Discover comfortable, low-maintenance living in Clermont Yacht Club! This well-appointed 3-bedroom, 2-bath townhome combines an open floor plan, thoughtful features, and inviting indoor and outdoor spaces in a convenient Clermont location. The kitchen features granite countertops, stainless steel appliances, and a stylish tiled backsplash. The refrigerator was purchased in October 2025, and an additional refrigerator water filter is included. The open layout connects the living and dining areas, creating a welcoming space for everyday living and entertaining. Bay windows bring in natural light, while a beautiful chandelier adds an elegant touch. The first-floor primary suite offers convenience and privacy, with dual sinks and a spacious walk-in shower featuring updated tile. Upstairs, two additional bedrooms provide flexibility for family, guests, or hobbies. Each bedroom includes two generously sized storage closets, and a separate alcove offers additional space for a home office, workout area, or reading nook. The Jack-and-Jill bathroom features an individual sink for each bedroom, with a shared shower and toilet area. An open hallway overlooking the living and dining rooms adds to the home’s spacious feel. Storage and functionality continue with an oversized two-car garage accessed from the alley, offering convenient parking and additional privacy. A Tesla car charger and a timer for the lights add everyday convenience. Outside, enjoy your own private retreat in the fenced patio, complete with pavers, lush landscaping, colorful blooming flowers, and lots of shade. It’s an inviting spot for morning coffee, outdoor relaxation, or unwinding at the end of the day. The location puts you close to Lake Minneola, Historic Downtown Clermont, and Waterfront Park, where you can enjoy local shops, restaurants, breweries, and outdoor recreation. Explore the Clermont Chain of Lakes or enjoy a ride along the West Orange Trail. With convenient access to the Florida Turnpike, major highways, hospitals, medical facilities, and Central Florida’s popular attractions, this home offers a wonderful combination of comfort and accessibility. Come see all that 190 Harbour Cove Way has to give!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,054
Sqft
0.08 ac
Lot size
2001
Year built
Two
Levels
$190
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.
$3,251 /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
$3,251/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
+1.3%
$/sqft vs Clermont actives
$190 vs $229
Days on market
3 vs 65 typical
Where $190/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 Clermont
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clermont. See the full Clermont guide →
CLERMONT 34711 — neighborhood snapshot
Population
69,727
Median age
43.7
Median income
$88,474
Median home value
$369,900
Avg household
2.69
Households w/ children
7,374
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 → $447K
Clermont median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
247 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 11% below the CLERMONT 34711 median. See the full Clermont market guide →
Paper trail
This home's history
Reality check
What actually sold near 190 HARBOUR COVE WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$470,000
164 NAUTICA MILE DRIVE · same community
3 bd · 3.5 ba · 2,294 sqft · $205/sqft · 197 DOM
Sold · Mar ’26$495,000
161 NAUTICA MILE DRIVE · same community
3 bd · 2.5 ba · 2,584 sqft · $192/sqft · 1 DOM
Sold · Dec ’25$495,000
191 NAUTICA MILE DRIVE · same community
3 bd · 2.5 ba · 2,756 sqft · $180/sqft · 78 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 190 HARBOUR COVE WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 190 HARBOUR COVE WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
190 HARBOUR COVE WAY FAQs
What would the monthly payment be for 190 HARBOUR COVE WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,251/mo — principal and interest, the actual property-tax bill, the $309/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 190 HARBOUR COVE WAY?+
The association fee works out to $309 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 190 HARBOUR COVE WAY?+
The most recent tax bill on record (2025) was $3,772. 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 190 HARBOUR COVE WAY?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Yes. 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 $389,900, this home is listed about 13% below the Clermont median of $450,000. The market section on this page shows how the area is trending.
Which schools are assigned to 190 HARBOUR COVE WAY?+
Windy Hill Middle School (middle), East Ridge High School (high), Pine Ridge Elementary School (elementary) — Lake County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the CLERMONT 34711 market on paper
$389,900 is 11% below the CLERMONT 34711 median of $437,500, and at $190/sqft it sits under the Clermont average of $241.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 3 days on market in a Clermont market that averages 65 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ELITE PARTNERS III REALTY · Regina Cruz. MLS #G5118874.
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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