12901 PHILLIPS ROAD, GROVELAND, FL, 34736
Active25 days on marketListed Aug 27, 2026MLS #O6432260
About this home
12901 PHILLIPS ROAD
How many boxes does this home check for you? A custom-built home, on a ONE ACRE LOT with a PRIVATE GATE, and FULLY FENCED FRONT AND BACK YARDS. FIRST FLOOR PRIMARY SUITE with a remodeled primary bathroom. SOLAR HEATED POOL and SPA with a large shaded lanai and SUMMER KITCHEN. OVERSIZED two-car attached garage and TWO-CAR DETACHED GARAGE with storage room and carport! NEW ROOF. NO HOA FEES. NO CDD FEES. Ready to hear more? There is so much to love about this estate home in unincorporated Lake County. The first floor primary suite has a remodeled bathroom, dual closets, and a tray ceiling with crown molding. The second bedroom on the first floor would make a great office or guest room. Downstairs is another full bathroom with a walk in shower which is easily accessible from the pool. Full laundry room downstairs. The living room has soaring TWENTY-FOOT CEILINGS, a large picture window overlooking the pool, a propane fireplace, crown molding, and a dazzling chandelier in the entryway. The CHEF's KITCHEN has a WALK-IN PANTRY, two kitchen islands with onyx-galaxy granite counters, a GAS COOKTOP, a vent hood, a wine refridgerator, and lots of natural light. Upstairs you have a total of three large bedrooms and two full bathrooms, one of which is an en suite. There are walk in closets and linen closets throughout for plenty of storage. OUTSIDE you have a huge covered lanai, a screened-in, solar-heated pool and spa, and a summer kitchen that runs on propane. 50 AMP RV Outlet. Lime trees, moringa plants, and a loquat tree. The SUNSET VIEWS are stunning as the backyard faces WEST. You're surrounded by other residential homes so your views are protected. Here you can find the peace and quiet of country living while only being ten minutes from Downtown Historic Clermont's Montrose Street and the Waterfront Park on LAKE MINNEOLA. It's about a fifteen minute drive to the Florida Turnpike. You're less than three miles from the closest PUBLIX Grocery Store. Twenty-five minutes to COSTCO! Swiss Fairways 18-hole public golf course AND Swiss Waterski Resort are right around the corner. Not to mention only 30 MILES TO WALT DISNEY WORLD THEME PARKS! ROOF 2023 (home and detached garage). Electric WATER HEATER 2023. SOLAR WATER HEATER FOR POOL 2024. NEW POOL PUMP AND FILTER 2023. LVP FLOORING DOWNSTAIRS 2023. You've got to experience this home for yourself. Schedule a tour today!
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,887
Sqft
0.99 ac
Lot size
4
Garage
2001
Year built
Two
Levels
$244
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 — not generic estimates.
$6,267 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,267/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+17%
$/sqft vs Groveland actives
$244 vs $202
Days on market
25 vs 36 typical
Where $244/sqft sits among the 248 Groveland 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.
The investor lens
Two ways this home pays
This home sits inside Swiss Fairways, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,325/mo median
Live Groveland rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Swiss Fairways
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Swiss Fairways is a short-term-rental community. See the full guide →
Swiss Fairways — neighborhood snapshot
Population
61
Median age
44
Median income
$47,188
Median home value
$250,000
Avg household
2
Households w/ children
10%
For the school run
Lake County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Groveland market
$378K → $376K
Groveland median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
107 of 248
Groveland actives have cut their price
Median sold price, Groveland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 152% above the GROVELAND 34736 median. See the full Groveland market guide →
Paper trail
This home's history
Reality check
What actually sold near 12901 PHILLIPS ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$1,500,000
7100 REDWING ROAD · same community
4 bd · 2.5 ba · 2,746 sqft · $546/sqft · 11 DOM
Sold · Mar ’26$760,000
637 NEPTUNE DRIVE
5 bd · 4 ba · 3,856 sqft · $197/sqft · 250 DOM
Sold · Jan ’26$805,000
7737 SWISS FAIRWAYS AVE
5 bd · 4.5 ba · 3,781 sqft · $213/sqft · 5 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 12901 PHILLIPS ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12901 PHILLIPS ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
12901 PHILLIPS ROAD FAQs
What would the monthly payment be for 12901 PHILLIPS ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,267/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 12901 PHILLIPS ROAD?+
The most recent tax bill on record (2025) was $7,564. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 12901 PHILLIPS ROAD be rented short-term?+
Yes — this home sits inside Swiss Fairways, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 12901 PHILLIPS ROAD?+
The listing reports pets: Cats OK, Dogs OK, 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 Groveland?+
At $949,000, this home is listed about 138% above the Groveland median of $398,995. The market section on this page shows how the area is trending.
Which schools are assigned to 12901 PHILLIPS ROAD?+
Groveland Elementary School (elementary), Gray Middle School (middle), South Lake High School (high) — Lake County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$949,000 runs 152% above the GROVELAND 34736 median — but at 3,887 sqft it's also nearly twice the size of the typical Groveland listing.
02Zoned for nightly rentals
Swiss Fairways is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Ken Pozek. MLS #O6432260.
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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