CENTURY 21 Edge
$734,5004 bd3 ba3,245 sqft$226 /sqft$5,403 /mo all-in ↓

2985 WATER CLOVER COURT, APOPKA, FL, 32712

Active17 days on marketListed Sep 3, 2026MLS #O6438017

New constructionSingle Family ResidenceACUERA ESTATES

About this home

2985 WATER CLOVER COURT

Virtually Staged. !! NEVER LIVED IN AND EXTENSIVELY UPGRADED AFTER PURCHASE !! *$15,000 Seller credit towards RATE BUY-DOWN* This beautifully finished home in Acuera Estates offers the feel of new construction without waiting to build, plus a long list of thoughtful upgrades already completed for you. Highlights include LUXURY VINYL PLANK FLOORING throughout, WHOLE-HOME PLANTATION SHUTTERS, upgraded lighting, fixtures and ceiling fans, an upgraded staircase, whole-home WATER SOFTENER AND FILTRATION system, hybrid water heater, EPOXY-COATED GARAGE FLOORS, interior and exterior paint, and a striking ELECTRIC FIREPLACE FEATURE WALL. Even the kitchen has been elevated with an LG Craft Ice refrigerator. Set on a PRIME .26-ACRE CORNER LOT on a CUL-DE-SAC, the home delivers extra breathing room, privacy, manicured landscaping, a covered front porch and fantastic CURB APPEAL. Inside, abundant space and a fresh, modern palette create a home that feels polished yet comfortable. The OPEN-CONCEPT MAIN FLOOR centers around a must-see CHEF'S KITCHEN featuring sleek countertops, extensive cabinetry and storage, a decorative backsplash, pendant lighting, built-in STAINLESS STEEL APPLIANCES and a HUGE ISLAND with bar seating. The kitchen flows seamlessly into the living area, where the custom fireplace wall creates an eye-catching focal point. The MAIN FLOOR BEDROOM & FULL BATH provide excellent flexibility for guests, multi-generational living or a private home office. Upstairs, a spacious BONUS/LOFT adds another versatile living area. The impressive PRIMARY SUITE has been further customized with an accent wall and a separate SITTING ROOM tucked behind stylish custom sliding doors, plus a large WALK-IN CLOSET and private en-suite bath. Two additional bedrooms share a full bath, while the conveniently located SECOND FLOOR LAUNDRY makes everyday routines easier. Outside, the WRAP AROUND LANAI creates plenty of room for relaxing, dining and entertaining, while the 3-CAR GARAGE provides excellent parking and storage. Furniture is also negotiable! The location within Acuera Estates is just as appealing, with a COMMUNITY PLAYGROUND and KELLY PARK K-8 only about a 2-minute walk away. Enjoy convenient access to the Northwest Recreation Complex, Jason Dwelley Sports Complex, SR-429, Kelly Park/Rock Springs, Wekiwa Springs State Park, shopping, dining and recreation, with the highly anticipated Wyld Oaks development also nearby. NEW, NEVER OCCUPIED, BEAUTIFULLY UPGRADED and ready for its next owner to call it HOME. Call today to schedule your tour!

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

3,245

Sqft

0.26 ac

Lot size

3

Garage

2025

Year built

Two

Levels

$226

Per sqft

FireplaceNegotiablePets allowed

Inside

FlooringLuxury Vinyl · Tile
AppliancesBuilt-In Oven · Convection Oven · Cooktop · Dishwasher · Disposal · Dryer · Exhaust Fan · Microwave · Range Hood · Refrigerator · Washer · Water Filtration System · Water Softener
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Open Floorplan · PrimaryBedroom Upstairs · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesSouth
ParkingDriveway · Garage Door Opener
ExteriorIrrigation System · Lighting · Sidewalk · Sliding Doors · Sprinkler Metered

Community & fees

HOA fee$151/mo
Taxes (2025)$10,238/yr
PetsYes
CommunityCommunity Mailbox · Playground · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Phone Available · Public · Sewer Connected · Sprinkler Meter · Sprinkler Recycled · Street Lights · Water Connected
WaterPublic

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.

$5,403 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,963
PMI (est., until 20% equity)$275
Property tax — 2025 actual bill$853
HOA fee — from the listing$151
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $73,450Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $73,450
Interest rate6.00%
Loan term

Estimated payment

$5,403/mo

Principal & interest$3,963
PMI (est., until 20% equity)$275
Property taxes (actual bill)$853
HOA / condo fee$151
Est. insurance$160

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.

List $735K
$615KedgeAI estimate $666,711 · range $641K$707K$764K

vs edgeAI estimate

+10.2%

$/sqft vs Apopka actives

$226 vs $217

Days on market

17 vs 40 typical

Where $226/sqft sits among the 400 Apopka actives

99
165 · this home
81
27
5
23
$158–195$195–232$232–269$269–306$306–342$342+

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 Apopka

Drive times from this address

Downtown Orlando34 min
Universal Orlando38 min
Walt Disney World43 min
Orlando Int’l Airport (MCO)49 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Apopka. See the full Apopka guide →

APOPKA 32712 — neighborhood snapshot

Population

49,522

Median age

41.9

Median income

$106,264

Median home value

$389,900

Avg household

3.04

Households w/ children

5,838

For the school run

Orange County School District

ElementaryZellwood Elementary★★★★★
MiddleWolf Lake Middle★★★★★
HighApopka High★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Apopka market

Seller’s marketLeans seller3.3 months of inventoryBuyer’s market

$399K$405K

Apopka median sold, yr/yr

98.3%

Sale-to-list ratio (12 mo)

215 of 400

Apopka actives have cut their price

Median sold price, Apopka, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 63% above the APOPKA 32712 median. See the full Apopka market guide →

Paper trail

This home's history

Sep 3, 2026Listed at $734,500 · 17 days on market since
2025Built · ACUERA ESTATES

Reality check

What actually sold near 2985 WATER CLOVER COURT

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3540 LEMON BUTTON TERRACESold · Apr ’26

$746,378

3540 LEMON BUTTON TERRACE · same community

4 bd · 2.5 ba · 3,095 sqft · $241/sqft · 0 DOM

3497 LEMON BUTTON TRACESold · Nov ’25

$682,960

3497 LEMON BUTTON TRACE · same community

5 bd · 4 ba · 3,417 sqft · $200/sqft · 62 DOM

3028 WATER CLOVER COURTSold · Sep ’25

$699,990

3028 WATER CLOVER COURT · same community

5 bd · 4 ba · 3,417 sqft · $205/sqft · 133 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.

Darrick Cook

Your agent

Darrick Cook

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 2985 WATER CLOVER COURT — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2985 WATER CLOVER COURT — before you fall in love.

See it in person

Schedule a tour

Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

2985 WATER CLOVER COURT FAQs

What would the monthly payment be for 2985 WATER CLOVER COURT?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,403/mo — principal and interest, the actual property-tax bill, the $151/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 2985 WATER CLOVER COURT?+

The association fee works out to $151 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 2985 WATER CLOVER COURT?+

The most recent tax bill on record (2025) was $10,238. 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 2985 WATER CLOVER COURT?+

The listing reports pets: 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 Apopka?+

At $734,500, this home is listed about 63% above the Apopka median of $450,000. The market section on this page shows how the area is trending.

Which schools are assigned to 2985 WATER CLOVER COURT?+

Zellwood Elementary (elementary), Wolf Lake Middle (middle), Apopka High (high) — Orange County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of WEMERT GROUP REALTY LLC · Jenny Wemert. MLS #O6438017.

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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