4495 HARTS COVE WAY, CLERMONT, FL, 34711
Pending12 days on marketListed Aug 4, 2026MLS #O6427030
About this home
4495 HARTS COVE WAY
For RENT in Hartwood Reserve, a gated community nestled between Clermont and Winter Garden. A spacious foyer gives way to the heart of the home—a flowing combination of great room, dining area, and kitchen that invites conversation and comfort. The kitchen features warm wood cabinetry, stone countertops, generous workspace, and a breakfast bar perfect for casual mornings or keeping the cook company. Large windows frame views of the screened pool, filling the space with soft light throughout the day. With five bedrooms and three full baths spread across more than 3,255 square feet, this home offers flexibility for family, guests, or a dedicated home office. Screened in pool area and fenced backyard. The primary suite is located on the first floor, dual walking closet upgrades with wood closet organizers, while the upstairs bedrooms provide comfort and space for everyone. Tile flooring throughout the main living areas keeps the home cool and low maintenance, while wood flooring bedrooms add warmth and quiet. Enjoy easy access to shopping, dining, schools, parks, and major roadways, with downtown Clermont and outdoor recreation just minutes away. Whether you’re a first-time buyer, downsizing, or looking for a home in a prime location, this property is a fantastic opportunity. Ground care and pool service included in the rent, no animals please.
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
3,255
Sqft
0.25 ac
Lot size
2
Garage
2006
Year built
Two
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$189 /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
$189/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.
$/sqft vs Clermont actives
$1 vs $222
Days on market
12 vs 46 typical
Where $1/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 Hartwood Reserve
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Clermont. See the full Clermont guide →
Hartwood Reserve — neighborhood snapshot
Population
1,534
Median age
42
Median income
$108,125
Median home value
$377,300
Avg household
3
Households w/ children
206
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 → $444K
Clermont median sold, yr/yr
97.9%
Sale-to-list ratio (12 mo)
223 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 99% below the CLERMONT 34711 median. See the full Clermont market guide →
Paper trail
This home's history
Reality check
What actually sold near 4495 HARTS 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 · Jan ’26$613,990
Nearby listing
5 bd · 4 ba · 3,332 sqft · $184/sqft
Sold · Jan ’26$613,990
5644 LEMON GRASS STREET
5 bd · 3 ba · 3,332 sqft · $184/sqft · 108 DOM
Sold · Feb ’26$596,990
2934 BELIEVE IN YOURSELF COURT
5 bd · 3 ba · 3,332 sqft · $179/sqft · 9 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
Tanisha Sicardo
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4495 HARTS COVE WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4495 HARTS COVE WAY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Tanisha's phone and CRM.
Straight answers
4495 HARTS COVE WAY FAQs
What would the monthly payment be for 4495 HARTS COVE WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $189/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 4495 HARTS COVE WAY?+
The listing reports pets: No. 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 $4,000, this home is listed about 99% below the Clermont median of $459,999. The market section on this page shows how the area is trending.
Which schools are assigned to 4495 HARTS COVE WAY?+
Windy Hill Middle School (middle), Lost Lake Elementary School (elementary), East Ridge 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
01Under the CLERMONT 34711 market on paper
$4,000 is 99% below the CLERMONT 34711 median of $450,000, and at $1/sqft it sits under the Clermont average of $239.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Strong assigned schools
Windy Hill Middle School, Lost Lake Elementary School, East Ridge High School — Lost Lake Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 CARIOTI · Claudia D'Aquino. MLS #O6427030.
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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