12120 ELBERT STREET, Clermont, FL, 34711 | $1,395,000

Expansive Clermont Chain of Lakes Lifestyle
Welcome to 12120 Elbert Street, a 4, 437 SqFt (Property total footprint) DIRECT Clermont Chain Of Lakes, Lake Minnehaha residence. NO STREET in between home and Lake.
This property offers a rare opportunity to live on one of Florida’s most celebrated waterways—the Clermont Chain of Lakes. Composed of 13 interconnected, navigable lakes, this extraordinary aquatic playground invites endless days of aquatic activity from Championship fishing, rowing, swimming, kayaking, paddle boarding, to sunrise and sunset enjoyment. From your own backyard you can explore miles of waterways, discover hidden coves, and enjoy direct access to waterfront dining and lively seasonal events.
Tucked lakeside, down a quiet shade lined cul-de-sac, your private retreat captures unforgettable sunrise views and the peaceful rhythm of waterfront living. Inside, expansive gathering areas flow to a Tennessee flagstone lined pool and spa overlooking Lake Minnehaha, while telescoping sliding doors frame the ever-changing scenery. Whether enjoying a leisurely morning cup of coffee, an afternoon of boating or hosting friends for an evening on the patio, every moment here celebrates a lifestyle defined by tranquility, recreation, and natural beauty.
Clermont itself is a destination of natural beauty and vibrant energy. Known for its rolling hills and elevated vistas, the area provides a striking backdrop rarely found in Florida. Clermont’s picturesque community features a thriving Historic District, scenic parks, and trails that draw visitors year-round. Beyond its unique landscape, Clermont has earned an international reputation as a world-class training center for elite athletes, including triathletes and Olympic competitors, who come to take advantage of the area’s terrain, pristine lakes, and temperate climate.
Discover why Clermont is treasured by locals and admired by visitors worldwide—an unparalleled combination of small-town charm, outdoor adventure, and breathtaking lakefront living awaits at 12120 Elbert Street.

Home Warranty Provided by Seller at Time of closing.

Features

  • Amenities: Park
  • Rooms: 9
  • Bedrooms: 4
  • Baths: 3 full / 1 half
  • Lot Size: 137 x 160
  • Laundry: Common Area, Electric Dryer Hookup, Inside, Laundry Room, Washer Hookup
  • Style: Contemporary, Mid-Century Modern, Other, Patio, Ranch, Traditional
  • Year Built: 1984
  • Garage: 3-car Driveway, Garage Faces Side, Golf Cart Garage, Golf Cart Parking, Ground Level, Guest, Off Street, Oversized
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 3,277
  • Acreage: 0.5
  • Lot Size: 137 x 160
  • Est. Taxes: $7,240
  • HOA Fee: $150 Annually
  • Lot Desc: Cul-De-Sac, In County, Oversized Lot, Street Dead-End
  • View: Pool, Water
  • Pool: Gunite, Heated, In Ground, Lighting, Outside Bath Access, Pool Sweep, Screen Enclosure, Tile
  • Pet Policy: Yes
  • Appliances: Dishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Ice Maker, Microwave, Range, Range Hood, Refrigerator, Washer, Water Filtration System, Water Purifier, Water Softener
  • MLS#: G5102842
  • Days on Market: 109 days
  • Website: https://www.raveis.com
    /eprop/G5102842/12120elbertstreet_clermont_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 2/22/2026 11:41:43 PM)
Listing courtesy of BONJORN REAL ESTATE   Phone: 352-394-2112

William Raveis Family of Services

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Customer Service

888.699.8876

Contact@raveis.com

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

12120 ELBERT STREET, Clermont, FL, 34711

$1,395,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Jumbo*
30 Year
Fixed-Rate Jumbo
15 Year
Fixed-Rate Jumbo
Loan Amount $1,116,000 $1,116,000 $1,116,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.375% 5.750% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.117% 5.585% 5.806%
Monthly Tax Payment $603 $603 $603
H/O Insurance Payment $125 $125 $125
Initial Principal & Interest Pmt $6,249 $6,513 $9,193
Total Monthly Payment $6,977 $7,241 $9,921

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.  The Total Monthly Payment does not include the estimated HOA/Common Charge payment.