Steeve Cadeau
$565,000$575,0004 bd4.5 ba3,459 sqft$163 /sqft$4,192 /mo all-in ↓

3443 TUMBLING RIVER DRIVE, CLERMONT, FL, 34711

Active218 days on marketListed Dec 18, 2025MLS #O6367514

Reduced $10KSingle Family ResidenceCLERMONT HARTWOOD RESERVE PH 02

About this home

3443 TUMBLING RIVER DRIVE

This stunning home offers nearly 3,500 square feet of living space, featuring four spacious bedrooms, four full bathrooms, and one half bath. From the moment you step onto the large covered front porch and enter the grand foyer, you’ll be impressed by all this home has. Beautiful hardwood floors flow throughout the main living areas on the first floor, seamlessly connecting the formal living and dining rooms to the expansive layout. The home includes a three-car garage and showcases solid-surface countertops in both the kitchen and bathrooms. The large, open kitchen is equipped with stainless steel appliances and overlooks the inviting family room—perfect for everyday living and entertaining. The spacious primary suite features built-in shelving in the walk-in closet, while the luxurious primary bathroom offers separate vanities, a garden tub, and a large walk-in shower. Additional bedrooms and bathrooms are generously sized, providing comfort and flexibility for family and guests. Outside, enjoy a screened back porch and mature landscaping, creating a peaceful outdoor retreat. Offering abundant space paired with luxury amenities, this home is a wonderful opportunity for your next chapter. You're also nestled within a well-established gated community, this property enjoys an enviable location close to major highways, ensuring convenient access to all amenities. Just minutes away, residents can indulge in excellent shopping opportunities, dine at a variety of luxury and casual eateries, and explore nearby theme parks for entertainment. The neighborhood benefits from proximity to brand-new, state-of-the-art hospitals and a top notch school system, providing peace of mind for residents seeking quality healthcare services and high end education for their family. This vibrant community offers an abundance of options to suit every lifestyle need and preference. Call today to schedule a private tour.

Facts & features

The home at a glance

4

Bedrooms

4.5

Bathrooms

3,459

Sqft

0.24 ac

Lot size

3

Garage

2006

Year built

Two

Levels

$163

Per sqft

Pets allowed

Inside

FlooringCarpet · Ceramic Tile · Engineered Hardwood · Hardwood
AppliancesDishwasher · Disposal · Gas Water Heater · Range · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · L Dining · Open Floorplan · Solid Surface Counters · Solid Wood Cabinets · Thermostat · Tray Ceiling(s) · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric · Natural Gas

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesNorth
ParkingDriveway · Garage Door Opener · Ground Level · Oversized
ExteriorIrrigation System · Rain Gutters · Sliding Doors

Community & fees

HOA fee$125/mo
Taxes (2025)$7,759/yr
PetsYes
CommunityFitness Center · Playground · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesCable Connected · Electricity Available · Electricity Connected · Natural Gas Available · Natural Gas Connected · Sewer Connected · Street Lights · Underground Utilities · 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.

$4,192 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,049
PMI (est., until 20% equity)$212
Property tax — 2025 actual bill$647
HOA fee — from the listing$125
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $56,500Loan30-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% · $56,500
Interest rate6.00%
Loan term

Estimated payment

$4,192/mo

Principal & interest$3,049
PMI (est., until 20% equity)$212
Property taxes (actual bill)$647
HOA / condo fee$125
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.

$/sqft vs Clermont actives

$163 vs $222

Days on market

218 vs 33 typical

Where $163/sqft sits among the 400 Clermont actives

113 · this home
156
62
32
8
29
$163–203$203–243$243–282$282–322$322–361$361+

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

Map of 3443 TUMBLING RIVER DRIVE inside its neighborhood boundary

Drive times from this address

Walt Disney World32 min
Downtown Orlando35 min
Universal Orlando38 min
Orlando Int’l Airport (MCO)49 min

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

MiddleWindy Hill Middle School★★★★★
ElementaryLost Lake Elementary School★★★★
HighEast Ridge High School★★★★★

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

The numbers that matter

The Clermont market

Seller’s marketBalanced5.6 months of inventoryBuyer’s market

$443K$450K

Clermont median sold, yr/yr

97.8%

Sale-to-list ratio (12 mo)

194 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 21% above the CLERMONT 34711 median. See the full Clermont market guide →

Paper trail

This home's history

CurrentPrice reduced to $565,000 $10K
Dec 18, 2025Listed at $575,000 · 218 days on market since
2006Built · CLERMONT HARTWOOD RESERVE PH 02

Reality check

What actually sold near 3443 TUMBLING RIVER DRIVE

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

3662 PEACEPIPE WAYSold · Mar ’26

$590,000

3662 PEACEPIPE WAY · same community

4 bd · 4 ba · 2,966 sqft · $199/sqft · 79 DOM

4445 POWDERHORN PLACE DRIVESold · Jun ’26

$555,000

4445 POWDERHORN PLACE DRIVE · same community

4 bd · 3 ba · 2,531 sqft · $219/sqft · 15 DOM

3555 WIND RIVER RUNSold · Apr ’26

$505,000

3555 WIND RIVER RUN · same community

4 bd · 3 ba · 2,508 sqft · $201/sqft · 86 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.

Steeve Cadeau

Your agent

Steeve Cadeau

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3443 TUMBLING RIVER DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3443 TUMBLING RIVER DRIVE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Steeve's phone and CRM.

Goes straight to Steeve’s phone and CRM.

Straight answers

3443 TUMBLING RIVER DRIVE FAQs

What would the monthly payment be for 3443 TUMBLING RIVER DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,192/mo — principal and interest, the actual property-tax bill, the $125/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 3443 TUMBLING RIVER DRIVE?+

The association fee works out to $125 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3443 TUMBLING RIVER DRIVE?+

The most recent tax bill on record (2025) was $7,759. 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 3443 TUMBLING RIVER DRIVE?+

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 Clermont?+

At $565,000, this home is listed about 21% above the Clermont median of $466,500. The market section on this page shows how the area is trending.

Which schools are assigned to 3443 TUMBLING RIVER DRIVE?+

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

Four things that matter here

01Positioned at the premium end

$565,000 runs 21% above the CLERMONT 34711 median — but at 3,459 sqft it's also 67% larger than the typical Clermont listing.

02Time on market is leverage

218 days on market against a Clermont median of 33 — sellers in this position are usually ready to negotiate.

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.

04The price has already moved

Listed at $575,000, now $565,000 — a $10K cut. The full history is in the market section below.

Listing courtesy of CREEGAN GROUP · Chris Creegan. MLS #O6367514.

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.

Never miss a listing

New Clermont homes, in your inbox

Like 3443 TUMBLING RIVER DRIVE but not quite? A daily digest of every new listing in Clermont — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask Steeve to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated July 24, 2026 at 4:50 PM UTC. The listing information on this page last changed on July 24, 2026 at 4:50 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on July 24, 2026 at 4:50 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: July 24, 2026 at 4:50 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.