2045 Suwannee Banks St, Clermont, FL, 34711
About This Home
A rare opportunity to own a highly upgraded home without the cost or wait of new construction. This beautifully upgraded 4-bedroom, 3-bath home offers a true move-in ready experience with extensive owner improvements throughout. Located on a larger-than-average lot in the sought-after Waterbrooke community, this home stands out for its quality finishes and thoughtful upgrades. Highlights include new flooring throughout, professional interior painting with custom wallpaper, upgraded lighting, elegant chandeliers, a decorative living room panel, and a cozy fireplace. The kitchen features an upgraded cabinet color, larger-than-standard sink, premium dishwasher, pantry door, and a whole-house reverse osmosis water system, plus an additional built-in dual filtration system at the kitchen sink (approx. $6,000 value). All bathrooms were upgraded with walk-in glass showers (no tubs), and the home also offers upgraded stair railings, whole-house gutters, electronic smart lock. Furniture is negotiable. Enjoy resort-style community amenities, excellent schools, and convenient access to major roads, shopping, and dining.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2022
Materials
- Foundation: Slab
- Roof: Shingle
- Construction materials: Block,Stucco
Type & Style
- Home type: SingleFamily
- Architectural style: Contemporary,Ranch
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Microwave,Range,Refrigerator,Washer
- Laundry features: Inside,Laundry Room
Bathroom2
- Level: Second
Bathroom3
- Level: First
Bedroom2
- Features: Built-in Closet
- Level: Second
Bedroom3
- Features: Built-in Closet
- Level: Second
Bedroom4
- Features: Built-in Closet
- Level: First
Bedrooms & Bathrooms
- Bedrooms: 4
- Bathrooms: 3
- Full bathrooms: 3
Dining Room
- Level: First
Features
- Ceiling Fan(s),Eating Space In Kitchen,High Ceilings,Kitchen/Family Room Combo,Living Room/Dining Room Combo,Open Floorplan,Primary Bedroom Main Floor,Solid Wood Cabinets,Stone Counters,Thermostat,Walk-In Closet(s)
- Door features: Sliding Doors
- Flooring: Vinyl
Great Room
- Level: Second
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 3,152
- Total interior livable area: 2,382 sqft
Kitchen
- Level: First
Laundry
- Level: Second
Living Room
- Level: First
Primary Bathroom
- Level: Second
Primary Bedroom
- Features: Walk-In Closet(s)
- Level: Second
Property
Details
- Parcel number: 272226020200027500
- Special condition: None
Features
- Levels: Two
- Stories: 2
- Patio & porch: Front Porch,Patio
- Exterior features: Garden,Sidewalk
- Fencing: Fenced
Lot
- Lot size: 6,564 sqft
Parking
- Total spaces: 2
- Parking features: Driveway,Garage Door Opener
- Has garage: Yes
- Attached garage spaces: 2
- Covered spaces: 2
- Has uncovered spaces: Yes
Climate Risk is Financial Risk
Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.
Biggest Threats for This Home
- Inland Flooding
- Lightning
- Strong Wind
- Tornado
- Hurricane
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in Lake County and Florida
Understanding the Costs
Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.
Estimated Costs Today
| Monthly | Annual | |
|---|---|---|
| Mortgage | $3,226 | $38,712 |
| Home Insurance * | $370 | $4,440 |
| Property Taxes | $882 | $10,584 |
| Electricity | $239 | $2,876 |
| Total | $4,717 | $56,604 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
How Costs Could Change Over Time
Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-03-26 | Price change | $638,000 |
| 2026-01-27 | Listed for sale | $645,000 |
| 2022-02-04 | Sold | $454,885 |
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