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12451 Clear Sapphire Dr, Winter Garden, FL, 34787

3beds
3baths
2,500sqft
$623,690
$249price/sqft
$4,098/moest. monthly cost
$163,920/yrincome needed

About This Home

Find your dream home at Osprey Ranch, a beautiful community of new homes for sale in Winter Garden, FL. Choose from a stunning selection of luxury new-construction single-family homes offering up to 5 beds, 4.5 baths, and 4,008 sq. ft., each finished in one of our designer-curated Looks. A resort-inspired pool and cabana, splash pad and playground, and dog park await in this perfectly located community. Nestled in the highly sought-after Horizon West suburb of Winter Garden, Osprey Ranch offers a lifestyle of comfort and adventure. The new-construction homes at Osprey Ranch showcase top-tier quality and craftsmanship, with a variety of spacious single-family floorplans and elegant townhomes, ensuring that your new home in Horizon West matches your taste. Offered By: K. Hovnanian Osprey Ranch, LLC The Suncrest II offers: First-floor Extra Suite offers privacy for guests. Kitchen with quartz central island & designer cabinetry. Sliding glass door in great room opens to the covered lanai. Primary suite with tray ceiling for added charm. Luxurious primary bath with dual sinks & glass shower enclosure. Second-floor loft adds flexible extra living space.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
Water Spring ElementaryGrades PK-52.2 mi
5/10
Horizon High SchoolGrades 9-123.4 mi

Construction

Condition

  • Property condition: New Construction,Under Construction
  • New construction: Yes
  • Year built: 2026

Other

  • Builder name: K Hovnanian Homes

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Interior Area

  • Total interior livable area: 2,500 sqft

Property

Features

  • Levels: 2.0
  • Stories: 2

Parking

  • Total spaces: 2
  • Parking features: Attached,Detached
  • Has garage: Yes
  • Attached garage spaces: 2

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

  • Cold Wave
    Cold WaveVery High
  • Strong Wind
    Strong WindVery High
  • Tornado
    TornadoVery High
  • Hail
    HailRelatively High
  • Hurricane
    HurricaneRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Wildfire
    WildfireRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Cold Wave
Strong Wind
Tornado
Hail
Hurricane
Inland Flooding
Lightning
Wildfire
Heat Wave

FEMA Declared Disasters in Orange County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

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

MonthlyAnnual
Mortgage $3,153$37,836
Home Insurance *$268$3,216
Property Taxes $426$5,112
Electricity $251$3,019
Total$4,098$49,176
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$140,502/yr
40% on housing$122,940/yr
45% on housing$109,280/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

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.

Insurance Growth Rate5-year average: 14.0%
14.0%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 3.0%
3.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$249This listing

vs Other Active Listings

Avg $/sqft

ZIP 34787$252
Orange County$236

vs Homes Sold Last Month

Median $/sqft

ZIP 34787$257
Orange County$245

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

DateEventPrice
2026-05-02Price change$623,690
2026-04-17Price change$620,690
2026-03-22Price change$624,990
2026-03-05Listed for sale$630,199

New Construction Spec

BrokerageK Hovnanian Homes

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