Clermont ZIP 34711: 2026 Mortgage Broker Guide
Clermont ZIP 34711 covers Clermont in Lake County, the Orlando metro's lake-country suburb. Master-planned communities, lake-front inventory, top retiree market. Median home price approximately $460,000. This guide covers 34711 mortgage programs.
ZIP 34711 Overview
Clermont is in southern Lake County, west of Orlando. ZIP 34711 covers most of Clermont. Population approximately 50,000 and growing rapidly.
Clermont is distinctive in Florida for its rolling hills (the "Sugarloaf Mountain" area is the highest point in peninsular Florida) and extensive lake system. Substantial citrus heritage. Strong growth driven by retiree migration, Orlando employment access via FL-50, and accessible pricing relative to Orlando metro luxury suburbs.
Buyer demographics: retirees from Northeast/Midwest (heavy concentration), Orlando-area workforce, growing remote-worker segment.
Clermont Communities
Kings Ridge (55+ active adult)
Premier 55+ community. $300K-$700K.
Heritage Hills (55+ active adult)
55+ master-planned. $400K-$700K.
Lakeside Village
Lakefront residential. $400K-$1M.
Magnolia Pointe
Master-planned. $400K-$800K.
Lost Lake
Master-planned. $400K-$900K.
Older Clermont residential
$300K-$600K.
2026 Pricing & Market
- 34711 median: ~$460,000
- Lakeside Village (lakefront): $400K-$1M
- Lost Lake, Magnolia Pointe: $400K-$900K
- Heritage Hills (55+): $400K-$700K
- Kings Ridge (55+): $300K-$700K
- Older residential: $300K-$600K
The 2026 Lake County conforming loan limit is $832,750. Almost all 34711 transactions are conforming.
Loan Programs
- Conventional — most common
- FHA — for accessible inventory
- VA — for veterans
- USDA — eligibility in adjacent unincorporated Lake County areas
- Asset-Based — for retirees with portfolio income (substantial Clermont segment)
- Construction-to-Permanent — for new construction
Frequently Asked Questions
What is the median home price in Clermont 34711?
Approximately $460,000 in 2026. Range: $300K Kings Ridge 55+ entry to $1M lakefront luxury.
Why is Clermont distinctive geographically?
Lake County's rolling hills and lake system are unusual for Florida. Sugarloaf Mountain area is the highest point in peninsular Florida. Substantial citrus heritage. Distinctive scenic character.
What 55+ communities are in Clermont?
Kings Ridge and Heritage Hills are the major 55+ active adult master-planned communities. Pricing $300K-$700K. Substantial amenities.
Does Clermont 34711 qualify for USDA loans?
Limited within 34711 itself due to suburban density. Substantial USDA eligibility in adjacent unincorporated Lake County areas. Verify specific addresses.
How close is Clermont to Orlando?
Approximately 30-40 minutes to downtown Orlando via FL-50. Approximately 25-30 minutes to Disney World via FL-50/I-4 connection.
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