EMERALD LAKES CO-OP HOMES FOR SALE IN CLERMONT FL
Emerald Lakes is a resident-owned 55+ co-op of about 211 manufactured homes on 33 acres on the Clermont Chain of Lakes, on State Road 50 just west of downtown Clermont, with its own marina and boat slips. There is no lot rent and no CDD: buyers purchase the home and, on most homes, a share in the co-op that owns the land.
Every Emerald Lakes home for sale is below, live from the MLS, along with what homes here actually sell for and how the co-op’s dues and shares work.
EMERALD LAKES HOMES FOR SALE RIGHT NOW
Every active Emerald Lakes listing, newest first, pulled live from the MLS each time this page loads. Page through them with the arrows, or open the full map search to filter by price and beds and get new listings by email.
WHAT EMERALD LAKES HOMES ACTUALLY SELL FOR
Only 10 Emerald Lakes homes have sold on the MLS in the last three years, so treat these figures as a guide, not a trend. Closed sales inside Emerald Lakes, October 27, 2023 to October 27, 2026.
WHERE 10 SALES LANDED
Sales by Year
| 2024 | 3 | $196,500 | $146 |
| 2025 | 2 | $219,500 | $179 |
| 2026 so far | 5 | $151,500 | $143 |
Source: Stellar MLS closed sales inside the Emerald Lakes boundary, pulled October 27, 2026; “2026 so far” runs January 1 to October 26. All 10 sales were two-bedroom manufactured homes; 3 were on the water. Figures are medians, not averages. Sale-to-list compares the sale price with the final list price.
WHAT IT COSTS TO OWN IN EMERALD LAKES
A co-op works differently from a subdivision. Here are the dues, the share, the taxes and how buying works, from the co-op’s own documents and recent MLS listings.
LIFE AT EMERALD LAKES
What Emerald Lakes residents share: a marina on the Chain of Lakes, a heated pool and clubhouse, and a full calendar of clubs and classes.
THE HOMES, THE CO-OP AND THE RULES
A resident-owned park of manufactured homes on the water. Here is how Emerald Lakes works.
The Homes
Emerald Lakes homes are single-story manufactured homes, most of them built in the 1970s.
- Bedrooms: all 10 sales in the last three years were two-bedroom, two-bath homes.
- Size: 864 to 1,344 sq ft on those sales; the co-op requires at least 700 sq ft, 12 feet wide and two bedrooms.
- Age: built 1973 to 2020, with a median of 1974.
- Roofs: metal on 9 of 12 recent listings.
- Water: 3 of the 10 sales were on the water.
- Lot types: hill, interior, river, marina and lake, which set the share value and the dues.
How the Co-op Works
- Ownership: the residents bought the park in 2000 and formed Emerald Lakes Co-Op, Inc., a Florida not-for-profit run by a seven-member board.
- Two kinds of owner: 122 shareholders, who own a co-op share and their home, and 89 homeowners, who own their home without a share and pay a higher monthly assessment.
- No lot rent: shareholders pay monthly dues instead.
- Buying: the board approves every resident, and every share sale goes through the co-op’s attorney.
- Ownership limit: no one may hold an interest in more than two homes in the park.
The Rules
- Age: one resident 55 or older; a second resident at least 40.
- Pets: no dogs except as required by law; one or two indoor cats.
- Guests: up to 15 days in a row and 30 days a year unless the board approves longer.
- Vehicles: up to three per homesite; golf carts, mopeds and motorcycles allowed; RVs and boats in the storage lot.
- Yards: the co-op mows and edges; residents handle trees, shrubs, beds and weeding.
From the co-op’s Rules and Regulations (updated June 2022). We confirm the current rules for every buyer.
What’s Nearby
- The entrance: 1401 West Highway 50, Clermont 34711, on State Road 50 west of downtown Clermont.
- The water: the Clermont Chain of Lakes, reached from the community marina and boat launch.
- Orlando: about 18 miles east on State Road 50.
Sources: Stellar MLS closed sales and listing records via century21hancock.com (October 2023 to October 2026, pulled October 27, 2026); Emerald Lakes Co-Op facts sheet and Rules and Regulations (emeraldlks.com); Florida Division of Corporations.
EMERALD LAKES FAQs
No. The residents own the park through their co-op, so there is no lot rent. A home with a co-op share pays shareholder dues of $305 a month on current MLS listings, and a home without one pays a higher monthly assessment.
Membership in Emerald Lakes Co-Op, Inc., which owns the 33 acres, the marina, the clubhouse and the pool. The co-op's 2024 share values were $50,000 to $60,000 by lot type, and listings say whether a home includes one.
Water, sewer, trash, cable TV, internet with Wi-Fi, and lawn mowing and edging. Hill lots exclude water, sewer and trash.
It depends on the home. These are manufactured homes, the board must approve every resident, and share sales go through the co-op's attorney. One recent listing noted that it qualified for conventional financing. Tell us how you plan to pay, and we will confirm what works before you make an offer.
No. Emerald Lakes is a resident-owned co-op, not a developer subdivision, so there is no CDD.
One resident in each home must be 55 or older, and a second resident must be at least 40.
No, except as required by law. Residents may keep one or two cats indoors.
Yes. The community has a boat launch and marina slips that residents can rent, plus a trailer storage lot.
No gate is documented. The co-op's rules mention perimeter fences and visitor parking passes.
Over the last 12 months, Emerald Lakes homes sold from $80,000 to $197,000, with a median of $151,500, across 5 sales. Waterfront homes have sold for more than $300,000 (MLS, October 2026).
You can call us at (407) 267-2319, email contact@century21hancock.com, or submit a contact form on this page. We respond quickly and will connect you with the right member of our team based on your needs.
During business hours, most inquiries receive a response within the same day — often within an hour. Messages sent after-hours or on weekends are typically returned the next business day.
Absolutely. Whether you’re early in the process, researching the market, or just curious — we’re here to answer questions and help you understand options. There is no obligation.
In most residential real estate transactions, the seller pays the broker commissions out of the final sale price. That means you get professional representation and negotiation usually at no direct out-of-pocket cost to you. We will explain exactly how this works in our first meeting.
Yes. Sellers in Clermont, Florida usually don't accept an offer without a pre-approval letter from a lender or proof of funds for a cash offer. If you don't have a lender yet, we can introduce you to local mortgage brokers who get deals done.
Once your offer is accepted by the seller, a standard closing takes 30 to 45 days. The time it takes to find the house depends on the market and your specific needs.
That is why we include inspection contingencies in your offer. If the inspector finds a bad roof or faulty plumbing, you have options. We can ask the seller to fix it, ask for a credit to fix it yourself later, or walk away from the deal and keep your initial deposit.
WHAT PEOPLE SAY ABOUT US
Carlos Fojo
"If you are considering buying or selling a home, look no further than Matt Mobley, Gina, Lydia Wells, and the entire Century 21 Hancock Realty team in Clermont, FL. They exceeded our expectations every step of the way, and I highly recommend them to anyone looking for a smooth and successful real estate experience."
SUE CAMERON
"Excellent selling experience because Matt and Lydia understand the market and even more importantly they draw on extensive knowledge and experience to make it happen. From the first day we met we knew we could trust them to act in our interest. They went above and beyond repeatedly in helping us prepare for selling and in the execution of the transaction."
Deb Moline
"Matt and his team were the absolute best. They were so great at communicating and our emails were answered so quickly. They were available and with us every step of the way. The selling and closing of our home went so smoothly. It was the best experience we've had selling a home. Working with Matt and his team takes all the worry and anxiety out of selling your home."
Kelly Jo
"Matt & Lydia are a dynamic duo. Great contact and always go the extra mile, which is why we have used them several times...buy and sells. Repeat business, says a lot!!"
Lady Angela
"Matt and his team worked hard to help us find a home and helped us step by step through the process. This is our third time working with this group. Highly recommend!!!"
Patrick Griego
"We feel incredibly fortunate to have found Gina and the team... to help us purchase our first home. She expertly guided us through the deal, even while we were on the other side of the country."
SEE EMERALD LAKES IN PERSON
Call or text (407) 267-2319, or send the form. We will line up showings of the homes you pick and bring the dues and share details for each one.
Broker/Owner
Matt Mobley
800+ Served
$237,000,000+ Sold
BK3213923 FL
homeswithmatthew@gmail.com
WHAT HAPPENS WHEN YOU REACH OUT
- Call, text or send the form. Any agent in our Clermont office can take your call at (407) 267-2319.
- Tell us the homes you like. We send the dues, share and tax details for each one.
- See them in person. We line up private showings on your schedule.
WHY BUY IN EMERALD LAKES WITH US?
We know these communities. HOA and CDD costs, what the dues cover, age rules and golf-cart access differ from one 55+ gate to the next, and we check them for every home you consider.
We protect your equity. Whether you are selling a larger home or buying your next one, we handle pricing, inspections and negotiations.
Visit us: CENTURY 21 Hancock, 1010 East Ave, Clermont, FL 34711. Office hours Monday to Friday, 8:30 AM to 4:30 PM; after hours by request.
Compare Other Clermont-Area 55+ Communities
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