Cliff Clover, REALTOR®  ·  The Clover Group at eXp Realty  ·  Central Florida since 2001
Waterfront home at dusk in Central Florida

Central Florida · Since 2001

A Central Florida realtor who tells you what the listing doesn't.

CDD fees. Short-term rental zoning. What a lender never mentions. Since 2001 and 1,800+ transactions, I've learned where those land.

Renting now? See where you stand in 90 seconds

1,800+transactions $700M+sold 5.0on Google 2001working this market
Home at dusk

Buying

First home, relocation, new construction, or lakefront. We start with what the payment actually is.

Where to start
Fishing beside a floatplane on a quiet lake

Selling

You see the comps and the full plan up front. We agree on price and prep. Then I run it, and you get back to your life.

The 89-step plan
Vacation home near Disney

Investing

Disney-area vacation homes, commercial, and land. Zoning first. Everything else second.

What to check
Cliff Clover at the hangar

Who you'd be working with

One market since 2001.

I've worked Central Florida full time since 2001, from lakefront estates on the Butler Chain to vacation homes near Disney. More than $700 million in sales, and 1,800+ transactions.

I'm also a licensed commercial pilot and a former director at Kissimmee Gateway Airport. When a property involves land, lake access, or how a community really sits, I've usually seen it from the air. It isn't a service I sell. It's how I look at property.

  • U.S. Army veteran
  • Licensed since 2001 — FL #707230, eXp Realty
  • Lives in St. Cloud on acreage, with cattle, donkeys and dogs
  • Commercial pilot — fixed wing, rotorcraft, seaplane rated

For sellers

Priced and prepared together. Sold in 39 days, or I keep working for free.

I put my commission behind my marketing. If we agree on pricing and prepare the home properly and it hasn't sold in 39 days, I keep working at no cost until it does.

See the seller plan

What it requires

  • We agree on pricing from the comparable sales, not a hoped-for number
  • The home is prepared and shows the way we agree it should
  • Terms in writing before you list

If we can't agree on a price the market supports, I'll tell you that instead of taking the listing.

What clients say

“We were overwhelmed by the scam sharks and the hard hitters. Cliff was patient, explained every detail, and answered within minutes.”

Anthony B. — Google review

★★★★★

5.0 on Google

Read them all →

Vacation homes & investment

Zoning first. Everything else second.

Standard neighborhoods sit right next to short-term-rental communities and look identical from the street. Buy the cheaper one and the county ends your rental plan quickly.

  • Where short-term zoning actually is, and how to verify it
  • The furniture trap, and why a $90,000 price gap is a warning
  • Management costs, seasonality, and the four-bedroom sweet spot
  • Whether guests have to use I-4 at peak hours

Read the investor guide Browse Disney-area homes

Not every home in this search allows short-term rentals. I check the zoning on every address before you make an offer.

Lakefront from the air

Where I work

Thirteen markets, each one different.

Fees, zoning, taxes and traffic change from one town to the next. These are the ones I know street by street.

Written locally

Fourteen guides to what the listing doesn't say.

Each one comes from doing this here since 2001, not from somewhere else on the internet.

On YouTube

Three hundred videos about this market.

Neighborhood walkthroughs, aerial tours, and the things buyers find out too late.

See all 330 videos on YouTube

Common questions

Answered straight.

How much do I need for a down payment in Central Florida?
It depends on the loan. FHA is 3.5% down. VA is zero down for eligible veterans. USDA is zero down in eligible areas, including parts of St. Cloud and Harmony. Florida also runs down payment assistance programs whose funding opens and closes through the year, so confirm what's currently available with a participating lender.
How long does it take to sell a home here?
Properly priced, well-prepared homes often go under contract within the first few weeks. If there's no activity at all in the first two to four weeks, that's a pricing or presentation problem worth fixing quickly rather than waiting out.
Which areas near Disney allow short-term rentals?
Short-term rental zoning is generally on the west side of Osceola County and in parts of Polk County, community by community. Standard neighborhoods sit right beside them and look identical. Always verify zoning for the specific address with the county before making an offer.
What is a CDD fee, and do I have to pay it?
A Community Development District paid for the roads, utilities and amenities in many newer Florida communities, and it's usually billed on your property tax bill. Part of it ends once the bonds are paid. Part usually continues. Two homes at the same price can have very different payments because of it.
Do you work with veterans and VA loans?
Yes. I'm a U.S. Army veteran and I work with VA buyers across Central Florida. VA loans offer zero down and no PMI for eligible buyers. If you've been told a VA loan makes you a weaker buyer, that's worth a conversation, because it isn't the whole picture.
What makes you different from other agents here?
Full time in this market since 2001, with 1,800+ transactions, so I've seen every cycle we've had. I'm a licensed commercial pilot and a former director at Kissimmee Gateway Airport, which shapes how I read land and lake access. And I put things in writing, including the 39-day guarantee and its conditions.

Start the conversation

Bring the address, the question, or the goal.

Text me an address and I'll tell you the fees, the zoning, and what the payment really looks like. Buying, selling, relocating or investing — it starts the same way.

Call Cliff See your options