2,000+ Closings Since 2001 | $700M+ Sold | FL License #707230 | U.S. Army Veteran | eXp Realty
CLIFF CLOVER
THE CLOVER GROUP
Luxury  ·  Vacation Homes  ·  Investment  ·  Land Acquisitions  ·  Commercial
Orlando  ·  Kissimmee  ·  Windermere  ·  Celebration  ·  Lake Nona  ·  Disney Area
$700M+
Sales Volume
2,000+
Homes Closed
Since 2001
Central Florida Expertise
Cliff Clover with family at the hangar
2001Licensed Since
About Cliff Clover
Central Florida Expertise
Since 2001

Since 2001, I've helped over 2,000 families buy and sell homes across Central Florida — from luxury waterfront estates on the Butler Chain of Lakes to vacation homes near Disney World in Reunion Resort, Margaritaville, and Golden Oak.

With over $700 million in career sales, I bring deep market knowledge, aggressive marketing strategies, and a genuine commitment to every client's success. As a commercial pilot with fixed-wing, rotorcraft, and seaplane ratings, I offer a perspective on Central Florida properties that no other agent can — literally.

  • Licensed since 2001 — eXp Realty
  • 2,000+ transactions closed
  • $700M+ in career sales
  • Commercial Pilot — Multi-rated
  • Based in St. Cloud, FL
  • U.S. Army Veteran
Schedule a Consultation →
What I Do
Full-Service Real Estate

From first consultation to closing day, I provide a premium, hands-on experience for every buyer and seller across Central Florida.

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Buyer Services
Ready2Own Programs
Whether you're a first-time buyer, relocating to Central Florida, or looking for your dream waterfront estate — I'll guide you through every step.
  • First-Time Buyer Guidance
  • Relocation Assistance
  • Ready2Own Renter-to-Buyer Program
  • Luxury & Waterfront Search
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Seller Services
89-Step Marketing Plan
My proprietary 89-Step Marketing Plan ensures maximum exposure for your property. Professional photography, aerial video tours, and aggressive pricing strategy.
  • 89-Step Marketing Plan
  • Professional Photography & Video
  • Targeted Digital Advertising
  • Guaranteed Sale Program
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Aerial Property Tours
A View from Above
As a commercial pilot, I provide stunning aerial perspectives of properties and communities. See waterfront access, neighborhood layouts, and proximity to attractions from the sky.
  • Fixed-Wing & Helicopter Views
  • Community Neighborhood Tours
  • Waterfront & Lake Frontage
  • Central Florida Flyovers
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Vacation & Investment Homes
Disney World Area · Short-Term Rental
Minutes from Walt Disney World, Central Florida is one of the top vacation-home and Airbnb investment markets in the country.
  • Reunion Resort & Margaritaville
  • Disney Golden Oak Estates
  • Airbnb & Short-Term Rental Zoning
  • DSCR & Investor Financing
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Commercial Real Estate
Business · Retail · Multi-Family
From retail plazas and office space to multi-family investment properties — I bring the same data-driven marketing and negotiation expertise to commercial transactions.
  • Retail & Office Space
  • Multi-Family & Apartment Buildings
  • DSCR & Investor Financing
  • 1031 Exchange Guidance
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Land Acquisitions
Build Your Vision
Central Florida is growing fast. Whether you're looking for acreage, ranch land, or development parcels — I specialize in finding the right land for your needs.
  • Residential Acreage
  • Ranch & Agricultural Land
  • Development Parcels
  • Waterfront Lots
Where I Work
Central Florida Service Areas

From luxury lakefront estates in Windermere to vacation homes near Disney World — I cover the entire Orlando metro and surrounding communities.

Orlando
Downtown, Baldwin Park, College Park, Lake Eola
Metro Hub
Kissimmee
Disney corridor, vacation homes, Poinciana
Investment
Saint Cloud
Harmony, Sunbridge, lakefront, ranch properties
Home Base
Windermere
Butler Chain of Lakes, Isleworth, luxury waterfront
Luxury
Celebration
Disney-designed community, walkable, family-focused
Community
Winter Garden
Horizon West, Plant Street, West Orange Trail
Growth
Lake Nona
Medical City, Laureate Park, innovation hub
Innovation
Clermont
South Lake County, rolling hills, lake communities
Lifestyle
Davenport
Reunion Resort, Champions Gate, vacation rentals
Resort
Reunion Resort
Luxury vacation homes, golf, short-term rental
Investment
Golden Oak
Ultra-luxury Disney residential community
Ultra-Luxury
Margaritaville
Resort community, vacation investment, Airbnb
Investment
The Guarantee
Your Home Sold in
39 Days
Or I Sell It Free

I'm so confident in my marketing system and pricing strategy that I put my commission on the line. If your home doesn't sell within 39 days, I'll continue working for you at no cost until it does.

  • No obligation
  • No pressure
  • Written guarantee
Get Your Free Home Valuation →
39
Day Guarantee
Your home sold in 39 days
or I sell it FREE
Proven Track Record
Results Speak Louder
$700M+
In Career Sales
Total transaction volume in Central Florida real estate since 2001
2,000+
Homes Closed
Residential and commercial transactions — buyers, sellers, and investors
39
Day Guarantee
Your home sold in 39 days or I sell it free — written, backed by my commission
2001
Years Local
Full-time Central Florida REALTOR® — every market cycle, every neighborhood since 2001
Licensed FL Agent #707230  ·  eXp Realty, LLC  ·  Commercial Pilot — Multi-Rated  ·  U.S. Army Veteran
Portfolio
Properties & Adventures

From luxury waterfront estates to lake sunsets and ranch life — a glimpse into the properties I sell and the life I live in Central Florida.

Luxury Pool Home
Real Estate
Luxury Pool Home
Lake Life
Boating
Lake Life
P-51 Mustang
Aviation
P-51 Mustang
Family Neighborhood
Family
Family Neighborhood
Waterfront Estate
Luxury
Waterfront Estate
Mediterranean Villa
Real Estate
Mediterranean Villa
Disney Vacation Home
Investment
Disney Vacation Home
Luxury Pool Living
Luxury
Luxury Pool Living
Lakefront Lot Lines
Waterfront
Lakefront Lot Lines
Commercial Land
Commercial
Commercial Land
Ranch Estate at Dusk
Real Estate
Ranch Estate at Dusk
Happy Homebuyers
Closing Day
Happy Homebuyers
Happy Clients
Closing Day
Happy Clients
Lake Life
Lifestyle
Lake Life
Flying Over Central FL
Aviation
Flying Over Central FL
Helicopter Pilot
Aviation
Helicopter Pilot
Ranch at Golden Hour
Lifestyle
Ranch at Golden Hour
Ranch with Ranger
Family
Ranch with Ranger
Vader the Bull
Ranch Life
Vader the Bull
Captain
Ranch Life
Captain
P-40 Warhawk
Aviation
P-40 Warhawk
Robinson R-44
Aviation
Robinson R-44
Featured Videos
Central Florida Insights

Neighborhood guides, aerial tours, and real estate tips — over 330 videos on YouTube.

🏠 Stop Renting
Why You're STILL Renting in Orlando When You Could Own for Less
11K views
🌴 STR Investor
Best Gated 5-Bed Vacation Home with Pool in Champions Gate — STR Investment
3.3K views
✈️ Relocating
The $40,000 Mistake Every Family Makes When Moving to Central Florida
YouTube
Common Questions
Frequently Asked Questions
It depends on the loan type. FHA loans require just 3.5% down (about $13,650 on a $390K home). VA loans for veterans require 0% down. USDA loans in eligible rural areas — including parts of St. Cloud and Harmony — require 0% down. Florida's Hometown Heroes program provides up to $35,000 in down payment assistance for qualifying professions including teachers, nurses, and first responders. I'll connect you with lenders who specialize in maximizing your assistance.
Properly priced homes in desirable areas like St. Cloud, Winter Garden, and Lake Nona typically go under contract in 2–3 weeks. I offer a written guarantee: your home sold in 39 days or I sell it for free — zero commission. My 89-Step Marketing Plan and pricing expertise built since 2001 are designed to sell homes fast and for top dollar.
The top vacation home investment areas near Disney include Reunion Resort, Margaritaville Resort Orlando, Champions Gate, Storey Lake, and Golden Oak. These communities are zoned for short-term rentals and offer strong Airbnb income potential. DSCR loans let investors qualify based on projected rental income rather than personal income. I specialize in Disney-area vacation home investments and can walk you through the numbers.
A DSCR (Debt Service Coverage Ratio) loan qualifies you based on the property's projected rental income rather than your personal income. If the property's rental income covers 1.0–1.25x the monthly mortgage payment, you can qualify. This is ideal for investors who are self-employed, have complex tax returns, or own multiple properties. I work with several DSCR lenders who specialize in Central Florida vacation homes.
Central Florida offers no state income tax, lower property taxes than most Northeast states, and significantly lower home prices per square foot. A home that costs $800K in New Jersey or New York often has a comparable equivalent in the $400K–$500K range in the Orlando metro. Combined with the weather, lifestyle, and growing job market, Central Florida continues to attract families relocating from high-cost states.
Absolutely — as a U.S. Army veteran myself, I have a deep respect for military families and a thorough understanding of the VA loan process. VA loans offer 0% down payment, no PMI, and competitive interest rates. I work with VA-approved lenders who can close efficiently and I'm experienced in navigating the VA appraisal process to protect your interests.
My 89-Step Marketing Plan is a comprehensive, documented process that covers everything from pre-listing preparation and professional photography to targeted digital advertising, MLS syndication, open house strategy, and negotiation. It's the system behind my 39-Day Guarantee. Most agents list and wait — I actively market your property across 89 documented touchpoints to generate maximum buyer interest and competitive offers.
Three things set me apart: First, 25+ years and 2,000+ closings of deep local market knowledge — I've seen every market cycle since 2001. Second, I'm a licensed commercial pilot, which means I can provide aerial property tours that no other agent can offer. Third, I back my work with a written 39-Day Guarantee — if your home doesn't sell, I work for free. Most agents make promises; I put mine in writing.
Get in Touch
Book a Free Consultation

Whether you're buying, selling, or investing — I'd love to learn about your goals and show you what's possible in today's Central Florida market. No pressure, no obligation.

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Phone / Text
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Office
2625 Cherokee Rd, St. Cloud, FL 34772
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Brokerage
eXp Realty, LLC — License #707230
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