4910 LOCH NESS DRIVE, LAKELAND, FL, 33810
Pending236 days on marketListed Dec 12, 2025MLS #L4957893
About this home
4910 LOCH NESS DRIVE
Buyer's financing fell through at the last minute, creating a second chance for a lucky buyer! The home successfully passed all inspections, and an FHA appraisal completed in May 2026 came in at $203,000. The appraisal is valid through November 2026, which means an FHA buyer may not need to pay for a new appraisal…saving you hundreds of dollars! The golf cart is included at the listed price! Looking for a huge 20' x 24' air-conditioned workshop? Welcome to your snow-free paradise in Foxwood Lake Estates, a highly sought-after 55+ gated community where you own the land—NO LOT RENT! Step inside and be greeted by an inviting open floor plan that seamlessly connects the living room, dining area, and kitchen, creating the perfect setting for entertaining or everyday living. Bright and airy, the home features double-pane windows for added energy efficiency and comfort. The well-appointed kitchen offers abundant cabinetry with convenient pull-out shelves and a pantry for easy organization. Additional interior features include an inside laundry room with utility sink, spacious walk-in closets, and an instant hot water heater. Relax and enjoy the Florida lifestyle from the large enclosed lanai, ideal for morning coffee or entertaining friends and neighbors. For hobbyists, crafters, or anyone needing extra space, the impressive 20' x 24' air-conditioned workshop provides endless possibilities along with plenty of storage. Sold furnished, this move-in-ready home also features updated tie-downs and a vapor barrier for added peace of mind. Enjoy all the amenities and active lifestyle that Foxwood Lake Estates has to offer while making this exceptional property your own. ***Foxwood Lake Estates has very low HOA dues with community features that include: Large Clubhouse – Heated Pool – Outdoor Covered Spa – Indoor Sauna – Health Fitness Center – 12 Lighted Covered Shuffle Courts – 2 Billiard Tables – Bowling League – Golf League – Horseshoes – Bingo – Cards – Crafts – Library – Monthly Newspaper – Harmoneers – Lake Stocked With Fish – Lake Walking Path – Painting Class – Floor Exercises – Variety Shows – Travel Coordinator – Pot Luck Dinners – Pancake Breakfasts – Dances – Computer Club – Bible Study Classes – Line Dancing – Walking or Golf Cart Riding Distance To Sam’s Club – Flea Market and Garage sales twice a year. Perfectly located in Lakeland Florida halfway between Tampa and Orlando, this home offers easy access to Interstate 4 and is a short drive to popular attractions such as Disney, Universal Studios, Busch Gardens, Lowry Park Zoo, Hard Rock Casino and beautiful beaches! Tampa and Orlando airports are also within a 1 hour drive, making travel a breeze. Don't miss this rare opportunity—homes with a workshop like this are hard to find!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,404
Sqft
0.11 ac
Lot size
1988
Year built
One
Levels
$139
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$1,632 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,632/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+14.1%
$/sqft vs FOXWOOD LAKE ESTATES
$139 vs $152
Days on market
236 vs 42 typical
Where $139/sqft sits among the 9 homes for sale in FOXWOOD LAKE ESTATES
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Lakeland
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
The numbers that matter
The Lakeland market
$316K → $316K
Lakeland median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
2 of 9
FOXWOOD LAKE ESTATES have cut their price
Median sold price, Lakeland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 42% below the LAKELAND 33810 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 4910 LOCH NESS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$149,900
1569 HEATHER HILL DRIVE · same community
2 bd · 2 ba · 1,404 sqft · $107/sqft · 2 DOM
Sold · Sep ’25$175,000
1804 QUAIL HILL DRIVE · same community
2 bd · 2 ba · 1,404 sqft · $125/sqft · 3 DOM
Sold · Dec ’25$200,000
1750 FOX HILL DR · same community
3 bd · 2 ba · 1,404 sqft · $142/sqft · 291 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4910 LOCH NESS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4910 LOCH NESS DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
4910 LOCH NESS DRIVE FAQs
What would the monthly payment be for 4910 LOCH NESS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,632/mo — principal and interest, the actual property-tax bill, the $81/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 4910 LOCH NESS DRIVE?+
The association fee works out to $81 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4910 LOCH NESS DRIVE?+
The most recent tax bill on record (2025) was $1,876. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 4910 LOCH NESS DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Lakeland?+
At $195,000, this home is listed about 43% below the Lakeland median of $339,900. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Under the LAKELAND 33810 market on paper
$195,000 is 42% below the LAKELAND 33810 median of $335,000, and at $139/sqft it sits under the Lakeland average of $206.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
236 days on market against a Lakeland median of 42 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $200,000, now $195,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Carolyn Christian, LLC. MLS #L4957893.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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