David Ramirez
$579,999$639,9003 bd2.5 ba2,911 sqft$199 /sqft$4,122 /mo all-in ↓

539 WATERFERN TRAIL DRIVE, AUBURNDALE, FL, 33823

Active143 days on marketListed Mar 13, 2026MLS #L4960175

Reduced $60KWaterfrontPrivate poolSingle Family ResidenceWATER RIDGE SUB

About this home

539 WATERFERN TRAIL DRIVE

PRICED BELOW RECENT APPRAISAL!! Experience refined Florida living in this custom-built 2018 Hulbert Homes pool home ideally positioned on a tranquil pond with beautiful upper-level views of Lake Van, located within the gated and highly sought-after community of Water Ridge. Offering 2,911 square feet of living area, this thoughtfully designed residence features a ground level primary suite, a private office, a spacious loft that could easily serve as a 4th bedroom, and 2.5 bathrooms, blending comfort, flexibility, and style. Designed for both everyday living and entertaining, the open-concept first floor showcases a welcoming great room, spacious dining area, and a well-appointed kitchen. The kitchen features a large island with a breakfast bar, walk-in pantry, stainless steel appliances, and the rare convenience of two dishwashers. Gorgeous wood flooring flows throughout the living spaces, complemented by elegant crown molding that adds a refined touch throughout the main living areas. The primary suite is privately located on the first floor and enjoys peaceful pool views, along with a generous walk-in closet with linen storage and a spa-like en-suite bath featuring granite countertops, dual sinks, a freestanding soaking tub, and a large walk-in shower. Also on the main level are a private office with French doors, a convenient guest half bath, mudroom off the garage, inside laundry room with extensive cabinetry and granite folding counter, and access to the 2-car garage with epoxy flooring. Upstairs, the expansive loft offers flexibility as a second living area, playroom, or potential fourth bedroom, while picture windows capture stunning views of Lake Van. Two additional generously sized bedrooms share a well-appointed bathroom with granite countertops, dual sinks, and a tub/shower combination. The home also provides excellent storage, including multiple closets, an under-stair storage space, a walk-in storage closet, and additional linen storage upstairs. Outdoor living is equally impressive with a screen-enclosed saltwater swimming pool built in 2021, surrounded by pavers and complemented by a covered lanai perfect for year-round enjoyment. Whether hosting friends under the covered patio with the wall-mounted TV or relaxing poolside in the Florida sunshine, this backyard retreat was designed for both entertaining and relaxation. Additional features include ceiling fans and window blinds throughout, an irrigation system with timer, mature landscaping, and more. Residents of Water Ridge enjoy an exceptional lifestyle with resort-style amenities, including a clubhouse, state-of-the-art fitness center, sauna, three community pools (including a lap pool), tennis, basketball and pickleball courts, three boat docks, community boat ramps, and boat/trailer storage. Ideally located between Tampa and Orlando, this beautiful home offers the perfect blend of luxury and convenience in one of Central Florida’s most desirable gated communities. Schedule your private showing today and experience Water Ridge living at its finest.

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

2,911

Sqft

0.2 ac

Lot size

2

Garage

2018

Year built

Two

Levels

$199

Per sqft

Private poolWaterfrontWater viewNegotiablePets allowed

Inside

FlooringCarpet · Tile · Hardwood
AppliancesDishwasher · Electric Water Heater · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Split Bedroom · Stone Counters · Tray Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Wood Frame
FoundationSlab
ViewWater
FacesSoutheast
ParkingDriveway · Garage Door Opener · Oversized
ExteriorIrrigation System · Sidewalk

Community & fees

HOA fee$175/mo
Taxes (2025)$5,274/yr
PetsCats OK, Dogs OK, Number Limit, Yes
CommunityCommunity Boat Ramp · Dock · Fishing · Lake · Water Access · Waterfront · Clubhouse · Deed Restrictions · Fitness Center · Gated Community - No Guard · Golf Carts OK · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · Sewer Connected · Water Connected
WaterPublic

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.

$4,122 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,130
PMI (est., until 20% equity)$217
Property tax — 2025 actual bill$440
HOA fee — from the listing$175
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $58,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $58,000
Interest rate6.00%
Loan term

Estimated payment

$4,122/mo

Principal & interest$3,130
PMI (est., until 20% equity)$217
Property taxes (actual bill)$440
HOA / condo fee$175
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

$/sqft vs WATER RIDGE SUB

$199 vs $282

Days on market

143 vs 62 typical

Where $199/sqft sits among the 7 homes for sale in WATER RIDGE SUB

0 · this home
0
1
3
2
1
$199–221$221–242$242–263$263–284$284–306$306+

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 Water Ridge

Map of 539 WATERFERN TRAIL DRIVE inside its neighborhood boundary

Drive times from this address

Walt Disney World41 min
Universal Orlando51 min
Downtown Orlando57 min
Downtown Tampa61 min
Orlando Int’l Airport (MCO)62 min
Tampa Int’l Airport (TPA)72 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Auburndale. See the full Auburndale guide →

Water Ridge — neighborhood snapshot

Population

256

Median age

46

Median income

$66,839

Median home value

$255,481

Avg household

3

Households w/ children

24%

For the school run

Polk County School District

MiddleLake Alfred Polytech Academy★★★★
ElementaryLake Alfred Elementary School★★★★
HighAuburndale Senior High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Auburndale market

Seller’s marketLeans seller4.8 months of inventoryBuyer’s market

$316K$345K

Auburndale median sold, yr/yr

97.8%

Sale-to-list ratio (12 mo)

3 of 7

WATER RIDGE SUB have cut their price

Median sold price, Auburndale, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 81% above the AUBURNDALE 33823 median. See the full Auburndale market guide →

Paper trail

This home's history

CurrentPrice reduced to $579,999 $60K
Mar 13, 2026Listed at $639,900 · 143 days on market since
2018Built · WATER RIDGE SUB

Reality check

What actually sold near 539 WATERFERN TRAIL DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

203 SPRING AZURE DRIVESold · Jun ’26

$715,000

203 SPRING AZURE DRIVE · same community

4 bd · 3 ba · 2,905 sqft · $246/sqft · 36 DOM

200 SNOWY ORCHID WAYSold · Oct ’25

$520,000

200 SNOWY ORCHID WAY · same community

3 bd · 3 ba · 2,871 sqft · $181/sqft · 109 DOM

508 BLUE FLAG DRIVESold · Jun ’26

$675,000

508 BLUE FLAG DRIVE · same community

4 bd · 3 ba · 3,001 sqft · $225/sqft · 230 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 539 WATERFERN TRAIL DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 539 WATERFERN TRAIL 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.

Goes straight to David’s phone and CRM.

Straight answers

539 WATERFERN TRAIL DRIVE FAQs

What would the monthly payment be for 539 WATERFERN TRAIL DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,122/mo — principal and interest, the actual property-tax bill, the $175/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 539 WATERFERN TRAIL DRIVE?+

The association fee works out to $175 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 539 WATERFERN TRAIL DRIVE?+

The most recent tax bill on record (2025) was $5,274. 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 539 WATERFERN TRAIL DRIVE?+

The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 Auburndale?+

At $579,999, this home is listed about 65% above the Auburndale median of $350,931. The market section on this page shows how the area is trending.

Which schools are assigned to 539 WATERFERN TRAIL DRIVE?+

Lake Alfred Polytech Academy (middle), Lake Alfred Elementary School (elementary), Auburndale Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$579,999 runs 81% above the AUBURNDALE 33823 median — but at 2,911 sqft it's also 57% larger than the typical Auburndale listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

143 days on market against a Auburndale median of 62 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $639,900, now $579,999 — a $60K cut. The full history is in the market section below.

Listing courtesy of THE STONES REAL ESTATE FIRM · Deanna Stone. MLS #L4960175.

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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