4545 FAIRWAY OAKS DRIVE, MULBERRY, FL, 33860
Active123 days on marketListed Apr 3, 2026MLS #L4960817
About this home
4545 FAIRWAY OAKS DRIVE
Virtually Staged. Welcome to this beautifully crafted 4 bedroom, 2.5 bathroom home located at 4545 Fairway Oaks Dr. This 2025 home is nestled within a desirable gated community in Mulberry, offering peaceful water views, open living spaces, and everyday convenience. Built by a quality builder known for lasting craftsmanship, this home blends thoughtful design with a prime location. Step inside to discover a bright, open floor plan designed for both comfortable living and effortless entertaining. The spacious layout flows beautifully, creating inviting areas for gathering while still offering privacy where it matters most. The attention to detail is visible in all the small details. The Great room features luxury vinyl plank flooring with tray ceilings, Upgraded quartzite counters throughout the home, upgraded doors throughout, ceiling fans already installed. Throughout the home, you’ll appreciate upgraded details such as soft-close cabinetry and under-cabinet lighting, adding both style and convenience to the kitchen and living areas. The primary suite is a true retreat, featuring zero entry shower, dual sinks, dual walk-in closets, private toilet closet, all providing both function and luxury. Enjoy tranquil mornings and relaxing evenings on the covered porch overlooking the water, perfect for unwinding or hosting guests. The home is also equipped with an irrigation system on a timer, helping keep the lawn lush and maintenance simple. Conveniently located with easy access to County Line Road, South Florida Avenue, and Highway 60, commuting and daily errands are a breeze. You’re also within a short drive to I-4, as well as both downtown Lakeland and downtown Mulberry for dining, shopping, and local events. This home offers the perfect combination of quality construction, modern upgrades, scenic surroundings, and a location that keeps you connected to everything Central Florida has to offer. Don’t miss this opportunity — schedule your private showing today or share this listing with your agent before it’s gone! **Click on the virtual tour button for a Matterport 360 degree immersive walkthrough tour of the home. Just like a 24/7 open house!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,379
Sqft
0.26 ac
Lot size
2
Garage
2025
Year built
One
Levels
$209
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.
$3,554 /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
$3,554/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
+15.6%
$/sqft vs Mulberry actives
$209 vs $176
Days on market
123 vs 36 typical
Where $209/sqft sits among the 87 Mulberry actives
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 Imperial Lakes
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Mulberry. See the full Mulberry guide →
Imperial Lakes — neighborhood snapshot
Population
5,339
Median age
39
Median income
$78,610
Median home value
$285,515
Avg household
3
Households w/ children
616
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Mulberry market
$300K → $314K
Mulberry median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
48 of 87
Mulberry actives have cut their price
Median sold price, Mulberry, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 72% above the MULBERRY 33860 median. See the full Mulberry market guide →
Paper trail
This home's history
Reality check
What actually sold near 4545 FAIRWAY OAKS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$510,000
4565 FAIRWAY OAKS DRIVE · same community
4 bd · 2 ba · 1,889 sqft · $270/sqft · 22 DOM
Sold · Dec ’25$390,000
113 ST THOMAS DRIVE
4 bd · 3 ba · 2,370 sqft · $165/sqft · 203 DOM
Sold · Jun ’26$405,000
185 ST THOMAS DRIVE
4 bd · 3 ba · 2,370 sqft · $171/sqft · 86 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 4545 FAIRWAY OAKS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4545 FAIRWAY OAKS 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
4545 FAIRWAY OAKS DRIVE FAQs
What would the monthly payment be for 4545 FAIRWAY OAKS DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,554/mo — principal and interest, the actual property-tax bill, the $125/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 4545 FAIRWAY OAKS DRIVE?+
The association fee works out to $125 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4545 FAIRWAY OAKS DRIVE?+
The most recent tax bill on record (2025) was $1,386. 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 4545 FAIRWAY OAKS 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 Mulberry?+
At $498,200, this home is listed about 61% above the Mulberry median of $309,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4545 FAIRWAY OAKS DRIVE?+
James W. Sikes Elementary School (elementary), Mulberry Senior High School (high), Mulberry Middle School (middle) — 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
$498,200 runs 72% above the MULBERRY 33860 median — but at 2,379 sqft it's also 50% larger than the typical Mulberry 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
123 days on market against a Mulberry median of 36 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $517,000, now $498,200 — a $19K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LAKELAND HOMETOWN PROPERTIES · Glenn Offutt. MLS #L4960817.
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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