863 LAKE CUMMINGS BOULEVARD, LAKE ALFRED, FL, 33850
Active63 days on marketListed Jun 6, 2026MLS #L4962434
About this home
863 LAKE CUMMINGS BOULEVARD
NEW PRICE • INCREDIBLE VALUE • 5 BEDROOMS • LARGE CORNER LOT • FENCED IN BACKYARD WITH GATE • NEW ROOF • NEW HVAC • GATED COMMUNITY • PRIVATE BOAT RAMP with YEAR ROUND BOAT PARKING AT THE LAKE• PERFECT FOR EVERYONE AND MULTI-GENERATIONAL LIVING • MINUTES TO WINTER HAVEN, LAKELAND, AUBURNDALE, HAINES CITY in CENTRAL FLORIDA NEED MORE SPACE? Unlike waiting months for new construction, this beautifully updated home is available now and offers the space, flexibility, established neighborhood and all the convenience today's buyers are looking for. LUXURY INSPIRED UPDATES and MOVE IN READY 5-bedroom, 3-bath home. The flexible floor plan allows you to enjoy all 5 bedrooms or easily lives like a 4 bedroom to customize the extra room as a private home office, guest suite, playroom, media room, fitness room, homeschool space, hobby room, or guest retreat. Enjoy peace of mind with a NEW ROOF (2024) and NEW HVAC SYSTEM (2026), plus fresh interior and exterior paint, luxury vinyl plank flooring, gorgeous granite countertops, stainless steel appliances, updated lighting, modern hardware and designer finishes. LARGE CORNER LOT in the GATED COMMUNITY of Lake Cummings Estates, this home offers formal living and dining areas, a large family room, an upstairs loft/flex space, oversized bedrooms, and a FULLY FENCED BACKYARD complete with a screened lanai and pergola. GREAT for entertaining, relaxing, or enjoying the Florida lifestyle. Residents enjoy exclusive access to a private boat ramp, fishing dock, lake access, and year round boat parking, making it easy to enjoy boating, fishing, kayaking, or peaceful evenings by the water. Surrounding areas include shopping, restaurants, medical facilities, LEGOLAND Florida, Disney, Orlando attractions and recreational parks. Whether you're searching for room to grow, a home that accommodates multiple generations, work from home or simply more living space, this exceptional property offers incredible value. Schedule your private showing today and take a tour! You are going to love living here!
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,696
Sqft
0.22 ac
Lot size
2
Garage
2016
Year built
Two
Levels
$148
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.
$3,111 /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
$3,111/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
+9.4%
$/sqft vs Lake Alfred actives
$148 vs $190
Days on market
63 vs 56 typical
Where $148/sqft sits among the 110 Lake Alfred 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 Lake Alfred
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lake Alfred. See the full Lake Alfred guide →
LAKE ALFRED 33850 — neighborhood snapshot
Population
9,825
Median age
43.5
Median income
$53,877
Median home value
$215,700
Avg household
2.49
Households w/ children
1,055
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lake Alfred market
$311K → $349K
Lake Alfred median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
38 of 110
Lake Alfred actives have cut their price
Median sold price, Lake Alfred, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 23% above the LAKE ALFRED 33850 median. See the full Lake Alfred market guide →
Paper trail
This home's history
Reality check
What actually sold near 863 LAKE CUMMINGS BOULEVARD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$279,000
579 LAKE CUMMINGS WAY · same community
4 bd · 2 ba · 1,788 sqft · $156/sqft · 5 DOM
Sold · Sep ’25$560,000
839 WATERFERN TRAIL DRIVE
4 bd · 3.5 ba · 2,656 sqft · $211/sqft · 530 DOM
Sold · Mar ’26$724,500
525 POND CYPRESS COURT
4 bd · 3.5 ba · 2,612 sqft · $277/sqft · 179 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 863 LAKE CUMMINGS BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 863 LAKE CUMMINGS BOULEVARD — 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
863 LAKE CUMMINGS BOULEVARD FAQs
What would the monthly payment be for 863 LAKE CUMMINGS BOULEVARD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,111/mo — principal and interest, the actual property-tax bill, the $71/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 863 LAKE CUMMINGS BOULEVARD?+
The association fee works out to $71 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 863 LAKE CUMMINGS BOULEVARD?+
The most recent tax bill on record (2025) was $4,257. 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 863 LAKE CUMMINGS BOULEVARD?+
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 Lake Alfred?+
At $399,000, this home is listed about 11% above the Lake Alfred median of $359,990. The market section on this page shows how the area is trending.
Which schools are assigned to 863 LAKE CUMMINGS BOULEVARD?+
Walter Caldwell Elementary School (elementary), Auburndale Senior High School (high), Lake Alfred Polytech Academy (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY · Tina Heim, PA. MLS #L4962434.
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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