David Ramirez
$484,000$499,0004 bd2 ba2,493 sqft$194 /sqft$3,530 /mo all-in ↓

3196 HAWKS RIDGE DRIVE, LAKELAND, FL, 33810

Active20 days on marketListed Jul 16, 2026MLS #L4963421

Reduced $15KSingle Family ResidenceHAWKS RIDGE

Come see it

Upcoming open house

Sun, Aug 9

1:00 PM – 3:00 PM

About this home

3196 HAWKS RIDGE DRIVE

Welcome to Hawks Ridge, one of North Lakeland's most desirable gated communities, where mature tree lined streets, beautifully maintained homes, and a low HOA create an inviting place to call home. Situated on one of the largest homesites in the neighborhood at approximately 1.69 acres, this well maintained Hulbert Homes residence offers the space, privacy, and functional layout today's buyers are searching for. Conveniently located just minutes from I-4, shopping, dining, medical facilities, Lakeland Square Mall, and an easy commute to both Tampa and Orlando, this location blends peaceful living with everyday convenience. Inside, you'll find 4 bedrooms, 2 bathrooms, a formal living room, formal dining room, and a spacious open concept kitchen featuring granite countertops, a large center island, abundant cabinetry, and a seamless flow into the family room, making it ideal for everyday living and entertaining. Rich hardwood floors and crown molding add warmth and timeless character throughout the main living areas. The thoughtfully designed split bedroom floor plan provides privacy, with two secondary bedrooms separated from the primary suite. The spacious primary retreat offers private access to the screened lanai and features dual vanities, a jetted soaking tub, walk in shower, private water closet, and two generous walk in closets. Step outside to enjoy the screened patio overlooking the expansive backyard, offering endless possibilities for outdoor living, gardening, recreation, or even adding a future pool. Located within minutes to I4, commuting, traveling to theme parks, beaches and many other attractions make this location desirable for any lifestyle. Locally you'll find easy access to shopping, dining, local parks and recreation, as well as schools, medical facilities and the growing Lakeland Linder Airport. Important updates include a brand new roof installed in July 2026, HVAC replaced in 2017, an indoor laundry room complete with washer, dryer, and utility sink, plus the original hot water heater conveniently located in the garage. If you've been searching for a move in ready home with plenty of space, a desirable split floor plan, and the security of a gated community, this property offers an exceptional opportunity to enjoy the best of Central Florida living.

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

2,493

Sqft

1.69 ac

Lot size

3

Garage

2004

Year built

One

Levels

$194

Per sqft

Trees/Woods viewPets allowed

Inside

FlooringCeramic Tile · Hardwood
AppliancesDishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Crown Molding · High Ceilings
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
ViewTrees/Woods
FacesSouth
ParkingDriveway · Garage Door Opener
ExteriorFrench Doors · Irrigation System · Lighting · Private Mailbox · Sidewalk · Sliding Doors

Community & fees

HOA fee$43/mo
Taxes (2025)$3,167/yr
PetsYes
CommunityDeed Restrictions · Gated Community - No Guard · Sidewalks

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected · Public · Underground Utilities · 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.

$3,530 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,849
FHA mortgage insurance (est.)$214
Property tax — 2025 actual bill$264
HOA fee — from the listing$43
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,940Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $16,940
Interest rate6.00%
Loan term

Estimated payment

$3,530/mo

Principal & interest$2,849
FHA mortgage insurance (est.)$214
Property taxes (actual bill)$264
HOA / condo fee$43
Est. insurance$160

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.

List $484K
$374KedgeAI estimate $389,360 · range $389K$390K$503K

vs edgeAI estimate

+24.3%

$/sqft vs Lakeland actives

$194 vs $195

Days on market

20 vs 42 typical

Where $194/sqft sits among the 400 Lakeland actives

71
138 · this home
105
40
19
27
$127–162$162–196$196–231$231–265$265–300$300+

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

Map of 3196 HAWKS RIDGE DRIVE

Drive times from this address

Downtown Tampa42 min
Walt Disney World46 min
Tampa Int’l Airport (TPA)53 min
Universal Orlando56 min
Downtown Orlando62 min
Orlando Int’l Airport (MCO)67 min

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

Get to know Lakeland. See the full Lakeland guide →

The numbers that matter

The Lakeland market

Seller’s marketLeans seller3.8 months of inventoryBuyer’s market

$316K$316K

Lakeland median sold, yr/yr

97.8%

Sale-to-list ratio (12 mo)

192 of 400

Lakeland actives have cut their price

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

This home is listed 44% above the LAKELAND 33810 median. See the full Lakeland market guide →

Paper trail

This home's history

CurrentPrice reduced to $484,000 $15K
Jul 16, 2026Listed at $499,000 · 20 days on market since
2004Built · HAWKS RIDGE

Reality check

What actually sold near 3196 HAWKS RIDGE DRIVE

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

5543 GREY HAWK LANESold · Aug ’25

$338,000

5543 GREY HAWK LANE · same community

3 bd · 2.5 ba · 2,467 sqft · $137/sqft · 130 DOM

3300 HAWKS RIDGE DRIVESold · Jul ’26

$415,000

3300 HAWKS RIDGE DRIVE · same community

4 bd · 2.5 ba · 2,544 sqft · $163/sqft · 19 DOM

3293 HAWKS RIDGE DRIVESold · Feb ’26

$400,000

3293 HAWKS RIDGE DRIVE · same community

3 bd · 2 ba · 2,373 sqft · $169/sqft · 105 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 3196 HAWKS RIDGE 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 3196 HAWKS RIDGE DRIVE — before you fall in love.

See it in person

Schedule a tour

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Straight answers

3196 HAWKS RIDGE DRIVE FAQs

What would the monthly payment be for 3196 HAWKS RIDGE DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,530/mo — principal and interest, the actual property-tax bill, the $43/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 3196 HAWKS RIDGE DRIVE?+

The association fee works out to $43 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3196 HAWKS RIDGE DRIVE?+

The most recent tax bill on record (2025) was $3,167. 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 3196 HAWKS RIDGE 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 $484,000, this home is listed about 42% above the Lakeland median of $339,900. The market section on this page shows how the area is trending.

The brief

Three things that matter here

01Positioned at the premium end

$484,000 runs 44% above the LAKELAND 33810 median — but at 2,493 sqft it's also 44% larger than the typical Lakeland listing.

02Trees/Woods views

The trees/woods view is part of what you're buying — views hold value independently of the structure.

03The price has already moved

Listed at $499,000, now $484,000 — a $15K cut. The full history is in the market section below.

Listing courtesy of COMPASS FLORIDA LLC · Lindsey Thibodeau. MLS #L4963421.

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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