4084 STONE CREEK LOOP, LAKE WALES, FL, 33859
Active10 days on marketListed Jul 13, 2026MLS #L4963470
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Upcoming open house
Sat, Jul 25
12:00 PM – 4:00 PM
About this home
4084 STONE CREEK LOOP
NO REMAINING CDD BALANCE—and a customized garage built for the Florida lifestyle. Welcome to 4084 Stone Creek Loop, located in the highly regarded 55+ community of Lake Ashton. This well-maintained home combines comfortable everyday living with two advantages that clearly separate it from much of the competition: the CDD assessment has already been paid in full, and the garage has been extensively customized to accommodate a boat and trailer measuring up to approximately 22 feet in overall length. Inside, the spacious kitchen offers abundant wood cabinetry, granite countertops, stainless-steel appliances, recessed lighting, decorative pendant lights, tile flooring, and an extended breakfast bar overlooking the main living area. The open arrangement provides excellent workspace and an easy flow for entertaining family and friends. The garage is truly one of the home’s standout features. Finished with impressive attention to detail, it includes a durable coated floor, extensive wall-mounted organization, bright overhead lighting, custom wood accents, and a specially designed recessed boat bay. Whether used for a bass boat, fishing equipment, tools, hobbies, golf-cart storage, or a serious workshop, this is the kind of space that is difficult and expensive to recreate. At the rear of the home, a large screened lanai expands the living area and provides a comfortable place to enjoy Florida mornings, evening breezes, or relaxed gatherings. The open backyard adds a pleasant sense of space without the upkeep of a private pool. Lake Ashton is known throughout the Lake Wales and Winter Haven area for its active-adult lifestyle, gated setting, golf, clubhouses, dining, recreation, social activities, and community atmosphere. Here, buyers can enjoy the amenities and lifestyle they are looking for while benefiting from a paid-off CDD and one of the most useful garage configurations available in the neighborhood. This is more than another Lake Ashton home—it is a property designed for someone who wants to enjoy Florida living without giving up the boat, tools, hobbies, or storage space that make retirement fun.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,074
Sqft
0.16 ac
Lot size
2
Garage
2014
Year built
One
Levels
$190
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.
$2,894 /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
$2,894/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
−0.5%
Days on market
10 vs 56 typical
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 Ashton
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lake Wales. See the full Lake Wales guide →
Lake Ashton — neighborhood snapshot
Population
3,278
Median age
62
Median income
$75,204
Median home value
$304,700
Avg household
2
Households w/ children
115
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 Wales market
$275K → $275K
Lake Wales median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
Median sold price, Lake Wales, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 58% above the LAKE WALES 33859 median. See the full Lake Wales market guide →
Paper trail
This home's history
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 4084 STONE CREEK LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4084 STONE CREEK LOOP — 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
4084 STONE CREEK LOOP FAQs
What would the monthly payment be for 4084 STONE CREEK LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,894/mo — principal and interest, the actual property-tax bill, the $5/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 4084 STONE CREEK LOOP?+
The association fee works out to $5 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4084 STONE CREEK LOOP?+
The most recent tax bill on record (2025) was $2,743. 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 4084 STONE CREEK LOOP?+
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 Wales?+
At $395,000, this home is listed about 54% above the Lake Wales median of $256,490. The market section on this page shows how the area is trending.
Which schools are assigned to 4084 STONE CREEK LOOP?+
Chain Of Lakes Elementary School (elementary), Lake Region High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of KELLER WILLIAMS REALTY SMART 1 · Don Jerue. MLS #L4963470.
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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