4189 STONE CREEK LOOP, LAKE WALES, FL, 33859
Active182 days on marketListed Jan 23, 2026MLS #O6376126
About this home
4189 STONE CREEK LOOP
Welcome to an exceptional estate, originally one of the builder’s premier Ashton model homes, where refined design meets relaxed, resort-style living. Soaring ceilings, abundant natural light, and a thoughtfully designed open-concept layout create a warm, welcoming atmosphere that’s elegant and easy to live in. The gourmet kitchen offers solid wood 42-inch cabinetry, granite countertops, stainless steel appliances, under- and over-cabinet lighting and inviting eat-in spaces, ideal for everyday comfort and effortless entertaining. The primary suite provides a peaceful private retreat with tray ceilings, direct access to the backyard, and a spa-inspired bath featuring dual vanities, a zero-entry walk-in shower and a soothing garden tub, designed for comfort, accessibility and relaxation. Designed for an active, connected lifestyle, this home offers a versatile split floor plan with two additional guest bedrooms, a PRIVATE OFFICE WITH BUILT-IN FURNISHINGS, and a dedicated craft room for hobbies and creativity. Go outside to enjoy a south-facing saltwater heated pool and spa, expansive decking, and a FULLY EQUIPPED outdoor kitchen, all overlooking tranquil golf course and conservation views. In one of Central Florida’s sought-after 55-plus communities, residents enjoy an extraordinary 26,000-square-foot clubhouse lifestyle, including private classes, a bowling alley, fitness center, craft studios, on-site dining and state-of-the-art golf, creating a resort-style community experience. All that’s missing is you so welcome home to your next chapter. CDD will be PAID IN FULL at closing.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,478
Sqft
0.18 ac
Lot size
2
Garage
2010
Year built
One
Levels
$280
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.
$5,209 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$5,209/mo
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.
vs edgeAI estimate
+21.4%
$/sqft vs Lake Wales actives
$280 vs $174
Days on market
182 vs 56 typical
Where $280/sqft sits among the 379 Lake Wales 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 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)
168 of 379
Lake Wales actives have cut their price
Median sold price, Lake Wales, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 178% above the LAKE WALES 33859 median. See the full Lake Wales market guide →
Paper trail
This home's history
Reality check
What actually sold near 4189 STONE CREEK LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$475,000
4068 STONE CREEK LOOP · same community
3 bd · 2 ba · 2,064 sqft · $230/sqft · 19 DOM
Sold · Aug ’25$455,000
4193 STONE CREEK LOOP · same community
3 bd · 2 ba · 2,058 sqft · $221/sqft · 85 DOM
Sold · Aug ’25$345,000
4313 HEATH LAND LANE · same community
3 bd · 2 ba · 1,838 sqft · $188/sqft · 115 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 4189 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 4189 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
4189 STONE CREEK LOOP FAQs
What would the monthly payment be for 4189 STONE CREEK LOOP?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,209/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 4189 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 4189 STONE CREEK LOOP?+
The most recent tax bill on record (2025) was $12,396. 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 4189 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 $695,000, this home is listed about 171% 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 4189 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.
The brief
Four things that matter here
01Positioned at the premium end
$695,000 runs 178% above the LAKE WALES 33859 median — but at 2,478 sqft it's also 71% larger than the typical Lake Wales listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
182 days on market against a Lake Wales median of 56 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $735,000, now $695,000 — a $40K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PREMIER SOTHEBYS INT'L REALTY · Alejandro Quiel, Jr. MLS #O6376126.
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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