1193 CUMBERLAND TRAIL DRIVE, LAKE HAMILTON, FL, 33851
Pending25 days on marketListed Jul 13, 2026MLS #O6424813
About this home
1193 CUMBERLAND TRAIL DRIVE
Under Construction. Discover the Downing floorplan at Hamilton Bluff in Haines City, featuring 1,302 square feet, three bedrooms and two bathrooms, this home prioritizes efficient living without sacrificing an ounce of warmth. Step inside and be greeted by a thoughtfully arranged space, designed to maximize both comfort and flow. Luxury vinyl flooring guides you through the home, setting the stage for everyday living. The heart of the Downing is its open concept living area, where the living room and kitchen merge seamlessly, fostering connection and ease. This central space, bathed in natural light, is perfect for cozy evenings or casual gatherings. The kitchen, a model of efficiency, is equipped with modern appliances and well-organized storage, making meal preparation a breeze. Each of the three bedrooms provides a tranquil escape, with the primary suite providing a private bathroom for added convenience. The second bathroom, strategically located, serves the remaining bedrooms with ease. Like every Hamilton Bluff home, the Downing is built with all concrete block construction and integrated smart home technology. This allows you to effortlessly manage your home's systems, from lighting to temperature, all from the palm of your hand, whether you're relaxing inside or out and about. The Downing floorplan is ideal for those seeking a streamlined, comfortable lifestyle. It's a place where thoughtful design meets modern convenience, creating a true sense of home. Experience the blend of simplicity and sophistication at Hamilton Bluff. *Photos are of similar model but not that of the exact house. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability, and amenities are subject to change and prior sale at any time without notice or obligation. Please note that no representations or warranties are made regarding school districts or school assignments; you should conduct your own investigation regarding current and future schools and school boundaries.*
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,302
Sqft
0.11 ac
Lot size
2
Garage
2026
Year built
One
Levels
$207
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.
$2,204 /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
$2,204/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
−2%
$/sqft vs HAMILTON BLUFF SUBDIVISION PHASES 1 & 2
$207 vs $179
Days on market
25 vs 42 typical
Where $207/sqft sits among the 7 homes for sale in HAMILTON BLUFF SUBDIVISION PHASES 1 & 2
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 Hamilton
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lake Hamilton. See the full Lake Hamilton guide →
LAKE HAMILTON 33851 — neighborhood snapshot
Population
1,109
Median age
42
Median income
$77,557
Median home value
$175,400
Avg household
3.59
Households w/ children
128
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 Hamilton market
$319K → $315K
Lake Hamilton median sold, yr/yr
99.0%
Sale-to-list ratio (12 mo)
3 of 7
HAMILTON BLUFF SUBDIVISION PHASES 1 & 2 have cut their price
Median sold price, Lake Hamilton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 15% below the LAKE HAMILTON 33851 median. See the full Lake Hamilton market guide →
Paper trail
This home's history
Reality check
What actually sold near 1193 CUMBERLAND TRAIL DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$324,990
1353 JUNE LAKE LOOP · same community
3 bd · 2 ba · 1,480 sqft · $220/sqft · 87 DOM
Sold · Aug ’25$296,990
1916 DIAMOND HEAD CIRCLE · same community
3 bd · 2 ba · 1,480 sqft · $201/sqft · 53 DOM
Sold · Jun ’26$289,990
1937 DIAMOND HEAD CIRCLE · same community
3 bd · 2 ba · 1,480 sqft · $196/sqft · 163 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 1193 CUMBERLAND TRAIL DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1193 CUMBERLAND TRAIL 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
1193 CUMBERLAND TRAIL DRIVE FAQs
What would the monthly payment be for 1193 CUMBERLAND TRAIL DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,204/mo — principal and interest, the actual property-tax bill, the $52/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 1193 CUMBERLAND TRAIL DRIVE?+
The association fee works out to $52 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1193 CUMBERLAND TRAIL DRIVE?+
The most recent tax bill on record (2025) was $3,452. 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 1193 CUMBERLAND TRAIL 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 Lake Hamilton?+
At $269,290, this home is listed about 17% below the Lake Hamilton median of $323,261. The market section on this page shows how the area is trending.
Which schools are assigned to 1193 CUMBERLAND TRAIL DRIVE?+
Alta Vista Elementary School (elementary), Haines City Senior High School (high), Shelley S. Boone Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of DR HORTON REALTY OF CENTRAL FLORIDA LLC · Paul King. MLS #O6424813.
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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