
3970 LAGUNA DRIVE, INDIAN LAKE ESTATES, FL, 33855
Active153 days on marketListed Mar 6, 2026MLS #P4938052
About this home
3970 LAGUNA DRIVE
SELLER OFFERING $10,000 TOWARD BUYER'S CLOSING COSTS!! Check out this exceptional family home in Indian Lake Estates! Offering 4 bedrooms and 3 full baths, this open-concept floor plan is truly a showstopper. Built with high-quality materials inside and out, the home features protective eggshell interior paint and satin exterior paint for durability and style. You’ll love the gorgeous luxury vinyl plank flooring that flows throughout the home, complemented by designer-look porcelain tile in the bathrooms.... The chef’s kitchen is a dream, featuring solid wood cabinet fronts with solid plywood construction (no MDF) and soft-close drawers. Elegant granite countertops include a stunning waterfall island design, perfect for entertaining. The kitchen also boasts premium LG Smart appliances, a stainless steel tub dishwasher, and a stainless steel sink with a convenient soap dispenser. The bathrooms feature wall-to-wall porcelain tile for a sleek, modern look, along with granite countertops for added elegance.... The split-bedroom floor plan provides both space and privacy. The front bedroom and full bath make an ideal guest suite, home office, or multigenerational space. The primary bedroom is pure luxury with a double-sink vanity, walk-in and built-in closets and beautifully tiled shower.... No detail has been overlooked in this exceptional home. Additional features include a quiet belt-drive garage door with battery backup and a smart MyQ system, allowing you to control the garage door from your phone. The insulated garage door panels add energy efficiency. The home’s concrete paver driveway and walkway create beautiful curb appeal, while the fully cleared and sodded lot provides maximum usability and a clean, finished look.... Living in Indian Lake Estates means more than owning a home—it’s embracing a lifestyle surrounded by natural beauty and year-round recreation. At the heart of the community is Lake Weohyakapka, locally known as Lake Walk-in-Water—a breathtaking 7,528-acre lake renowned as one of Florida’s premier destinations for trophy largemouth bass fishing. Residents enjoy access to a 1,000-foot dock with an additional 200-foot extension, along with a private boat and jet ski ramp for endless days on the water. Golf enthusiasts will appreciate the Indian Lake Estates Golf & Country Club, featuring an 18-hole championship course designed by George Cobb. With four tee sets for all skill levels and beautifully maintained Bermuda grass greens and fairways, the course offers exceptional play year-round.... The impressive 26,000-square-foot clubhouse serves as an elegant venue for large celebrations. Residents also enjoy a lakeside pavilion with kitchen and restroom facilities, perfect for private gatherings and community events. Other community ammenities include Basketball court, tennis and pickelball courts, fitness room, library and restaurant. Nature lovers will delight in frequent sightings of deer, sandhill cranes, wild turkeys, and even bald eagles.... While offering serene privacy, Indian Lake Estates is conveniently located near Florida’s Turnpike, US Highway 27, I-4, and Highway 60. You’re within comfortable driving distance of Walt Disney World, LEGOLAND Florida Resort, and the beautiful beaches of Vero Beach. Discover the charm, space, and serenity of life in Indian Lake Estates—where everyday living feels like a getaway and home truly means lifestyle.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,857
Sqft
0.6 ac
Lot size
2
Garage
2025
Year built
One
Levels
$209
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 — not generic estimates.
$2,638 /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
$2,638/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
+13.1%
$/sqft vs INDIAN LAKE ESTATES
$209 vs $201
Days on market
153 vs 52 typical
Where $209/sqft sits among the 25 homes for sale in INDIAN LAKE ESTATES
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 Indian Lake Estates
Get to know Indian Lake Estates. See the full Indian Lake Estates guide →
INDIAN LAKE ESTATES 33855 — neighborhood snapshot
Population
33
Median age
68.1
Avg household
1.94
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Indian Lake Estates market
$327K → $330K
Indian Lake Estates median sold, yr/yr
96.7%
Sale-to-list ratio (12 mo)
10 of 25
INDIAN LAKE ESTATES have cut their price
Median sold price, Indian Lake Estates, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1676% above the INDIAN LAKE ESTATES 33855 median. See the full Indian Lake Estates market guide →
Paper trail
This home's history
Reality check
What actually sold near 3970 LAGUNA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$450,000
6532 AMARYLLIS DRIVE · same community
3 bd · 2 ba · 1,806 sqft · $249/sqft · 0 DOM
Sold · Dec ’25$310,000
2081 VALENCIA DRIVE · same community
3 bd · 2 ba · 1,773 sqft · $175/sqft · 32 DOM
Sold · Mar ’26$345,000
4370 HIBISCUS DRIVE · same community
3 bd · 2 ba · 1,770 sqft · $195/sqft · 39 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 3970 LAGUNA DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3970 LAGUNA 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
3970 LAGUNA DRIVE FAQs
What would the monthly payment be for 3970 LAGUNA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,638/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 3970 LAGUNA DRIVE?+
The most recent tax bill on record (2025) was $185. 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 3970 LAGUNA 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 Indian Lake Estates?+
At $389,000, this home is listed about 5% above the Indian Lake Estates median of $369,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3970 LAGUNA DRIVE?+
Frostproof Ben Hill Griffin Junior Elementary School (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KB REALTY TEAM LLC · Karen Boyette. MLS #P4938052.
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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