David Ramirez
$389,0004 bd3 ba1,857 sqft$209 /sqft$2,638 /mo all-in ↓

3970 LAGUNA DRIVE, INDIAN LAKE ESTATES, FL, 33855

Active153 days on marketListed Mar 6, 2026MLS #P4938052

New constructionSingle Family ResidenceINDIAN LAKE ESTATES

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

Pets allowed

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Split Bedroom · Tray Ceiling(s) · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionCement Siding · Metal Frame
FoundationSlab
FacesSouth
ExteriorSliding Doors

Community & fees

Taxes (2025)$185/yr
PetsYes
CommunityCommunity Boat Ramp · Fishing · Lake · Marina · Water Access · Waterfront · Clubhouse · Deed Restrictions · Fitness Center · Gated Community - No Guard · Golf Carts OK · Golf · Playground · Restaurant · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Electricity Connected
WaterWell

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%

Principal & interest$2,290
FHA mortgage insurance (est.)$172
Property tax — 2025 actual bill$15
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,615Loan30-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% · $13,615
Interest rate6.00%
Loan term

Estimated payment

$2,638/mo

Principal & interest$2,290
FHA mortgage insurance (est.)$172
Property taxes (actual bill)$15
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 $389K
$319KedgeAI estimate $344,017 · range $332K$374K$405K

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

5
3
6 · this home
2
5
4
$161–177$177–193$193–210$210–226$226–242$242+

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

Map of 3970 LAGUNA DRIVE

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

ElementaryFrostproof Ben Hill Griffin Junior Elementary School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Indian Lake Estates market

Seller’s marketLeans buyer8.1 months of inventoryBuyer’s 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

Mar 6, 2026Listed at $389,000 · 153 days on market since
2025Built · INDIAN LAKE ESTATES

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.

6532 AMARYLLIS DRIVESold · Mar ’26

$450,000

6532 AMARYLLIS DRIVE · same community

3 bd · 2 ba · 1,806 sqft · $249/sqft · 0 DOM

2081 VALENCIA DRIVESold · Dec ’25

$310,000

2081 VALENCIA DRIVE · same community

3 bd · 2 ba · 1,773 sqft · $175/sqft · 32 DOM

4370 HIBISCUS DRIVESold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3970 LAGUNA 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 3970 LAGUNA DRIVE — before you fall in love.

See it in person

Schedule a tour

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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.

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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