3231 HARBOR BEACH DRIVE, LAKE WALES, FL, 33859
Active133 days on marketListed Mar 14, 2026MLS #P4938111
About this home
3231 HARBOR BEACH DRIVE
EXPERIENCE THE PINNACLE OF LAKESIDE LIVING on this sprawling 2.34-acre estate overlooking the pristine waters of Blue Lake. This custom-built masterpiece spans 3,152 sq. ft. of meticulously designed living space, where every detail, from the intricate millwork to the soaring tray ceilings, whispers luxury. The heart of the home is an expansive open-concept family room that flows effortlessly into a chef’s kitchen. Outfitted with handsome wood cabinetry and a massive social island, the kitchen serves as a hub for both daily life and grand entertaining. Throughout the home, gorgeous wood flooring is complemented by the earthy elegance of travertine tile in all wet areas. Formal living room and formal dining room link comfortably within the open concept living space. The owners’ retreat is an elegant sanctuary featuring private lanai access, custom-shelved walk-in closets and a spa-like en suite with a soaking tub, walk-in shower and granite-topped split vanities. The split-plan gives privacy where the second bedroom enjoys its own full bath, while the third bedroom is currently a professional home office offering convenient access to a pool-side bathroom. The real showstopper of this home is the massive lanai with a cathedral cedar ceiling, an impressive outdoor kitchen with and a sparkling pool overlooking the lake. It’s not just a home; it’s a vacation you never have to leave! This fabulous home is ideal for the family who loves lakefront living and those who enjoy entertaining. The entire home is equipped with a Generac whole-house generator, providing added comfort and peace of mind. Blue Lake is a 105 acre lake with a mean depth of 20 ft./max depth of 66 ft. Located just a short distance to US Hwy 27 & SR-Hwy 60, near all shopping, Lake Wales or Winter Haven, a great Central Florida location! Call today this is a Must See!
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
3,152
Sqft
2.34 ac
Lot size
3
Garage
2006
Year built
One
Levels
$333
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.
$6,619 /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
$6,619/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
+32.7%
$/sqft vs NOT IN SUBDIVISION
$333 vs $253
Days on market
133 vs 56 typical
Where $333/sqft sits among the 125 homes for sale in NOT IN SUBDIVISION
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 Wales
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 WALES 33859 — neighborhood snapshot
Population
10,827
Median age
50.2
Median income
$61,871
Median home value
$200,300
Avg household
2.36
Households w/ children
878
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)
57 of 125
NOT IN SUBDIVISION have cut their price
Median sold price, Lake Wales, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 320% 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 3231 HARBOR BEACH DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$35,658
308 MARTIN LUTHER KING BOULEVARD · same community
4 bd · 2 ba · 2,712 sqft · $13/sqft · 43 DOM
Sold · Dec ’25$485,000
4510 CINDY ROAD · same community
4 bd · 4 ba · 2,520 sqft · $192/sqft · 86 DOM
Sold · Mar ’26$1,450,000
3800 GERBER DAIRY ROAD · same community
3 bd · 2 ba · 2,406 sqft · $603/sqft · 14 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 3231 HARBOR BEACH DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3231 HARBOR BEACH 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
3231 HARBOR BEACH DRIVE FAQs
What would the monthly payment be for 3231 HARBOR BEACH DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,619/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 3231 HARBOR BEACH DRIVE?+
The most recent tax bill on record (2025) was $4,794. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Lake Wales?+
At $1,050,000, this home is listed about 309% 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 3231 HARBOR BEACH DRIVE?+
Spook Hill Elementary School (elementary), Winter Haven Senior 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
$1,050,000 runs 320% above the LAKE WALES 33859 median — but at 3,152 sqft it's also nearly twice the size of the typical Lake Wales listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
133 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 $1,100,000, now $1,050,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Erin Floyd. MLS #P4938111.
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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