David Ramirez
$35,000≈$386 /mo all-in ↓

313 VALENCIA DRIVE, INDIAN LAKE ESTATES, FL, 33855

Active1160 days on marketListed May 31, 2023MLS #S5085859

INDIAN LAKE ESTATES

About this home

313 VALENCIA DRIVE

Lender financing is available! Build your dream home in this beautiful gated community that is Polk County’s best-kept secret! The community amenities include a golf course, basketball and tennis courts, a clubhouse, a fitness center, and a pro shop. Easy highway access and only 20 miles east of Lake Wales.

Facts & features

The home at a glance

0.5 ac

Lot size

Inside

Outside & construction

Community & fees

Taxes (2022)$56/yr

Utilities & systems

UtilitiesElectrical Nearby
WaterNone · Well Required

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$386 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$206
FHA mortgage insurance (est.)$15
Property tax — 2022 actual bill$5
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $1,225Loan30-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

Get my real numbersCall

Run your own numbers

Loan type
Down payment3.5% · $1,225
Interest rate6.00%
Loan term

Estimated payment

$386/mo

Principal & interest$206
FHA mortgage insurance (est.)$15
Property taxes (actual bill)$5
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.

Where it sits

Inside Indian Lake Estates

Map of 313 VALENCIA DRIVE

Drive times from this address

Walt Disney World≈ 75 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

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 buyer — 11.3 months of inventoryBuyer’s market

$327K → $330K

Indian Lake Estates median sold, yr/yr

97.1%

Sale-to-list ratio (12 mo)

Median sold price, Indian Lake Estates, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 59% above the INDIAN LAKE ESTATES 33855 median. See the full Indian Lake Estates market guide →

Paper trail

This home's history

May 31, 2023Listed at $35,000 · 1160 days on market since

Reality check

What actually sold near 313 VALENCIA DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3500 ORCHID DRIVESold · Dec ’25

$90,000

3500 ORCHID DRIVE · same community

2 bd · 1 ba · 950 sqft · $95/sqft · 5 DOM

3771 INDIAN LAKE DRIVESold · Mar ’26

$65,000

3771 INDIAN LAKE DRIVE · same community

3 bd · 1 ba · 998 sqft · $65/sqft · 0 DOM

3601 PARK AVENUESold · Nov ’25

$229,850

3601 PARK AVENUE · same community

2 bd · 2 ba · 1,030 sqft · $223/sqft · 34 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 313 VALENCIA DRIVE — start here.

CallText
david.ramirez@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 313 VALENCIA DRIVE — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

Pick a day that works — this goes straight to David's phone and CRM.

Goes straight to David’s phone and CRM.

Straight answers

313 VALENCIA DRIVE FAQs

What would the monthly payment be for 313 VALENCIA DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $386/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 313 VALENCIA DRIVE?+

The most recent tax bill on record (2022) was $56. 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 Indian Lake Estates?+

At $35,000, this home is listed about 90% below the Indian Lake Estates median of $364,488. The market section on this page shows how the area is trending.

Which schools are assigned to 313 VALENCIA 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

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Listing courtesy of CENTURY 21 BE3 · Crystal Washington Booth. MLS #S5085859.

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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