3620 VICKI DRIVE, MULBERRY, FL, 33860
Active199 days on marketListed Jan 5, 2026MLS #TB8461044
About this home
3620 VICKI DRIVE
Looking for a peaceful retreat with endless possibilities? NO HOA and NOT located in a flood zone! This 3-bedroom, 2-bath home sits on 0.43 acres at the end of a quiet cul-de-sac, offering privacy, space, and room to make it your own. Conveniently located just off FL-60, you'll enjoy easy access to Lakeland, Plant City, Bartow, and Tampa, while still experiencing the tranquility of rural living. Shopping, dining, schools, and major roadways are all just minutes away, providing the perfect balance of country charm and everyday convenience. Recent updates include a 2022 A/C, PVC/CPVC repiping, and a 2015 water heater. The age of the roof is unknown, as no permit is on record. Whether you're a first-time homebuyer, investor, or someone looking for a property with room to grow, this home offers exceptional potential.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,152
Sqft
0.43 ac
Lot size
1984
Year built
One
Levels
$143
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.
$1,420 /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
$1,420/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.
Where it sits
Inside Willow Oak
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Mulberry. See the full Mulberry guide →
Willow Oak — neighborhood snapshot
Population
7,427
Median age
27
Median income
$56,239
Median home value
$197,969
Avg household
4
Households w/ children
1,210
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Mulberry market
$318K → $315K
Mulberry median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
Median sold price, Mulberry, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 43% below the MULBERRY 33860 median. See the full Mulberry market guide →
Paper trail
This home's history
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 3620 VICKI DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3620 VICKI 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
3620 VICKI DRIVE FAQs
What would the monthly payment be for 3620 VICKI DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,420/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 3620 VICKI DRIVE?+
The most recent tax bill on record (2025) was $2,590. 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 Mulberry?+
At $165,000, this home is listed about 47% below the Mulberry median of $312,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3620 VICKI DRIVE?+
Purcell Elementary School (elementary), Mulberry Middle School (middle), Mulberry 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
01Under the MULBERRY 33860 market on paper
$165,000 is 43% below the MULBERRY 33860 median of $291,000, and at $143/sqft it sits under the Mulberry average of $181.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
199 days on market against a Mulberry median of 29 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $199,000, now $165,000 — a $34K cut. The full history is in the market section below.
Listing courtesy of KELLER WILLIAMS REALTY · Bethany Cromwell. MLS #TB8461044.
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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