4220 OLEANDER DRIVE, INDIAN LAKE ESTATES, FL, 33855
Active164 days on marketListed Feb 20, 2026MLS #TB8472682
About this home
4220 OLEANDER DRIVE
This FURNISHED home is ready for you this winter! This FURNISHED home is a split plan, with two suites on either end of the home. The primary suite is a generous portion of the house, with room for sitting, a linen/storage closet, a walk-in clothes closet, a full bathroom with tub and shower, and a sliding door to the back porch. The second room has a full bathroom in the hall and a generous second bedroom with ceiling fan and window facing South. There’s even a pull-out sofa. The great room and kitchen combine for an easy flow, so you don’t miss any of the fun. The home is located on a quiet street, on an oversized corner lot. Play cornhole or sit on the front porch and just hang out. The four seasons room has sliding doors on all three sides. The insulated, double-pane windows are newer and the private well and septic mean you only have a monthly electric bill. Internet and satellite are available. The active community offers concerts, karaoke and trivia nights, weekly card games, bingo, movie nights, a book club, PLUS basketball, pickleball and tennis courts, just to name a few. No more seasonal renting. Call your agent today to view this property. ILE IS THE PLACE TO BE!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,104
Sqft
0.55 ac
Lot size
1
Garage
1986
Year built
One
Levels
$214
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 and the real association fee — not generic estimates.
$1,904 /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
$1,904/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
+2.7%
$/sqft vs INDIAN LAKE ESTATES
$214 vs $209
Days on market
164 vs 33 typical
Where $214/sqft sits among the 24 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
97.1%
Sale-to-list ratio (12 mo)
8 of 24
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 975% 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 4220 OLEANDER DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$200,000
6261 RED GRANGE BOULEVARD · same community
2 bd · 1 ba · 1,040 sqft · $192/sqft · 4 DOM
Sold · Nov ’25$229,850
3601 PARK AVENUE · same community
2 bd · 2 ba · 1,030 sqft · $223/sqft · 34 DOM
Sold · Mar ’26$65,000
3771 INDIAN LAKE DRIVE · same community
3 bd · 1 ba · 998 sqft · $65/sqft · 0 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 4220 OLEANDER DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4220 OLEANDER 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
4220 OLEANDER DRIVE FAQs
What would the monthly payment be for 4220 OLEANDER DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,904/mo — principal and interest, the actual property-tax bill, the $33/mo association fee 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.
How much are the HOA fees at 4220 OLEANDER DRIVE?+
The association fee works out to $33 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4220 OLEANDER DRIVE?+
The most recent tax bill on record (2025) was $2,605. 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 4220 OLEANDER 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 $236,000, this home is listed about 35% 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 4220 OLEANDER DRIVE?+
Frostproof Ben Hill Griffin Junior Elementary School (elementary) — 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
$236,000 runs 975% above the INDIAN LAKE ESTATES 33855 median.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
164 days on market against a Indian Lake Estates median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $240,000, now $236,000 — a $4K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SIGNATURE REALTY ASSOCIATES · Laura Carter. MLS #TB8472682.
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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