3991 SHADY COURT, MULBERRY, FL, 33860
Active115 days on marketListed Apr 16, 2026MLS #TB8498790
About this home
3991 SHADY COURT
Seller is offering $2,000 toward buyer closing costs. Combined with USDA zero-down financing, a qualified buyer could get into this home with very little out of pocket. Tucked at the end of a quiet cul-de-sac with no HOA and no deed restrictions, this 2021-built home is full of surprises — starting with the financing. This property is eligible for USDA, VA, FHA, and Conventional financing. Qualified buyers may be able to purchase this home with ZERO down payment. Inside you'll find 1,400 square feet of thoughtfully designed living space — 3 bedrooms, 2 full baths, a split floor plan, walk-in closets, open concept kitchen, vinyl plank flooring throughout, and all appliances included. Built in 2021, the big ticket items are already handled — roof, AC, and systems are all newer. Sitting on nearly a third of an acre with public water, there's genuine outdoor space with room to grow — and with no HOA, you have the freedom to make it your own. Conveniently located near SR-60 for an easy commute to Lakeland or Tampa. Call for a showing today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,400
Sqft
0.29 ac
Lot size
2021
Year built
One
Levels
$154
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.
$1,741 /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
$1,741/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
−6.9%
$/sqft vs Mulberry actives
$154 vs $181
Days on market
115 vs 32 typical
Where $154/sqft sits among the 94 Mulberry actives
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 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
$300K → $270K
Mulberry median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
49 of 94
Mulberry actives have cut their price
Median sold price, Mulberry, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 24% below the MULBERRY 33860 median. See the full Mulberry market guide →
Paper trail
This home's history
Reality check
What actually sold near 3991 SHADY COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$190,000
4056 SHADY VIEW RUN · same community
3 bd · 2 ba · 1,344 sqft · $141/sqft · 6 DOM
Sold · Feb ’26$182,000
4113 SHADY VIEW RUN · same community
2 bd · 2 ba · 1,216 sqft · $150/sqft · 59 DOM
Sold · Jun ’26$195,000
4012 SHADY HAMMOCK DRIVE · same community
4 bd · 2 ba · 1,728 sqft · $113/sqft · 77 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 3991 SHADY COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3991 SHADY COURT — 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
3991 SHADY COURT FAQs
What would the monthly payment be for 3991 SHADY COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,741/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 3991 SHADY COURT?+
The most recent tax bill on record (2025) was $2,640. 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 3991 SHADY COURT?+
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 Mulberry?+
At $215,000, this home is listed about 28% below the Mulberry median of $299,950. The market section on this page shows how the area is trending.
Which schools are assigned to 3991 SHADY COURT?+
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
Three things that matter here
01Under the MULBERRY 33860 market on paper
$215,000 is 24% below the MULBERRY 33860 median of $282,450, and at $154/sqft it sits under the Mulberry average of $185.
02Time on market is leverage
115 days on market against a Mulberry median of 32 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $220,000, now $215,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FOUNDATION REALTY GROUP · Danielle Jones. MLS #TB8498790.
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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