David Ramirez
$427,000$429,0003 bd2 ba1,762 sqft$242 /sqft$3,188 /mo all-in ↓

4101 POINCIANA DRIVE, INDIAN LAKE ESTATES, FL, 33855

Active68 days on marketListed Jun 8, 2026MLS #TB8516649

Reduced $2KSingle Family ResidenceINDIAN LAKE ESTATES

About this home

4101 POINCIANA DRIVE

CALLING ALL SNOWBIRDS! Stop renting and start owning your winter home! With just over 2400 square feet under roof, this 3/2/4 stunning home has something for everyone in the family! A 24x21 outdoor kitchen with seating for more than a dozen and a wall-mounted television MUST be the highlight. No wait! The 480-square-foot detached garage is the highlight! No wait! The walk-in kitchen pantry is the highlight. There are so many upgrades everywhere you look. You won’t be able to find just one highlight either. The primary bedroom has a walk-in closet with a sliding farmhouse door in the bathroom, dual sinks, a walk-in shower with glass door, and a separate, private room with a window for the toilet. The $4000 glass shower door is an amazing touch. The wainscoting perfects the primary suite. There are also two additional bedrooms on either side of the hallway bathroom, perfect for family or guests. The details in the home are amazing. Ceiling fans everywhere. The vertical hurricane windows in this home prevent any interruption in your view. The beautiful and functional quartz kitchen backsplash with farmhouse sink is easy to miss. The primary gathering space extends with sliders from the living/dining/kitchen area to the outside patio to double the entertaining square footage. All the add-ons mean you can move right in and begin entertaining from Day One. The gutters, the hurricane window and door package, the landscaping, the SMART connection, the 40-foot media antennae: they are designed to create a home sanctuary. Enjoy the tranquility of the woods all around you, knowing the largest lake in Polk County is less than a mile away. The roads are private, so grab your camera and drive your golf cart down to the pier and enjoy watching the sunsets and birds over the water each night. Indian Lake Estates (ILE) is the perfect blend of privacy and activity. When you feel like socializing, the clubhouse hosts karaoke, bingo, card games, trivia night, painting classes, a full lending library, PLUS the restaurant and bar is open 7 days a week. The golf course is public, but residents who pay their annual license fee ($396.27 was due in January 2026) are invited to play the 9-hole, executive, 3-par course every day at no cost. What an inexpensive way to learn or improve your skills. Take advantage of the putting green, driving range and pro shop amenities! And tennis and pickleball are right there on property, along with two playgrounds for the kids. This property, and this community, have it all! Call your agent today and claim it for your own family today! ILE IS THE PLACE TO BE!

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,762

Sqft

0.5 ac

Lot size

4

Garage

2022

Year built

One

Levels

$242

Per sqft

Pets allowed

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Split Bedroom · Stone Counters · Vaulted Ceiling(s)
LaundryIn Garage
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesNorth
ExteriorOutdoor Kitchen

Community & fees

HOA fee$33/mo
Taxes (2025)$3,504/yr
PetsYes
CommunityCommunity Boat Ramp · Dock · Fishing · Lake · Private Boat Ramp · Water Access · Clubhouse · Deed Restrictions · Fitness Center · Gated Community - No Guard · Golf Carts OK · Playground · Restaurant · Tennis Court(s)

Utilities & systems

UtilitiesElectricity Connected
WaterWell

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.

$3,188 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,514
FHA mortgage insurance (est.)$189
Property tax — 2025 actual bill$292
HOA fee — from the listing$33
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,945Loan30-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

Run your own numbers

Loan type
Down payment3.5% · $14,945
Interest rate6.00%
Loan term

Estimated payment

$3,188/mo

Principal & interest$2,514
FHA mortgage insurance (est.)$189
Property taxes (actual bill)$292
HOA / condo fee$33
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.

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.

List $427K
$364KedgeAI estimate $394,890 · range $379K$401K$444K

vs edgeAI estimate

+8.1%

$/sqft vs INDIAN LAKE ESTATES

$242 vs $201

Days on market

68 vs 59 typical

Where $242/sqft sits among the 25 homes for sale in INDIAN LAKE ESTATES

5
3
7
2
5
3 · this home
$161–177$177–193$193–210$210–226$226–242$242+

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

Map of 4101 POINCIANA DRIVE

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 buyer8.1 months of inventoryBuyer’s market

$327K$330K

Indian Lake Estates median sold, yr/yr

96.7%

Sale-to-list ratio (12 mo)

10 of 25

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 1983% above the INDIAN LAKE ESTATES 33855 median. See the full Indian Lake Estates market guide →

Paper trail

This home's history

CurrentPrice reduced to $427,000 $2K
Jun 8, 2026Listed at $429,000 · 68 days on market since
2022Built · INDIAN LAKE ESTATES

Reality check

What actually sold near 4101 POINCIANA DRIVE

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

4370 HIBISCUS DRIVESold · Mar ’26

$345,000

4370 HIBISCUS DRIVE · same community

3 bd · 2 ba · 1,770 sqft · $195/sqft · 39 DOM

2081 VALENCIA DRIVESold · Dec ’25

$310,000

2081 VALENCIA DRIVE · same community

3 bd · 2 ba · 1,773 sqft · $175/sqft · 32 DOM

4310 INDIAN LAKE DRIVESold · Feb ’26

$265,000

4310 INDIAN LAKE DRIVE · same community

2 bd · 2 ba · 1,749 sqft · $152/sqft · 318 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 4101 POINCIANA DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4101 POINCIANA 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.

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Straight answers

4101 POINCIANA DRIVE FAQs

What would the monthly payment be for 4101 POINCIANA DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,188/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 4101 POINCIANA 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 4101 POINCIANA DRIVE?+

The most recent tax bill on record (2025) was $3,504. 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 4101 POINCIANA 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 $427,000, this home is listed about 15% above the Indian Lake Estates median of $369,900. The market section on this page shows how the area is trending.

Which schools are assigned to 4101 POINCIANA DRIVE?+

Frostproof Ben Hill Griffin Junior Elementary School (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of SIGNATURE REALTY ASSOCIATES · Laura Carter. MLS #TB8516649.

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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