David Ramirez
$4,9505 bd3.5 ba4,223 sqft$1 /sqft$196 /mo all-in ↓

2881 HAMMOCK DRIVE, PLANT CITY, FL, 33566

Active41 days on marketListed Jun 23, 2026MLS #TB8522214

Priced 99% below the PLANT CITY 33566 medianSingle Family ResidenceWALDEN LAKE UNIT 20

About this home

2881 HAMMOCK DRIVE

LEASE OPTION/RENT TO OWN ONLY – Move into your future home today while working toward ownership of this stunning lakefront estate in the highly desirable Walden Lake community of Plant City. Traditional rentals will not be considered. This unique lease-option opportunity allows qualified buyers to enjoy the home now while building toward homeownership in one of the area's most sought-after neighborhoods. Enjoy the Country Club lifestyle in this completely remodeled 5-bedroom, 3.5-bath waterfront home offering over 4,000 square feet under air and a spacious 3-car garage. The third bay provides exceptional flexibility and can function as a traditional garage, workshop, home office, fitness room, or hobby space. Because this area is under heated and cooled space, it offers endless possibilities while still maintaining the option for vehicle storage. Recently renovated with high-end finishes throughout, the home features quartz countertops, luxury flooring, fresh interior paint, and a modern design that blends elegance with comfort. The spacious floor plan offers abundant room for everyday living, entertaining, and accommodating a variety of lifestyles. A large loft-style bonus area provides the perfect space for a game room, media room, entertainment area, home school setup, or additional living space. The home also features two fireplaces, including one in the primary suite for a private retreat and another in the main living area, creating warmth and character throughout the home. The oversized kitchen and living spaces flow seamlessly toward the backyard, maximizing the breathtaking lake views. Step outside to your own private waterfront retreat featuring a private dock overlooking the water—perfect for fishing, kayaking, entertaining guests, or enjoying peaceful sunsets from your backyard. Situated on an oversized lot, the property offers additional privacy and outdoor space rarely found within the community. Fully remodeled with updates including a new roof and new air conditioning system, providing peace of mind for years to come. Walden Lake residents enjoy miles of scenic walking and biking trails, parks, playgrounds, dog parks, and beautiful natural surroundings. The community also offers recreational amenities including a swimming pool, fitness facilities, and gathering spaces, creating a true lifestyle experience for residents. Conveniently located near shopping, dining, schools, and major highways, this home provides easy access to Tampa, Lakeland, and surrounding areas while maintaining the peaceful atmosphere that makes Walden Lake so desirable. Why spend years renting and building someone else's equity when you can move into a home you have the opportunity to own? Opportunities like this—a fully remodeled lakefront home with over 4,000 square feet in one of Plant City's most established communities—are rare. Lease-option inquiries only. Schedule your private showing today and learn how you can move in now and purchase later.

Facts & features

The home at a glance

5

Bedrooms

3.5

Bathrooms

4,223

Sqft

0.29 ac

Lot size

3

Garage

1986

Year built

One

Levels

$1

Per sqft

FireplaceWater viewPets allowed

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Microwave · Range
InteriorCeiling Fan(s) · Kitchen/Family Room Combo · Stone Counters · Thermostat
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

ViewWater
ParkingCircular Driveway
ExteriorIrrigation System · Lighting · Rain Gutters

Community & fees

PetsYes

Utilities & systems

UtilitiesCable Connected · Electricity Connected
WaterPublic

The numbers

What it really costs

Principal and interest plus estimated taxes and insurance. Run your own numbers below.

$196 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$29
FHA mortgage insurance (est.)$2
Est. property taxes (1.1%/yr)$5
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $173Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesEstimated at 1.1%/yrInsuranceFlorida 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% · $173
Interest rate6.00%
Loan term

Estimated payment

$196/mo

Principal & interest$29
FHA mortgage insurance (est.)$2
Est. property taxes$5
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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.

$/sqft vs Plant City actives

$1 vs $214

Days on market

41 vs 55 typical

Where $1/sqft sits among the 277 Plant City actives

0 · this home
5
92
112
43
25
$1–65$65–129$129–193$193–257$257–321$321+

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 Walden Lake

Map of 2881 HAMMOCK DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa33 min
Tampa Int’l Airport (TPA)45 min
Walt Disney World59 min
Universal Orlando69 min
Downtown Orlando75 min

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

Get to know Plant City. See the full Plant City guide →

Walden Lake — neighborhood snapshot

Population

7,588

Median age

44

Median income

$109,068

Median home value

$337,879

Avg household

3

Households w/ children

946

For the school run

Hillsborough County School District

ElementaryWalden Lake Elementary School★★★★
HighPlant City High School★★★★★
MiddleTomlin Middle School★★★★
ElementaryPatricia Sullivan Metropolitan Ministries Partnership School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Plant City market

Seller’s marketSeller’s market2.9 months of inventoryBuyer’s market

$357K$365K

Plant City median sold, yr/yr

98.3%

Sale-to-list ratio (12 mo)

162 of 277

Plant City actives have cut their price

Median sold price, Plant City, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 99% below the PLANT CITY 33566 median. See the full Plant City market guide →

Paper trail

This home's history

Jun 23, 2026Listed at $4,950 · 41 days on market since
1986Built · WALDEN LAKE UNIT 20

Reality check

What actually sold near 2881 HAMMOCK DRIVE

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

2881 HAMMOCK DRIVESold · Dec ’25

$380,000

2881 HAMMOCK DRIVE · same community

4 bd · 3.5 ba · 3,923 sqft · $97/sqft · 0 DOM

2800 CYPRESS COURTSold · Dec ’25

$796,000

2800 CYPRESS COURT · same community

4 bd · 3.5 ba · 3,460 sqft · $230/sqft · 13 DOM

2802 HAMMOCK DRIVESold · Jul ’26

$667,000

2802 HAMMOCK DRIVE · same community

5 bd · 2.5 ba · 3,382 sqft · $197/sqft · 100 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 2881 HAMMOCK 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 2881 HAMMOCK 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.

Goes straight to David’s phone and CRM.

Straight answers

2881 HAMMOCK DRIVE FAQs

What would the monthly payment be for 2881 HAMMOCK DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $196/mo — principal and interest, estimated property taxes 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.

Are pets allowed at 2881 HAMMOCK 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 Plant City?+

At $4,950, this home is listed about 99% below the Plant City median of $410,000. The market section on this page shows how the area is trending.

Which schools are assigned to 2881 HAMMOCK DRIVE?+

Walden Lake Elementary School (elementary), Plant City High School (high), Tomlin Middle School (middle), Patricia Sullivan Metropolitan Ministries Partnership School (elementary) — Hillsborough County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Under the PLANT CITY 33566 market on paper

$4,950 is 99% below the PLANT CITY 33566 median of $425,000, and at $1/sqft it sits under the Plant City average of $242.

02Water views

The water view is part of what you're buying — views hold value independently of the structure.

03Strong assigned schools

Walden Lake Elementary School, Plant City High School, Tomlin Middle School, Patricia Sullivan Metropolitan Ministries Partnership School — Walden Lake Elementary School rates 4 of 5. Always verify assignments with the district.

Listing courtesy of AMETHYST PROPERTY ADVISORS LLC · James Miller. MLS #TB8522214.

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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