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$369,990
4113 Penelope Ave, Lake Wales, FL, 33859
$146/sqft·Annabelle Estates
Est. $1,930/moSee payment4
beds
3
baths
2,531
sqft
2
garage
Listed by OLYMPUS EXECUTIVE REALTY INC· Last updated · MLS# G5116237
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New construction · 2026
Different rules apply when you buy new
Build snapshot
- Build year
- 2026
- Builder
- Ask the team — not on MLS
- Community
- ANNABELLE ESTATES
- Type
- Single Family Residence
True monthly carry
- HOA
- ~$37/mo
- CDD bond
- Yes — typically $1,500–$3,500/yr
- Builder incentives
- Ask — change weekly
What we'll do for you on a new build
Builder contract redlines
Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.
11-month inspection
Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.
Verified incentives
We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.
CDD heads-up.This community is in a Community Development District — there's a separate annual bond payment ($1,500–$3,500 typical) on top of HOA that builders often roll into the mortgage statement. Worth knowing before you write an offer.
About this home
Eat-in KitchenHigh CeilingsKitchen/Family Room ComboOpen FloorplanPrimarybedroom UpstairsSplit BedroomThermostatWalk-in Closet(s)
4113 Penelope Ave is a 2026-built home in Annabelle Estates, Lake Wales. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,531 square feet of living space. Listed at $369,990 (about $146/sqft), 2 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $37 monthly.
From the listing
Virtually Staged. Under Construction. The Winston floorplan offers a spacious two-story layout with four bedrooms and three full bathrooms. This well-designed home includes a two-car garage and features a functional flex room on the main level, ideal for a home office or extra living space. The first floor includes a cozy great room adjacent to the cafe, creating an inviting space for relaxation and entertaining. Upstairs, the owner's suite provides a private retreat with a walk-in closet and en-suite bathroom, while three additional bedrooms share access to a bonus room, adding versatility to the living area. Sample Image
The essentials
Built
2026
Price / sqft
$146
On market
18 days
Annual tax
$2,983
HOA
$37/mo
Flood zone
X · Low risk
Lot
6,448 sqft
Type
Single Family Residence
Location
Type
Single Family Residence
Year Built
2026
Lot
6,448 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener
Days on Market
18
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Primarybedroom Upstairs
Split Bedroom
Thermostat
Walk-in Closet(s)
Lighting
Sidewalk
Sliding Doors
Community Mailbox
Deed Restrictions
Golf
Park
Playground
Pool
Sidewalks
Street Lights
Dishwasher
Disposal
Electric Water Heater
Exhaust Fan
Microwave
Range
Elementary
South Pointe Elementary
Middle
McLaughlin Academy Of Excellence
High
Mclaughlin Academy Of Excellence
Districts can re-zone, so verify directly with the district before relying on these.
In a CDD (Community Development District)Flood Zone X
Annual Tax (2025)
$2,983
Parcel #
27-29-31-871100-001680
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Subdivision
Annabelle Estates
County
Polk
MLS Area
33859 - Lake Wales
Lot Size
6,448 sqft
ClearedLevelSidewalkPaved
HOA
$37/mo
Amelia Kirkland
Date
Event
Price
8/8/2026
Listed for sale
Source: Stellar MLS #G5116237
$369,990
$146/sqft
Enter a home price - see your real monthly payment.
Loan Details
$100K$2M
Your Results
Total Monthly Payment
$2,515
Principal, interest, tax, insurance, HOA
- P&I$1,930
- Tax$249
- Insurance$300
- HOA$37
Loan Amount
$295,992
Down Payment %
20.0%
First Year Summary
Principal
$3,124
Interest
$20,031
Balance
$292,868
Total Interest
$398,681
Total Cost
$694,673
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