Overview
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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.
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
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), 64 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $37 monthly.
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
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The essentials
At a glance
Payment
Details
Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
Market insights
Offer Insights
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Sample: 108 closed home sales in 33859 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.
Quick answers.
Price
$369,990
$146 per sq ft
Beds and baths
4 beds, 3 baths
Size
2,531 sq ft
Time on market
64 days
Year built
2026
Monthly payment
About $2,401/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,983 annual tax bill, insurance, and the $37/mo HOA fee.
HOA fee
$37/mo
Managed by Amelia Kirkland.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
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