

Overview
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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
- INDIAN LAKE ESTATES
- Type
- Single Family Residence
True monthly carry
- HOA
- ~$132/mo
- CDD bond
- No CDD disclosed
- 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.
About this home
3830 Gardenia Dr is a 2026-built home in Indian Lake Estates, Indian Lake Estates. Inside you'll find 4 bedrooms, 3 bathrooms, and 1,891 square feet of living space. Listed at $359,000 (about $190/sqft), 138 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $396 quarterly.
*You’ve found your dream home* — a beautifully upgraded residence featuring premium finishes and thoughtful enhancements throughout, offering the perfect combination of style, comfort, and modern living. *Seller is offering up to $3,000 toward buyer’s closing costs for buyers financing through the preferred lender* — an excellent opportunity to help reduce upfront expenses at closing. Contact listing agent for details. Designed beyond standard builder specifications, this home showcases numerous high-end upgrades that elevate both functionality and elegance. The open-concept living areas feature upgraded wood flooring, designer lighting, and carefully selected fixtures that create a warm atmosphere. At the heart of the home, the kitchen features a stunning quartz waterfall island, beautifully positioned to overlook the family room — creating the perfect setting for entertaining, everyday living, and effortless interaction with guests and family. Upgraded cabinetry with soft-close drawers and doors adds both luxury and durability, while modern stainless steel hardware, faucets, and door handles enhance the home’s contemporary appeal. Additional premium features include ceiling fans in the living room and primary suite, upgraded high-profile baseboards, and enhanced interior finishes that provide an elevated level of craftsmanship and comfort throughout the home. Outside, the brick-paver driveway enhances curb appeal while adding both beauty and functionality. Move-in ready and thoughtfully upgraded, this exceptional home offers a level of quality, design, and attention to detail that truly stands above standard builder finishes. Special financing and homebuyer assistance programs may be available for eligible purchasers. Qualified buyers could receive up to $50,000 toward down payment and closing costs through local assistance programs. Contact the listing agent or your lender for details, eligibility requirements, and current program availability.
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The essentials
At a glance
Payment
Details
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: 37 closed home sales in 33855 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 includes any condo dues 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
$359,000
$190 per sq ft
Beds and baths
4 beds, 3 baths
Size
1,891 sq ft
Time on market
138 days
Year built
2026
Monthly payment
About $2,198/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $179 annual tax bill, insurance, and the $396/qtr HOA fee.
HOA fee
$396/qtr
Managed by Indian Lake Estates, Inc.
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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