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Overview

4 bd3 ba1,891 sqft2 car garageSingle Family
TypeSingle Family
HOA$396/qtr
Built2026
Lot21,793 sqft
Living area1,891 sqft
Price / sqft$190
Garage2 car

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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
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

Kitchen/Family Room ComboGardenCooktopMicrowaveRefrigerator

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.

From the listing

*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.

The essentials

Built
2026
Price / sqft
$190
On market
138 days
Annual tax
$179
HOA
$396/qtr
Flood zone
X · Low risk
Lot
21,793 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
2 car garage
0.50 acres
Lot size
1,891 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$2,198/mo
Down payment (20%)
$71,800
Property taxes
$15/mo
HOA
$396/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
21,793 sqft
Cooling
Central Air
Heating
Other
Parking
-
Days on Market
138
Kitchen/Family Room Combo
Garden
Cooktop
Microwave
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$179
Parcel #
30-31-07-994050-020505

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
Indian Lake Estates
County
Polk
MLS Area
33855 - Indian Lake Estates/Lake Wales
Lot Size
21,793 sqft
HOA
$396/qtr
Indian Lake Estates, Inc

Price history

Date
Event
Price
10/17/2026
Price change
Source: Stellar MLS #S5151071
$359,000-0.6%
$190/sqft
-
Price change
Source: Stellar MLS #S5151071
$361,000-3.7%
$191/sqft
6/2/2026
Listed for sale
Source: Stellar MLS #S5151071
$374,900
$198/sqft

Neighborhood

3830 Gardenia Dr
Indian Lake Estates, FL, 33855 · 33855 - Indian Lake Estates/Lake Wales

Market insights

Offer Insights

Choose an offer strength

List price: $359,000
$345,000 – $359,000
95.8% – 100% of listTops out right at the list price
80% of listList price
19 of the last 37 home closings in 33855 landed at this number or higher (51%). The median one sat 66 days before it went under contract, and this one is on day 138 after a $15,900 cut.

Sample: 37 closed home sales in 33855 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,199/mo
Principal & interest$1,872
Property taxes$15
Insurance$180
HOA$132
Down payment20% · $71,800
Interest rate6.80%
Loan term

Not sure what you can afford?

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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.

Offer

What should I offer?

Have another question?

Brokered byK REALTYListing agent: Raquel Batalha, PAListing data from Stellar MLS, MLS# S5151071.

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