4435 Horse Creek Ln, photo 1
Active
1 / 39

Overview

4 bd2 ba2,000 sqft2 car garageSingle Family
TypeSingle Family
HOA$1,000/yr
Built2022
Lot10,119 sqft
Living area2,000 sqft
Price / sqft$185
Garage2 car

Ask anything about this home

Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)High CeilingsSolid Surface CountersWindow TreatmentsRain Barrel/Cistern(s)SidewalkStreet LightsBuilt-in Oven

4435 Horse Creek Ln is a 2022-built home in Riverstone Ph 3 & 4, Lakeland. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,000 square feet of living space. Listed at $369,900 (about $185/sqft), 1 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $1,000 annually.

From the listing

Welcome to 4435 Horse Creek Lane, a beautifully maintained 4-bedroom, 2-bath home located in the desirable Riverstone community of Lakeland. Situated on an oversized lot, this home offers a backyard setting that truly stands out, with peaceful views overlooking a small neighboring farm where you may even catch sight of the resident donkeys. Inside, the open floor plan is designed for both everyday living and entertaining. The kitchen features stone countertops, stainless steel appliances, abundant cabinetry, and a large center island with bar seating. Ceramic tile runs throughout the main living areas, with carpeting in select bedrooms for added comfort. The spacious primary suite includes dual sinks, a walk-in shower, and a walk-in closet. Additional highlights include a two-car garage and a generously sized backyard that is vinyl fenced along the front and sides, with wire fencing along the rear to preserve the open view toward the farm. Built in 2022, this home combines modern construction, a functional single-story layout, and the extra space of an oversized homesite. Riverstone offers a vibrant community lifestyle with neighborhood pools, playgrounds, parks, walking and jogging paths, a dog park, and other recreational amenities, all while providing convenient access to shopping, dining, and major roadways throughout Lakeland. If you have been looking for a newer home with extra outdoor space, a great community, and a backyard view that feels anything but typical, this one deserves a closer look.

The essentials

Built
2022
Price / sqft
$185
On market
10 days
Annual tax
$6,582
HOA
$1,000/yr
Flood zone
X · Low risk
Lot
10,119 sqft
Type
Single Family Residence

At a glance

Single family
Built 2022
2 car garage
10,119 sqft lot
Lot size
2,000 sqft
Living area

Payment

Est. monthly payment
$2,746/mo
Down payment (20%)
$73,980
Property taxes
$549/mo
HOA
$1,000/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2022
Lot
10,119 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
10
Ceiling Fans(s)
High Ceilings
Solid Surface Counters
Window Treatments
Rain Barrel/Cistern(s)
Sidewalk
Street Lights
Built-in Oven
Cooktop
Dishwasher
Dryer
Electric Water Heater
Exhaust Fan
Range
Range Hood
Refrigerator
Water Softener
Elementary
Kathleen Elem
Middle
Lakeland Highlands Middl
High
Lakeland Senior High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$6,582
Parcel #
23-29-17-141624-004140

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
Riverstone Ph 3 & 4
County
Polk
MLS Area
33811 - Lakeland
Lot Size
10,119 sqft
HOA
$1,000/yr
Prime Community Management

Price history

Date
Event
Price
9/29/2026
Listed for sale
Source: Stellar MLS #TB8553449
$369,900
$185/sqft

Neighborhood

4435 Horse Creek Ln
Lakeland, FL, 33811 · 33811 - Lakeland

Market insights

Offer Insights

Choose an offer strength

List price: $369,900
$367,500 – $369,900
99.5% – 100% of listTops out right at the list price
80% of listList price
135 of the last 215 home closings in 33811 landed at this number or higher (63%). The median one sat 31 days before it went under contract, and this one is on day 10.

Sample: 215 closed home sales in 33811 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,746/mo
Principal & interest$1,929
Property taxes$549
Insurance$185
HOA$83
Down payment20% · $73,980
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

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

$369,900

$185 per sq ft

Beds and baths

4 beds, 2 baths

Size

2,000 sq ft

Time on market

10 days

Year built

2022

Monthly payment

About $2,746/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,582 annual tax bill, insurance, and the $1,000/yr HOA fee.

HOA fee

$1,000/yr

Managed by Prime Community Management.

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 byEXP REALTY LLCListing agent: Chad HallListing data from Stellar MLS, MLS# TB8553449.

Keep exploring Florida

Pick up where you left off, or see what else is out there.