3830 Gardenia DriveNew Construction Home in Indian Lake Estates, FL
Indian Lake Estates, FL 33855 · Polk County
$359,000
$374,900
$190/sq ft
Photos of 3830 Gardenia Drive
1 / 30About this home
*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.
Home details and costs
- MLS number
- S5151071
- Property type
- Single Family Residence
- Build stage
- Move-In Ready
- Heated square feet
- 1,891 sq ft
- Total under roof
- 2,333 sq ft
- Stories
- 1 Story
- Lot size
- 0.50 acres
- Subdivision
- Indian Lake Estates
- HOA fee
- $396/quarter
- Annual property tax
- $179 (current assessment)
- Days on market
- 126 days
Heads up on that tax figure. On new construction, the number in the MLS is often the tax on the bare lot, not the finished home. Expect it to jump once the county reassesses with the house on it. How Florida reassesses new builds
What would this home actually cost per month?
Pre-filled with this listing's price and HOA. Adjust anything to match your situation.
Estimated monthly payment
$3,039
$35,900 down (10%) on a $323,100 loan
- Principal and interest
- $2,042
- Property tax (estimated)
- $464
- Homeowners insurance
- $267
- HOA
- $132
- PMI (under 20% down)
- $135
CDD defaults to zero, and that is often wrong.Many Tampa Bay new-construction communities carry a Community Development District assessment of roughly $1,500 to $3,000 a year on top of HOA, and it is rarely included in a builder's payment estimate. Ask whether this address is in a CDD before you budget.
The tax figure in the MLS looks like a bare-lot assessment. It lists $179 a year, while taxing this purchase price works out closer to $5,562. On new construction the county reassesses once the house is finished, so budget from the higher number.
Estimates only. Actual taxes, insurance, and assessments vary by address and change year to year.
Get the real numbers on this homeWhat is negotiable on this home?
Here is what this listing's numbers say about the builder's position.
On the market 126 daysWorth knowing
Past the 90-day mark is where most builders start getting more flexible on concessions, even while holding the published price.
Reduced $15,900 (4%)Worth knowing
Originally listed at $374,900. A builder that has already cut once has acknowledged the first number did not work. That is a different conversation than one who has never moved.
Finished and standingWorth knowing
A completed home with a Certificate of Occupancy is inventory, not a future sale. Builders treat standing inventory very differently from a lot they have not broken ground on.
Where builders actually give
Rarely on the published base price. It sets the comp for every unsold home behind this one, and protecting it protects their appraisals. The real room is in closing cost credits, interest rate buydowns, and upgrades moved into the base. Asking for the right one in the right order is most of the job.
Virtual tour
View the virtual tour for 3830 Gardenia Drive→Other new construction homes in Indian Lake Estates
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Listed by K Realty. Listing data provided courtesy of Stellar MLS via Bridge Interactive. Information is deemed reliable but not guaranteed and is provided for consumers' personal, non-commercial use. 3830 Gardenia Drive, Indian Lake Estates, FL 33855 is presented by Barrett Henry, REMAX Collective. Prices, availability, and incentives change without notice.