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3681 GARDENIA DRIVE, Indian Lake Estates, FL, 33855

2beds
2baths
1,188sqft
$255,000
$215price/sqft
$1,925/moest. monthly cost
$77,000/yrincome needed

About This Home

Welcome to this beautifully maintained 2-bedroom, 2-bath home in Indian Lake Estates, offering comfort, functionality, and numerous recent upgrades. Major improvements include a new roof (2024), new HVAC system (2024), and new water heater (2025), providing peace of mind for years to come. Inside, you'll find tile flooring throughout, a spacious living area with an electric fireplace, and flexible dining options including a cozy eat-in kitchen and additional formal dining space. The galley kitchen is conveniently designed for efficient meal preparation and everyday living. The primary suite features a walk-in closet and ample room for a king-size bedroom set. The guest bedroom offers flexible accommodations with space for multiple guests. The second bathroom includes an updated vanity and sink. Step outside to enjoy a uniquely charming backyard retreat featuring a decorative outdoor soaking tub and wash-off shower, perfect for relaxing after a day outdoors. Additional highlights include a large shed with electricity, ideal for a workshop or storage, plus an RV hookup for travelers and guests. A large outdoor smoker is also included, making this property perfect for entertaining. Located in the peaceful community of Indian Lake Estates, this move-in-ready home combines modern updates, practical amenities, and outdoor enjoyment in one attractive package. Whether you're looking for a full-time residence, seasonal retreat, or investment opportunity, this property is ready to welcome you home.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Construction

Condition

  • Property condition: Completed
  • Year built: 1977

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Concrete

Type & Style

  • Home type: SingleFamily
  • Architectural style: Florida
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Electric Water Heater,Freezer,Microwave,Range,Range Hood,Refrigerator,Washer
  • Laundry features: In Garage

Bathroom1

  • Features: Makeup/Vanity Space,Walk-In Closet(s)
  • Level: First
  • Area: 384
  • Dimensions: 24x16

Bathroom1

  • Features: Exhaust Fan,Built-in Closet
  • Level: First
  • Area: 168
  • Dimensions: 12x14

Bathroom2

  • Features: Rain Shower Head,Built-in Closet
  • Level: First
  • Area: 72
  • Dimensions: 12x6

Bedroom2

  • Features: Dual Closets
  • Level: First
  • Area: 192
  • Dimensions: 12x16

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Living Room/Dining Room Combo,Primary Bedroom Main Floor,Thermostat
  • Door features: Outdoor Grill,Outdoor Shower
  • Window features: Window Treatments
  • Flooring: Laminate,Tile
  • Fireplace features: Electric
  • Fireplace: Yes

Florida Room

  • Features: Built-In Shelving,No Closet
  • Level: First
  • Area: 540
  • Dimensions: 36x15

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Wall/Window Unit(s)

Interior Area

  • Total structure area: 1,180
  • Total interior livable area: 1,188 sqft

Kitchen

  • Features: Bar,No Closet
  • Level: First
  • Area: 540
  • Dimensions: 45x12

Living Room

  • Features: Dual Sinks,No Closet
  • Level: First
  • Area: 308
  • Dimensions: 14x22

Primary Bedroom

  • Features: Makeup/Vanity Space,Walk-In Closet(s)
  • Level: First
  • Area: 336
  • Dimensions: 24x14

Property

Details

  • Parcel number: 303107994050019615
  • Zoning: PUD
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Enclosed,Patio,Rear Porch
  • Exterior features: Outdoor Grill,Outdoor Shower
  • Has view: Yes
  • View description: Trees/Woods
  • Residential vegetation: Oak Trees,Trees/Landscaped

Lot

  • Lot size: 0.50 Acres
  • Features: In County
  • Lot size dimensions: 100 x 218

Parking

  • Total spaces: 1
  • Parking features: Driveway,Garage Door Opener,RV Access/Parking
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Wildfire
    WildfireRelatively High
  • Inland Flooding
    Inland FloodingModerate

How This Home’s Risks Compare

Hurricane
Lightning
Strong Wind
Wildfire
Inland Flooding

FEMA Declared Disasters in Polk County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,289$15,468
Home Insurance *$130$1,560
Property Taxes $309$3,708
Electricity $197$2,366
Total$1,925$23,100
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,000/yr
40% on housing$57,750/yr
45% on housing$51,333/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.8%
11.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 6.0%
6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$215This listing

vs Other Active Listings

Avg $/sqft

ZIP 33855$138
Polk County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 33855$184
Polk County$179

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-06-12Listed for sale$255,000
2025-05-25Listing removed$269,900
2025-02-25Price change$269,900
2024-11-14Listed for sale$299,000
2024-09-27Listing removed$299,000
2024-09-21Price change$299,000
2024-04-26Listed for sale$309,000
2021-05-11Listing removed--
2021-01-28Sold$115,000
2020-12-09Pending sale$115,000
2020-12-04Sold$81,000
2020-11-30Price change$115,000
2020-10-26Pending sale$57,000
2020-06-24Listed for sale$57,000
2020-05-01Listing removed--
2020-02-27Listed for sale$113,676
2019-12-20Sold$75,100
2019-12-08Price change$113,660
2019-12-06Price change$113,661
2019-12-04Price change$113,688
2019-12-01Price change$102,857
2019-11-29Price change$102,601
2019-11-27Price change$102,467
2019-11-25Price change$101,923
2019-11-24Price change$101,490
2019-11-20Listed for sale--
2017-04-13Sold$95,000

For Sale by Agent

AgentShelley Hughes Spradling
BrokerageINVESTOR FRIENDLY PROPERTY

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