
3520 WHITE OAK COURT, LAKE WALES, FL, 33898
Active30 days on marketListed Sep 12, 2026MLS #K4903714
About this home
3520 WHITE OAK COURT
WELCOME TO THIS well-maintained 3-bedroom, 2-bath pool home located in Country Oaks, one of Lake Wales' most desirable neighborhoods and No HOA! Designed with a functional split floor plan, the home offers plenty of space and privacy, along with a dedicated office that's perfect for working from home, hobbies, or additional flex space. Attractive wood floors grace the living and dining rooms, while sliding glass doors open to expand the space onto the spacious lanai and give view across the wonderful backyard and pool area. The centrally located kitchen provides peninsular counter-top seating and an abundance of cabinetry and lengthy counters. The owners’ en suite has access to the lanai and offers a walk-in closet while its bathroom presents a large, tiled shower with glass doors. The additional bedrooms stand convenient to the second bathroom with a tub. Step outside and enjoy Florida living from the expansive 37' x 12' screened porch overlooking the private pool—an ideal setting for relaxing, entertaining, or enjoying evenings outdoors. One of the standout features of this property is the exceptional amount of garage, workshop, and storage space. In addition to the attached garage, the home features a spacious 24' x 22' workshop, perfect for a home workshop, additional vehicle or recreational storage, or anyone needing extra space for their projects and equipment. An additional storage shed provides even more room for lawn equipment, tools, and outdoor gear. With its desirable Country Oaks location, well-maintained condition, private pool, generous outdoor living space and hard-to-find property with workshop and storage options. This residence offers a great combination of comfort, functionality and fabulous Central Florida living! Call today, you don't miss this opportunity!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,800
Sqft
0.6 ac
Lot size
2
Garage
1986
Year built
One
Levels
$193
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,549 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,549/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+0.4%
$/sqft vs Lake Wales actives
$193 vs $167
Days on market
30 vs 84 typical
Where $193/sqft sits among the 381 Lake Wales actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Lake Wales
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lake Wales. See the full Lake Wales guide →
LAKE WALES 33898 — neighborhood snapshot
Population
18,426
Median age
46.9
Median income
$54,778
Median home value
$161,500
Avg household
2.51
Households w/ children
1,790
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lake Wales market
$275K → $249K
Lake Wales median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
178 of 381
Lake Wales actives have cut their price
Median sold price, Lake Wales, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 148% above the LAKE WALES 33898 median. See the full Lake Wales market guide →
Paper trail
This home's history
Reality check
What actually sold near 3520 WHITE OAK COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$340,000
3448 BLACK JACK DRIVE · same community
3 bd · 2.5 ba · 1,834 sqft · $185/sqft · 32 DOM
Sold · Sep ’26$373,000
3339 SLASH PINE DRIVE · same community
3 bd · 2 ba · 1,728 sqft · $216/sqft · 27 DOM
Sold · Feb ’26$420,000
3550 SILVER OAK COURT · same community
3 bd · 2 ba · 1,663 sqft · $253/sqft · 5 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3520 WHITE OAK COURT — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3520 WHITE OAK COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3520 WHITE OAK COURT FAQs
What would the monthly payment be for 3520 WHITE OAK COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,549/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 3520 WHITE OAK COURT?+
The most recent tax bill on record (2025) was $2,279. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Lake Wales?+
At $347,500, this home is listed about 42% above the Lake Wales median of $245,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3520 WHITE OAK COURT?+
Spook Hill Elementary School (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of 1513 REALTY LLC · Drew Farrar. MLS #K4903714.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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