CENTURY 21 Edge
$135,000$150,000≈$1,385 /mo all-in ↓

4389 JULIANA LAKE DRIVE, AUBURNDALE, FL, 33823

Active492 days on marketListed Jun 6, 2025MLS #L4953561

✦ Priced 58% below the AUBURNDALE 33823 median✦ Reduced $15KWaterfrontLAKE JULIANA ESTATES

About this home

4389 JULIANA LAKE DRIVE

Incredible opportunity to own this buildable lakefront lot in gated Lake Juliana Estates! This lot is cleared and ready for you to build your dream home in this community nestled between Lake Juliana and Tennessee Lake with clubhouse/community pool, tennis, basketball, playground, fitness center and dock on Lake Juliana. Don't miss out on your chance to have this lakefront lot to build your dream home on!

Facts & features

The home at a glance

0.89 ac

Lot size

WaterfrontWater viewPets allowed

Inside

Outside & construction

ViewWater
FacesEast

Community & fees

HOA fee$195/mo
Taxes (2024)$2,107/yr
PetsYes
CommunityDock · Lake · Fitness Center · Gated Community - No Guard · Playground · Pool · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Phone Available · Sewer Available · Street Lights · Underground Utilities
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$1,385 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$795
FHA mortgage insurance (est.)$60
Property tax — 2024 actual bill$176
HOA fee — from the listing$195
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $4,725Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $4,725
Interest rate6.00%
Loan term

Estimated payment

$1,385/mo

Principal & interest$795
FHA mortgage insurance (est.)$60
Property taxes (actual bill)$176
HOA / condo fee$195
Est. insurance$160

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.

Where it sits

Inside Lake Juliana Estates

Drive times from this address

Walt Disney World≈ 28 min
Universal Orlando≈ 38 min
Downtown Orlando≈ 44 min
Downtown Tampa≈ 47 min
Orlando Int’l Airport (MCO)≈ 49 min
Tampa Int’l Airport (TPA)≈ 59 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Auburndale. See the full Auburndale guide →

Lake Juliana Estates — neighborhood snapshot

Population

355

Median age

53

Median income

$101,000

Median home value

$379,400

Avg household

3

Households w/ children

35%

For the school run

Polk County School District

ElementaryLena Vista Elementary School★★★★★
HighAuburndale Senior High School★★★★★
MiddleLake Alfred Polytech Academy★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Auburndale market

Seller’s marketBalanced — 5.2 months of inventoryBuyer’s market

$316K → $342K

Auburndale median sold, yr/yr

97.8%

Sale-to-list ratio (12 mo)

Median sold price, Auburndale, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 58% below the AUBURNDALE 33823 median. See the full Auburndale market guide →

Paper trail

This home's history

CurrentPrice reduced to $135,000 ▼ $15K
Jun 6, 2025Listed at $150,000 · 492 days on market since

Reality check

What actually sold near 4389 JULIANA LAKE DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

4706 GRANDVIEW GLEN DRIVESold · Oct ’25

$396,900

4706 GRANDVIEW GLEN DRIVE · same community

3 bd · 2 ba · 1,955 sqft · $203/sqft · 0 DOM

4000 JULIANA LAKE DRIVESold · Sep ’26

$435,000

4000 JULIANA LAKE DRIVE · same community

3 bd · 2 ba · 1,958 sqft · $222/sqft · 100 DOM

4645 GRANDVIEW GLEN DRSold · Nov ’25

$396,846

4645 GRANDVIEW GLEN DR · same community

3 bd · 2 ba · 1,970 sqft · $201/sqft · 316 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.

Iain Robinson

Your agent

Iain Robinson

Broker Associate · CENTURY 21 Edge

Tours, negotiation, and every question about 4389 JULIANA LAKE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4389 JULIANA LAKE DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

4389 JULIANA LAKE DRIVE FAQs

What would the monthly payment be for 4389 JULIANA LAKE DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,385/mo — principal and interest, the actual property-tax bill, the $195/mo association fee 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.

How much are the HOA fees at 4389 JULIANA LAKE DRIVE?+

The association fee works out to $195 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 4389 JULIANA LAKE DRIVE?+

The most recent tax bill on record (2024) was $2,107. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Are pets allowed at 4389 JULIANA LAKE DRIVE?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Auburndale?+

At $135,000, this home is listed about 61% below the Auburndale median of $347,025. The market section on this page shows how the area is trending.

Which schools are assigned to 4389 JULIANA LAKE DRIVE?+

Lena Vista Elementary School (elementary), Auburndale Senior High School (high), Lake Alfred Polytech Academy (middle) — Polk County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Under the AUBURNDALE 33823 market on paper

$135,000 is 58% below the AUBURNDALE 33823 median of $318,450.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

492 days on market against a Auburndale median of 68 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $150,000, now $135,000 — a $15K cut. The full history is in the market section below.

Listing courtesy of ADAMS HOMES REALTY · Jesse Tapia. MLS #L4953561.

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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