4220 HOWELL LANE, MULBERRY, FL, 33860
Active3 days on marketListed Sep 1, 2026MLS #L4964723
About this home
4220 HOWELL LANE
Welcome to 4220 Howell Ln, a spacious 4-Bedroom, 3-Bath home privately tucked away at end of the road on 2.65 acres surrounded by mature trees and established landscaping. The open-concept kitchen, dining and living areas create an inviting space for everyday living and entertaining. The kitchen features newer stainless steel appliances, a 7'9" kitchen island with storage on both sides, while crown molding adds a polished finishing touch throughout the home. The split-bedroom floor plan provides added privacy. The primary suite features large sliding glass doors and an extra large shower with dual showerheads. A private office with a large walk-in closet provides valuable additional space for working from home, hobbies or storage. The dining room also features large sliding glass doors that fill the home with natural light and provide easy access to the outdoors. Step outside to the expansive concrete patio just off the kitchen and primary bedroom - perfect for cookouts, entertaining or relaxing while enjoying the large yard and peaceful setting. The property also includes a 25' x 19' car cover, a 15'x10' backyard storage shed with electricity and an additional 34'x24' concrete pad with an electrical hookup. Garden enthusiast will appreciate (four) 12'x4' above-ground garden containers, along with a mulberry tree, banana tree and grapevine, and a well maintained chicken coop with its own storage room. EXTRA LARGE CEMENT PARKING PAD AND AREA FOR BASKETBALL GOAL. Major improvements include a NEW ROOF, NEW A/C SYSTEM both less than a year old, newer double paned windows installed 2023 and a new water heater installed in 2022. Whole house re-plumbed 2022 with CPVC, installed new lights, can lights, & fixtures, new sliding glass doors. This also includes PID# 23-29-32-000000-022250 which is .18 acres for right of way. With ACREAGE, NO HOA, PRIVACY, MATURE TREES, ATTRACTIVE LANDSCAPING, GENEROUS LIVING SPACE, OUTDOOR AMENITIES and updates already completed, this property is ready to welcome its next owner!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,396
Sqft
2.51 ac
Lot size
1981
Year built
One
Levels
$223
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.
$3,828 /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
$3,828/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
+7.5%
$/sqft vs NOT IN SUBDIVISION
$223 vs $241
Days on market
3 vs 32 typical
Where $223/sqft sits among the 143 homes for sale in NOT IN SUBDIVISION
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 Willow Oak
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Mulberry. See the full Mulberry guide →
Willow Oak — neighborhood snapshot
Population
7,427
Median age
27
Median income
$56,239
Median home value
$197,969
Avg household
4
Households w/ children
1,210
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Mulberry market
$300K → $314K
Mulberry median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
73 of 143
NOT IN SUBDIVISION have cut their price
Median sold price, Mulberry, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 85% above the MULBERRY 33860 median. See the full Mulberry market guide →
Paper trail
This home's history
Reality check
What actually sold near 4220 HOWELL LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$1,450,000
3800 GERBER DAIRY ROAD · same community
3 bd · 2 ba · 2,406 sqft · $603/sqft · 14 DOM
Sold · Dec ’25$485,000
4510 CINDY ROAD · same community
4 bd · 4 ba · 2,520 sqft · $192/sqft · 86 DOM
Sold · Dec ’25$299,990
1307 LONG STREET · same community
4 bd · 2 ba · 2,146 sqft · $140/sqft · 6 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4220 HOWELL LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4220 HOWELL LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4220 HOWELL LANE FAQs
What would the monthly payment be for 4220 HOWELL LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,828/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 4220 HOWELL LANE?+
The most recent tax bill on record (2025) was $3,386. 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 Mulberry?+
At $535,000, this home is listed about 79% above the Mulberry median of $299,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4220 HOWELL LANE?+
Purcell Elementary School (elementary), Mulberry Middle School (middle), Mulberry Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LAKELAND HOMES AND REALTY, LLC · Belinda Cress. MLS #L4964723.
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.
Never miss a listing
New Mulberry homes, in your inbox
Like 4220 HOWELL LANE but not quite? A daily digest of every new listing in Mulberry — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Frederick to ping you on any price or status change →