3950 SUNSET LAKE DRIVE, LAKELAND, FL, 33810
Active46 days on marketListed Sep 3, 2026MLS #L4964793
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About this home
3950 SUNSET LAKE DRIVE
Welcome to TerraLargo! Tucked toward the back of one of Lakeland’s most sought-after gated communities, this 5-bedroom home offers a rare combination of PRIVACY, SPACE, and beautiful LAKE & CONSERVATION VIEWS with NO REAR NEIGHBORS. Situated on an oversized homesite, the standout feature is the expansive screened lanai overlooking the water, creating the perfect setting for entertaining, grilling, watching the game, or simply enjoying Florida sunsets. Inside, the open kitchen flows seamlessly into the main living area, while the private primary suite offers lake views, French doors to the lanai, a spacious bath, and an oversized walk-in closet. The upstairs 5th bedroom provides excellent flexibility as a guest suite, office, media room, or gym. Fresh interior and exterior paint, a BRAND-NEW first-floor A/C, and a tankless water heater make this home truly move-in ready. TerraLargo residents enjoy resort-style amenities including a zero-entry pool, clubhouse, fitness center, basketball and tennis courts, plus cable and internet included with the HOA. Conveniently located just minutes from I-4 with easy access to Tampa and Orlando. Privacy. Lake views. Oversized homesite. Incredible outdoor living. This is Florida living at its best.
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,125
Sqft
0.32 ac
Lot size
3
Garage
2014
Year built
One
Levels
$147
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 and the real association fee — not generic estimates.
$3,987 /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
$3,987/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
−5.2%
$/sqft vs Lakeland actives
$147 vs $195
Days on market
46 vs 61 typical
Where $147/sqft sits among the 400 Lakeland 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 Lakeland
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
LAKELAND 33810 — neighborhood snapshot
Population
52,734
Median age
42.2
Median income
$69,738
Median home value
$245,300
Avg household
2.71
Households w/ children
5,718
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lakeland market
$316K → $322K
Lakeland median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
221 of 400
Lakeland actives have cut their price
Median sold price, Lakeland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 39% above the LAKELAND 33810 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 3950 SUNSET LAKE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$652,000
3939 SUNSET LAKE DRIVE · same community
4 bd · 3 ba · 3,221 sqft · $202/sqft · 29 DOM
Sold · Jun ’26$410,000
2250 BELLA LUNA CIRCLE · same community
4 bd · 2.5 ba · 2,888 sqft · $142/sqft · 39 DOM
Sold · Jun ’26$415,000
1764 ASHWORTH LOOP
6 bd · 3 ba · 3,143 sqft · $132/sqft · 2 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
Emanuel Marin Maldonado
Real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3950 SUNSET LAKE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3950 SUNSET LAKE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Emanuel's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3950 SUNSET LAKE DRIVE FAQs
What would the monthly payment be for 3950 SUNSET LAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,987/mo — principal and interest, the actual property-tax bill, the $344/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 3950 SUNSET LAKE DRIVE?+
The association fee works out to $344 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3950 SUNSET LAKE DRIVE?+
The most recent tax bill on record (2025) was $6,854. 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 3950 SUNSET 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 Lakeland?+
At $460,000, this home is listed about 39% above the Lakeland median of $330,500. The market section on this page shows how the area is trending.
Which schools are assigned to 3950 SUNSET LAKE DRIVE?+
R. Clem Churchwell Elementary School (elementary), Sleepy Hill Middle School (middle), Kathleen 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 KELLER WILLIAMS REALTY · Darren Moreno. MLS #L4964793.
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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