86 PINE FOREST LANE, HAINES CITY, FL, 33844
Active6 days on marketListed Oct 5, 2026MLS #L4965510
About this home
86 PINE FOREST LANE
Welcome to this beautifully updated 4-bedroom, 2-full-bath, 2-half-bath pool home situated on an oversized 0.62-acre lot in the desirable Spring Pines community of Haines City. Designed for both comfortable living and entertaining, this spacious home offers an inviting floor plan, a cozy fireplace, generous living areas, and plenty of room for family and guests. Major improvements include a new A/C system installed in 2026 and a roof replaced in 2021. Step outside to your own private retreat featuring a sparkling sport pool and an expansive entertainment area perfect for swimming, games, cookouts, pool parties, or relaxing Florida evenings. A separate 432-square-foot air-conditioned detached garage and workshop provides exceptional flexibility and could be used as a game room, movie room, private office, home gym, hobby space, or additional storage. The oversized property also provides abundant parking for multiple vehicles, a boat, or recreational equipment. With its updated interior, flexible bonus space, impressive outdoor living area, block construction, and peaceful setting in a well-established community, this unique property offers the space and lifestyle buyers have been searching for. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,831
Sqft
0.62 ac
Lot size
2
Garage
1997
Year built
One
Levels
$219
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.
$4,051 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,051/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−5.6%
$/sqft vs Haines City actives
$219 vs $171
Days on market
6 vs 69 typical
Where $219/sqft sits among the 399 Haines City 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 Spring Pines
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Haines City. See the full Haines City guide →
Spring Pines — neighborhood snapshot
Population
356
Median age
55
Median income
$75,417
Median home value
$346,300
Avg household
2
Households w/ children
23%
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Haines City market
$319K → $305K
Haines City median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
206 of 399
Haines City actives have cut their price
Median sold price, Haines City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 119% above the HAINES CITY 33844 median. See the full Haines City market guide →
Paper trail
This home's history
Reality check
What actually sold near 86 PINE FOREST LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$430,000
3536 PINE TREE LOOP · same community
3 bd · 2 ba · 2,145 sqft · $200/sqft · 56 DOM
Sold · Aug ’26$411,000
64 PINE FOREST DRIVE · same community
3 bd · 2.5 ba · 2,128 sqft · $193/sqft · 140 DOM
Sold · Jun ’26$324,900
8723 HILL PINE ROAD · same community
3 bd · 2 ba · 1,528 sqft · $213/sqft · 7 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 86 PINE FOREST LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 86 PINE FOREST LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
86 PINE FOREST LANE FAQs
What would the monthly payment be for 86 PINE FOREST LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,051/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 86 PINE FOREST LANE?+
The most recent tax bill on record (2025) was $3,753. 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 86 PINE FOREST LANE?+
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 Haines City?+
At $620,000, this home is listed about 101% above the Haines City median of $309,000. The market section on this page shows how the area is trending.
Which schools are assigned to 86 PINE FOREST LANE?+
Sandhill Elementary School (elementary), Haines City Senior High School (high), Shelley S. Boone Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$620,000 runs 119% above the HAINES CITY 33844 median — but at 2,831 sqft it's also 61% larger than the typical Haines City listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 6 days on market in a Haines City market that averages 69 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY SMART 1 · Sam Daniels. MLS #L4965510.
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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