4390 SUN CENTER RD, MULBERRY, FL, 33860
Active3 days on marketListed Oct 22, 2026MLS #L4965946
About this home
4390 SUN CENTER RD
PRICED UNDER MARKET VALUE! Rare opportunity to own this spacious home with almost 1,800 sq ft for under 250,000! Bring your design ideas and add some TLC to turn this property into your dream estate! Selling well under market value, this large 3-bedroom, 2-bathroom split plan offers incredible bones, an exceptional Open floor plan, and great equity potential. This beautiful home has been priced accordingly, due to the need for a few cosmetic repairs. Roof is new in 2024, and house was painted just a few years ago. Additional features include large entryway, spacious kitchen with center Island, Pantry, Walk in closet in Primary bedroom, Garden tub and dual sinks in Primary Bath. Inside laundry room, sliding glass door which leads out to the fenced-In Backyard yard for pets, family, and weekend BBQs.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,786
Sqft
0.15 ac
Lot size
2010
Year built
One
Levels
$140
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.
$2,330 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$2,330/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+6.6%
$/sqft vs Mulberry actives
$140 vs $182
Days on market
3 vs 56 typical
Where $140/sqft sits among the 91 Mulberry 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.
The investor lens
Two ways this home pays
This home sits inside Festival, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$1,600/mo median
Live Mulberry rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Sundance
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Festival is a short-term-rental community. See the full guide →
Sundance — neighborhood snapshot
Population
3,020
Median age
33
Median income
$78,862
Median home value
$259,700
Avg household
3
Households w/ children
388
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 → $307K
Mulberry median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
50 of 91
Mulberry actives have cut their price
Median sold price, Mulberry, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 11% below the MULBERRY 33860 median. See the full Mulberry market guide →
Paper trail
This home's history
Reality check
What actually sold near 4390 SUN CENTER RD
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$330,000
3734 OPAL DRIVE
3 bd · 2 ba · 1,802 sqft · $183/sqft · 12 DOM
Sold · Sep ’26$290,000
3300 BAILEY ROAD
3 bd · 2 ba · 1,812 sqft · $160/sqft · 2 DOM
Sold · Jan ’26$213,000
4255 CREEKWOOD LANE UNIT 4255
3 bd · 3 ba · 1,819 sqft · $117/sqft · 96 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 4390 SUN CENTER RD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4390 SUN CENTER RD — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4390 SUN CENTER RD FAQs
What would the monthly payment be for 4390 SUN CENTER RD?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,330/mo — principal and interest, the actual property-tax bill, the $52/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 4390 SUN CENTER RD?+
The association fee works out to $52 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4390 SUN CENTER RD?+
The most recent tax bill on record (2025) was $3,507. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 4390 SUN CENTER RD be rented short-term?+
Yes — this home sits inside Festival, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 4390 SUN CENTER RD?+
The listing reports pets: Cats OK, Dogs OK. 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 Mulberry?+
At $249,900, this home is listed about 19% below the Mulberry median of $307,500. The market section on this page shows how the area is trending.
Which schools are assigned to 4390 SUN CENTER RD?+
James W. Sikes Elementary School (elementary), Mulberry Senior High School (high), Mulberry 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
01Under the MULBERRY 33860 market on paper
$249,900 is 11% below the MULBERRY 33860 median of $280,000, and at $140/sqft it sits under the Mulberry average of $191.
02Zoned for nightly rentals
Festival is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Fresh on the market
Only 3 days on market in a Mulberry market that averages 56 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of XCELLENCE · Velvet Green. MLS #L4965946.
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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