186 MANDOLIN DRIVE, LAKE PLACID, FL, 33852
Active25 days on marketListed Aug 26, 2026MLS #O6436482
About this home
186 MANDOLIN DRIVE
Welcome to **186 Mandolin Dr, Lake Placid**, located in the beautiful **Sun ’n Lake community**, where Florida living meets an active, relaxed lifestyle. This property is an excellent opportunity for anyone looking to enjoy the best of Central Florida, whether as a full-time residence, seasonal getaway, or investment. Residents of Sun ’n Lake enjoy an impressive selection of amenities, including a **private community park, beach, pickleball courts, clubhouse, and boat ramp**. Spend your days enjoying the sunshine, relaxing by the water, getting active on the courts, or meeting neighbors and friends at the clubhouse. Lake Placid is known as the **“Town of Murals”** and offers an abundance of outdoor recreation and small-town charm. Nearby activities include boating, fishing, swimming, golfing, hiking, nature trails, parks, and exploring the area’s many freshwater lakes. Enjoy a day at **Lake Placid, Lake June, or Lake Grassy**, or take a short drive to local restaurants, shops, and downtown attractions. For golf enthusiasts, the Sun ’n Lake area offers convenient access to golf courses, while nature lovers can explore **Highlands Hammock State Park**, one of Florida’s oldest state parks, located nearby. With its desirable Sun ’n Lake location and access to fantastic community amenities, **186 Mandolin Dr offers the opportunity to enjoy the laid-back Florida lifestyle in beautiful Lake Placid.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
2,226
Sqft
0.22 ac
Lot size
1
Garage
1977
Year built
One
Levels
$287
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.
$3,887 /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
$3,887/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.
$/sqft vs Lake Placid actives
$287 vs $195
Days on market
25 vs 57 typical
Where $287/sqft sits among the 45 Lake Placid 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 Lake Placid
Get to know Lake Placid. See the full Lake Placid guide →
LAKE PLACID 33852 — neighborhood snapshot
Population
21,630
Median age
54.8
Median income
$54,841
Median home value
$205,800
Avg household
2.16
Households w/ children
1,979
For the school run
Highlands County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lake Placid market
$315K → $335K
Lake Placid median sold, yr/yr
95.2%
Sale-to-list ratio (12 mo)
24 of 45
Lake Placid actives have cut their price
Median sold price, Lake Placid, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4160% above the LAKE PLACID 33852 median. See the full Lake Placid market guide →
Paper trail
This home's history
Reality check
What actually sold near 186 MANDOLIN DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$420,000
714 S SUN N LAKES BOULEVARD · same community
3 bd · 2.5 ba · 1,953 sqft · $215/sqft · 0 DOM
Sold · Aug ’26$194,000
244 VIENNA AVENUE · same community
2 bd · 2 ba · 1,793 sqft · $108/sqft · 17 DOM
Sold · Jun ’26$265,000
189 AUTUMN AVENUE · same community
3 bd · 2 ba · 1,695 sqft · $156/sqft · 47 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 186 MANDOLIN DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 186 MANDOLIN DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
186 MANDOLIN DRIVE FAQs
What would the monthly payment be for 186 MANDOLIN DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,887/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 186 MANDOLIN DRIVE?+
The most recent tax bill on record (2025) was $473. 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 Lake Placid?+
At $639,000, this home is listed about 132% above the Lake Placid median of $275,000. The market section on this page shows how the area is trending.
Which schools are assigned to 186 MANDOLIN DRIVE?+
Lake Placid Middle School (middle), Lake Placid High School (high), Lake Placid Elementary School (elementary) — Highlands 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
$639,000 runs 4160% above the LAKE PLACID 33852 median — but at 2,226 sqft it's also nearly twice the size of the typical Lake Placid listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Strong assigned schools
Lake Placid Middle School, Lake Placid High School, Lake Placid Elementary School — Lake Placid Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of TRUDEALS REALTY CORP · Candace Garber. MLS #O6436482.
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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