CENTURY 21 Edge
$20,000≈$334 /mo all-in ↓

612 PANDORA DR, INDIAN LAKE ESTATES, FL, 33855

Active35 days on marketListed Sep 7, 2026MLS #O6437126

✦ Priced 95% below the Indian Lake Estates median

About this home

612 PANDORA DR

Build your lovely home and enjoy this beautiful and peaceful location at Indian Lake Estates, this lot is 1/2 an acre, large enough for an in ground pool, garden and much more. In this community there is entertainment for the entire family from fishing in one of the largest freshwater lakes in Florida called Walk in Water, there is golf course, tennis courts, Fitness center, restaurant, ballroom and much more. Don’t miss the opportunity to own this excellent lot close to Disney, Tampa, Universal and Orlando

Facts & features

The home at a glance

0.5 ac

Lot size

Pets allowed

Inside

Outside & construction

Community & fees

HOA fee$33/mo
Taxes (2025)$176/yr
PetsYes

Utilities & systems

UtilitiesOther
WaterWell Required

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.

$334 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$118
FHA mortgage insurance (est.)$9
Property tax — 2025 actual bill$15
HOA fee — from the listing$33
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $700Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

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Run your own numbers

Loan type
Down payment3.5% · $700
Interest rate6.00%
Loan term

Estimated payment

$334/mo

Principal & interest$118
FHA mortgage insurance (est.)$9
Property taxes (actual bill)$15
HOA / condo fee$33
Est. insurance$160

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.

The numbers that matter

The Indian Lake Estates market

Seller’s marketBalanced — 6.9 months of inventoryBuyer’s market

$327K → $280K

Indian Lake Estates median sold, yr/yr

96.7%

Sale-to-list ratio (12 mo)

Median sold price, Indian Lake Estates, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 95% below the Indian Lake Estates median. See the full Indian Lake Estates market guide →

Paper trail

This home's history

Sep 7, 2026Listed at $20,000 · 35 days on market since

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.

Donna Layton

Your agent

Donna Layton

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 612 PANDORA DR — start here.

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donna.layton@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 612 PANDORA DR — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

612 PANDORA DR FAQs

What would the monthly payment be for 612 PANDORA DR?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $334/mo — principal and interest, the actual property-tax bill, the $33/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 612 PANDORA DR?+

The association fee works out to $33 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 612 PANDORA DR?+

The most recent tax bill on record (2025) was $176. 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 612 PANDORA DR?+

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 Indian Lake Estates?+

At $20,000, this home is listed about 95% below the Indian Lake Estates median of $365,000. The market section on this page shows how the area is trending.

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Listing courtesy of PREMIUM PROPERTIES R.E SERVICE · Yolanda Barker. MLS #O6437126.

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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612 PANDORA DR, INDIAN LAKE ESTATES, FL — $20,000 | CENTURY 21 Edge