4081 DUNMORE DRIVE, LAKE WALES, FL, 33859
Active279 days on marketListed Jan 6, 2026MLS #S5141060
About this home
4081 DUNMORE DRIVE
RARE 2.5% ASSUMABLE VA LOAN OPPORTUNITY! Qualified buyers may have the opportunity to assume the seller’s existing VA loan at an exceptionally low 2.5% interest rate, subject to lender and VA approval. Ask for details about the assumption process and current loan balance. Experience peaceful waterfront living in Lake Ashton, a guard-gated 55+ community offering an exceptional resort-style lifestyle. Situated on a prime waterfront lot just moments from the community’s extensive amenities, this beautifully maintained 3-bedroom, 2-bath home with a separate office offers tranquil water views from the main living areas, bedrooms, and expansive enclosed lanai. Inside, you’ll find new luxury vinyl plank flooring throughout, freshly painted interiors, high ceilings, crown molding accents, abundant natural light, and a thoughtfully designed split-bedroom floor plan offering added privacy. The spacious kitchen features 42-inch cabinetry, quartz countertops, and newer appliances, and opens seamlessly to the main living and entertaining areas. One of the home’s standout features is the expansive enclosed lanai, extending nearly the full width of the home and overlooking the water. Equipped with acrylic windows, pull-down shades, and a newly installed split-system AC, this inviting space can be enjoyed comfortably throughout the year while taking in the peaceful waterfront setting. Additional features include leased solar panels at approximately $108 per month, with reported TECO electric bills of approximately $5–$25 per month, a whole-home water filtration system, upgraded insulation, rain gutters, Grid-Loc garage flooring, and more. Lake Ashton residents enjoy an impressive collection of amenities, including two 18-hole golf courses, clubhouses, fitness centers, swimming pools, a movie theater, bowling alley, craft rooms, bocce ball, and a wide variety of activities and social opportunities. With its waterfront setting, extensive upgrades, resort-style community amenities, and the potential opportunity to assume an existing 2.5% VA loan, this home offers a combination that is increasingly difficult to find.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,027
Sqft
0.15 ac
Lot size
2
Garage
2002
Year built
One
Levels
$193
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.
$2,637 /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
$2,995/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
+10.9%
$/sqft vs Lake Wales actives
$193 vs $167
Days on market
279 vs 84 typical
Where $193/sqft sits among the 381 Lake Wales 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 Ashton
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lake Wales. See the full Lake Wales guide →
Lake Ashton — neighborhood snapshot
Population
3,278
Median age
62
Median income
$75,204
Median home value
$304,700
Avg household
2
Households w/ children
115
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lake Wales market
$275K → $249K
Lake Wales median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
177 of 381
Lake Wales actives have cut their price
Median sold price, Lake Wales, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 49% above the LAKE WALES 33859 median. See the full Lake Wales market guide →
Paper trail
This home's history
Reality check
What actually sold near 4081 DUNMORE 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$349,000
4016 DUNMORE DRIVE · same community
3 bd · 2 ba · 2,120 sqft · $165/sqft · 57 DOM
Sold · Sep ’26$387,500
4017 DUNMORE DRIVE · same community
3 bd · 2 ba · 1,928 sqft · $201/sqft · 29 DOM
Sold · Feb ’26$570,000
4172 DUNMORE DRIVE · same community
3 bd · 2 ba · 2,284 sqft · $250/sqft · 75 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4081 DUNMORE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4081 DUNMORE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4081 DUNMORE DRIVE FAQs
What would the monthly payment be for 4081 DUNMORE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,637/mo — principal and interest, estimated property taxes, the $5/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 4081 DUNMORE DRIVE?+
The association fee works out to $5 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4081 DUNMORE DRIVE?+
The most recent tax bill on record (2024) was $0. 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 4081 DUNMORE 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 Lake Wales?+
At $390,500, this home is listed about 59% above the Lake Wales median of $245,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4081 DUNMORE DRIVE?+
Chain Of Lakes Elementary School (elementary), Lake Region High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$390,500 runs 49% above the LAKE WALES 33859 median — but at 2,027 sqft it's also 39% larger than the typical Lake Wales listing.
02Golf Course & Trees/Woods & Water views
The golf course and trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
279 days on market against a Lake Wales median of 84 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $405,000, now $390,500 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MAZELG REALTY · Mary Sorrell. MLS #S5141060.
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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