713 (BLK 123 LOTS 15&16) CAMELLIA DRIVE, INDIAN LAKE ESTATES, FL, 33855
Active114 days on marketListed Apr 29, 2026MLS #TB8502540
About this home
713 (BLK 123 LOTS 15&16) CAMELLIA DRIVE
Each parcel in Indian Lake Estates has unique characteristics and deserves its own description. This ACRE lot is your perfect off-grid property! Pay electric only and dig well and install septic, for a low maintenance home. This rare listing is for two lots together, for a total of 1 acre. There is plenty of room to build a house (you can even keep the lots separated and build one for you and one for a friend!) and have a tree buffer on both sides of your home for privacy. The property faces NORTH, so you will have cool days since the sun rises and sets over the house, not in the front or back. The roads are private, so drive your golf cart to the clubhouse for a round of golf. Pay your ANNUAL community licensing fee for 2026 of $396.27 per parcel to help maintain community amenities, and you can play the 3-par, 9-hole executive course for free EVERY DAY. The primary 18-hole course is designed by Gary Cobb and is public and affordable. As you begin to plan your future in Florida, consider living a serene and private life in this neighborhood of Indian Lake Estates (informally, ILE). But don’t think it is all sunsets. The active community offers concerts, karaoke and trivia nights, weekly card games, bingo, movie nights, a book club, and pickleball and tennis courts, just to name a few. The community clubhouse also has a restaurant open 7 days a week, complete with bar. There is an additional bakery/eatery in the community, along with storage facilities in the commercial district. Indian Lake Estates is a perfect balance of privacy and activity. Call your agent and builder today and start planning!
Facts & features
The home at a glance
1 ac
Lot size
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.
$490 /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
$490/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.
Where it sits
Inside Indian Lake Estates
Get to know Indian Lake Estates. See the full Indian Lake Estates guide →
INDIAN LAKE ESTATES 33855 — neighborhood snapshot
Population
33
Median age
68.1
Avg household
1.94
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Indian Lake Estates 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 90% above the INDIAN LAKE ESTATES 33855 median. See the full Indian Lake Estates market guide →
Paper trail
This home's history
Reality check
What actually sold near 713 (BLK 123 LOTS 15&16) CAMELLIA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$90,000
3500 ORCHID DRIVE · same community
2 bd · 1 ba · 950 sqft · $95/sqft · 5 DOM
Sold · Mar ’26$65,000
3771 INDIAN LAKE DRIVE · same community
3 bd · 1 ba · 998 sqft · $65/sqft · 0 DOM
Sold · Nov ’25$229,850
3601 PARK AVENUE · same community
2 bd · 2 ba · 1,030 sqft · $223/sqft · 34 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 713 (BLK 123 LOTS 15&16) CAMELLIA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 713 (BLK 123 LOTS 15&16) CAMELLIA DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
713 (BLK 123 LOTS 15&16) CAMELLIA DRIVE FAQs
What would the monthly payment be for 713 (BLK 123 LOTS 15&16) CAMELLIA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $490/mo — principal and interest, the actual property-tax bill, the $66/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 713 (BLK 123 LOTS 15&16) CAMELLIA DRIVE?+
The association fee works out to $66 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 713 (BLK 123 LOTS 15&16) CAMELLIA DRIVE?+
The most recent tax bill on record (2025) was $285. 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 713 (BLK 123 LOTS 15&16) CAMELLIA 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 Indian Lake Estates?+
At $38,000, this home is listed about 90% below the Indian Lake Estates median of $370,450. The market section on this page shows how the area is trending.
Which schools are assigned to 713 (BLK 123 LOTS 15&16) CAMELLIA DRIVE?+
Frostproof Ben Hill Griffin Junior Elementary School (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of SIGNATURE REALTY ASSOCIATES · Laura Carter. MLS #TB8502540.
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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