823 PANDORA (BLK 217 LOT 13) DRIVE, INDIAN LAKE ESTATES, FL, 33855
Active52 days on marketListed Jul 1, 2026MLS #TB8524891
About this home
823 PANDORA (BLK 217 LOT 13) DRIVE
Each parcel in Indian Lake Estates has unique characteristics and deserves its own description. This oversized parcel is located at the corner of Pandora Road & Toronja Road. Toronja Road has not been cleared, so you have no thru traffic on that side. Polk County has been extremely flexible on permitting which direction you build your home and design your garage and driveway on corner parcels. Septic and well are required, and electric poles are in place behind the parcel. ILE has no timeline to build. Minimum square footage to build is 1350sf. Brick or block construction required for first floor. SELLER FINANCING AVAILABLE with 25% downpayment at 7% INTEREST. LIEN WILL BE PLACED AT CLOSING. The front door will face North or West, with plenty of mature trees to allow for a privacy buffer from neighbors. The roads are private, so drive your golf cart to the clubhouse for a round of golf, or to one of the restaurants in the neighborhood, or to the lake to watch the sunset. 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). The active community offers concerts, karaoke and trivia nights, weekly card games, bingo, movie nights, a book club, pickleball and tennis courts, just to name a few. Indian Lake Estates is a perfect balance of privacy and activity. MANDATORY community fee is PER YEAR and covers costs to maintain community property and private roads. Call your agent today to see this unique property. ILE IS THE PLACE TO BE!
Facts & features
The home at a glance
0.55 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.
$350 /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
$350/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 → $330K
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 14% 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 823 PANDORA (BLK 217 LOT 13) 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 823 PANDORA (BLK 217 LOT 13) DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 823 PANDORA (BLK 217 LOT 13) 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
823 PANDORA (BLK 217 LOT 13) DRIVE FAQs
What would the monthly payment be for 823 PANDORA (BLK 217 LOT 13) DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $350/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 823 PANDORA (BLK 217 LOT 13) DRIVE?+
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 823 PANDORA (BLK 217 LOT 13) DRIVE?+
The most recent tax bill on record (2025) was $149. 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 823 PANDORA (BLK 217 LOT 13) 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 $22,900, this home is listed about 94% 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 823 PANDORA (BLK 217 LOT 13) 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 #TB8524891.
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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