8620 INDIAN RIDGE TRAIL, LAKELAND, FL, 33810
Active16 days on marketListed Jul 28, 2026MLS #TB8533661
About this home
8620 INDIAN RIDGE TRAIL
Welcome to this fully renovated manufactured home in Lakeland, Florida, offering modern upgrades, ultimate privacy, and incredible flexibility. Situated in Flood Zone X (no flood insurance required) with NO HOA, this turn-key property gives you the freedom to live without restrictions or extra monthly fees. Step inside to discover a completely transformed interior featuring brand-new subfloors and stylish luxury vinyl plank flooring running seamlessly throughout the entire house. The interior construction has been heavily upgraded with 5/8" fire code sheetrock walls and fresh wall insulation, providing superior durability, soundproofing, and energy efficiency. The heart of the home is the newly updated kitchen, equipped with brand-new cabinetry and sleek granite countertops. Both full bathrooms have been beautifully updated with modern finishes. Bright and airy, the home also boasts all-new windows and doors, bringing in plenty of natural light while keeping utility bills low. Outside, the property features a freshly painted exterior and a massive, fully fenced private backyard—perfect for pets, entertaining, or creating your own outdoor oasis. A large storage shed offers extra space for tools, toys, or workshop projects. Bonus Feature: The property includes an ADU (Accessory Dwelling Unit) with its own separate entrance. Whether you need an in-law suite, a private home office, a guest retreat, or a potential rental income generator, this versatile space adds immense value.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,152
Sqft
0.35 ac
Lot size
1990
Year built
One
Levels
$204
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.
$1,826 /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
$1,826/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.
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
+14.1%
$/sqft vs Lakeland actives
$204 vs $193
Days on market
16 vs 44 typical
Where $204/sqft sits among the 400 Lakeland 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.
The investor lens
Two ways this home pays
This home sits inside Indian Ridge, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$1,800/mo median
Live Lakeland rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Indian Ridge
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Indian Ridge is a short-term-rental community. See the full guide →
The numbers that matter
The Lakeland market
$316K → $320K
Lakeland median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
211 of 400
Lakeland actives have cut their price
Median sold price, Lakeland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 30% below the LAKELAND 33810 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 8620 INDIAN RIDGE TRAIL
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$234,000
326 SAN MIGUEL STREET · same community
3 bd · 2 ba · 1,032 sqft · $227/sqft · 6 DOM
Sold · Jun ’26$223,000
328 SAN MIGUEL STREET UNIT 328 · same community
3 bd · 2 ba · 1,032 sqft · $216/sqft · 98 DOM
Sold · Nov ’25$219,000
418 SAN GABRIEL STREET UNIT 418 · same community
2 bd · 1 ba · 759 sqft · $289/sqft · 8 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 8620 INDIAN RIDGE TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8620 INDIAN RIDGE TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8620 INDIAN RIDGE TRAIL FAQs
What would the monthly payment be for 8620 INDIAN RIDGE TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,826/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 8620 INDIAN RIDGE TRAIL?+
The most recent tax bill on record (2025) was $2,144. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 8620 INDIAN RIDGE TRAIL be rented short-term?+
Yes — this home sits inside Indian Ridge, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
How does the price compare to other homes in Lakeland?+
At $235,000, this home is listed about 30% below the Lakeland median of $337,900. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of JASON MITCHELL REAL ESTATE FLO · Daniel Gongora, LLC. MLS #TB8533661.
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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