105 days on market (MLS)Single Family Residence▼ Price cut: $5,000 (9/29)
$355,000
3-Bedroom Pool Home in INDIAN LAKE ESTATES
8433 Limonia Drive, Indian Lake Estates, FL 33855
Single Family Residence in INDIAN LAKE ESTATES · No CDD on record
INDIAN LAKE ESTATES · Indian Lake Estates, FL 33855 · Polk County
Listing data updated October 3, 2026 · refreshed hourly
3Bedrooms
2Bathrooms
2,060Sq Ft
1979Year Built
$172Per Sq Ft
Private poolNo CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
13% below
$/sq ft vs community
$172 here vs $197 median sold (12 mo)
Buyer leverage
Balanced market
105 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~84 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 3, 2026, 8433 Limonia Drive in Indian Lake Estates is listed at $355,000 (2,060 sq ft, about $172 per sq ft). That is 35% below Indian Lake Estates's median closed sale of $550,000 over the last 12 months (49 recorded sales). Per square foot it is below the community's recent $197/sq ft by about 13%. It has been 105 days on market. Listing facts: built in 1979, a private pool, HOA dues of $33/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1979 · 47 yrs
2,060 sq ft of living area
105 days on market
HOA $33/mo (per listing)
Listing description
About this home
2000 SQUARE FOOT POOL HOME on corner lot with no neighbors! Bring all your TOYS. There's plenty of room.
This 13' x 26' pool home has everything you WANT and everything you NEED: Three nice-sized bedrooms and two bathrooms; a living room and family room with fireplace; a dining space just off the kitchen; a bonus room for office, den, or workout space; an inside laundry room with storage; a covered back porch for outdoor gatherings; a pool with spa; a tall RV carport and 11'11" X 20' shed, LP tank with GENERAC whole house generator -- all located on a quiet corner lot, about a mile from the clubhouse. SELLERS HAVE TRANSFERABLE HOME WARRANTY WITH AMERICAN HOME SHIELD. There's plenty of space to play tag, soccer, badminton, hide & seek, croquet, or flag football on this 0.55 acre lot.
Or set up a putting green or fire pit, or both! The RV carport is out back if you need it; or just turn it into an outdoor covered 30'6" X 24'6" picnic area. Or store your ATVs!
The carport attached to the house is 25' x 20'6". There is plenty of room for all your toys on this property. But everyone will gather around the pool each day to splash around in the heat of the Florida sun, the reason we all live here!
Indian Lake Estates (ILE) borders the largest lake in Polk County, so plan on fishing from the community pier or the shoreline. The Gary-Cobb-designed golf course is public and just down the road, and there are some special benefits offered to residents. The clubhouse restaurant is open 7 days a week.
Take advantage of the putting green, tennis and pickleball courts, driving range, playground, game room and clubhouse activities when you feel like getting out of the house for a bit. There's always plenty to do. ILE is the perfect community blend of privacy and activity.
Call your agent today and schedule to see this beautiful property. ILE IS THE PLACE TO BE!
Description provided by SIGNATURE REALTY ASSOCIATES and reproduced from the MLS; not independently verified.
Listing courtesy of SIGNATURE REALTY ASSOCIATES · Listing agent: Laura Carter · 813-689-3115Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$355,000
Bed / bath3 / 2
Living area2,060 sq ft
Year built1979
Property typeSingle Family Residence
PoolYes
MLS #TB8512992
Listing status105 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~84 ft
CountyPolk
Area listings4926 active · 1553 under contract
Estimated first-year tax~$4,925/yr
CDD assessmentNone on record
HOA$33/mo
Calculated estimates
Price per sq ft$172
Estimated monthly payment$2,579
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$550,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$2,579/mo
Principal & interest $1,943/mo75%
Taxes $410/mo16%
Insurance $193/mo7%
HOA $33/mo1%
$2,579/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Polk County rate (16.19 mills, adopted 2025 millage). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $950/yr ($79/mo) — taxable value $58,169 × 16.19 mills
$3,975 more each year
(+418%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$173,380
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$231,549
Market value
$108,891
Assessed
$58,169
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Stellar MLS; millage: Polk County Property Appraiser 2025 final millage rates; Polk County School Board 2025-26 adopted millage. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$33/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~84 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for Polk County, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Inland floodingRelatively High
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windVery High
DroughtRelatively Moderate
HailRelatively Moderate
Cold waveRelatively Moderate
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · WINDSOR ISLAND RESIDENCE PH 2B
Pricing & the WINDSOR ISLAND RESIDENCE PH 2B market
How this home is priced against recent nearby sales, and where WINDSOR ISLAND RESIDENCE PH 2B has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in WINDSOR ISLAND RESIDENCE PH 2B
Each dot is a closed sale since 2022 (146 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2022–2026. This home lists at $172/sq ft.
Median sale price by year
12-month median closed price, 2022–2026.
Property timeline
This home’s history
1979BuiltPer public record
About Jun 2026Listed (per MLS)MLS reports 105 cumulative days on market as of October 3, 2026
Jul 10, 2026First seen on movewithmomentum.comObserved at $369,000
Aug 4, 2026Price cut$360,000 (-$9,000, -2.4%)
Sep 29, 2026Price cut$355,000 (-$5,000, -1.4%)
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $355,000Momentum Realty · on market 105 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
Only 2 closed sales within about 10 miles in Polk County in the last 18 months matched this home’s type and size. Fewer than 3 is too few for a median, so none is shown.
Sold Sep 2025
$365,000
8958 CYPRESSWOOD DRIVE, LAKE WALES
3 / 2 bd/ba · 1,817 sq ft · $201/sq ft
Courtesy of COLDWELL BANKER REALTY · View details →
Sold Sep 2025
$312,700
4 BLUE JORDAN ROAD, FROSTPROOF
3 / 2 bd/ba · 1,505 sq ft · $208/sq ft
Courtesy of AGENT GROUP REALTY · View details →
Limited comparable data: these sales are listed for reference only. A licensed agent can prepare a property-specific comparative market analysis. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
The Messtimate™
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in Polk County in the last 18 months. Only 2 qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Want a property-specific value review? A licensed Momentum Realty agent can prepare a free comparative market analysis using the home, the lot, its condition, and the live market.
Methodology: the range would be 2,060 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 3, 2026.
Momentum Scores
Momentum Property Score
74/100
Strongest on: Affordability (100), Flood safety (95)
0 limited50100 exceptional
74/100 is strong across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area82
This home $172/sq ft vs the community 12-month median $197/sq ft.
Affordability100
List price $355,000 vs the community median $550,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~84 ft elevation. Verify the parcel with FEMA.
Insurance cost54
From FEMA Zone X and a 1979 build. Obtain a property-specific quote.
Market liquidity20
Community median 107 days on market (12-month record).
Pricing power91
Recent sales closed at about 89.8% of original asking (~10.2% below). More room below asking generally favors buyers.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $172 per square foot, about 13% below the community’s $197 median. WINDSOR ISLAND RESIDENCE PH 2B’s 12-month median sold price per square foot is $197. Median sold price per square foot is down 8.3% year over year. Confidence: Very High · 49 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent WINDSOR ISLAND RESIDENCE PH 2B sales closed near 89.8% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 4926 active listings in WINDSOR ISLAND RESIDENCE PH 2B, no CDD assessment.
Updated October 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 8433 LIMONIA DRIVE?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by SIGNATURE REALTY ASSOCIATES · MLS # TB8512992
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Keep looking
Similar homes for sale near INDIAN LAKE ESTATES
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
Lakeland Commissioners Approve Zoning Changes for Hallam Drive and Laura Road Projects
Lakeland commissioners unanimously approved zoning changes on July 20, 2026 for two projects. One rezones 17 acres at 1212 Hallam Drive for 24 single family homes on 1.5 acre lots, and the other rezones 3.87 acres at 559 Laura Road for a proposed self storage facility.
Why it matters: Rezonings clear the way for new low density housing and commercial storage in Lakeland, adding to residential lot supply and local commercial infrastructure. The project is about 22 miles west of Zz Stellar Polk Unassigned, elsewhere in Polk County.
Haines City Data Center Proposal on Hold Over Water Capacity
Texas based Cielo Digital Infrastructure has proposed a data center on Marion Road and State Road 544 East in Haines City, requesting 150,000 gallons of potable water per day. City officials say the project remains preliminary, is awaiting additional water allocation from the Southwest Florida Water Management District, and has not yet come before the commission for approval.
Why it matters: A proposed data center signals commercial and industrial interest in the Haines City area while highlighting water infrastructure limits that could shape the pace of future development. The site is about 2 miles southwest of Zz Stellar Polk Unassigned.
Hillpointe Opens Pointe Grand Apartments in Davenport
Hillpointe has begun leasing at Pointe Grand Champions Village, an approximately 445 unit apartment community at 2010 Celsius Way in Davenport. As of late June 2026 the project was about 50 percent built and had started moving in residents, featuring one bedroom cottages, two bedroom units, and three bedroom townhomes with resort style amenities.
Why it matters: A large new apartment community expands rental housing supply and adds amenity rich multifamily inventory to the Davenport market. The project is about 9 miles north of Zz Stellar Polk Unassigned, elsewhere in Polk County.
Haines City Commission Reviews Lake Eva Estates Subdivision
Haines City reviewed a preliminary plat for Lake Eva Estates, a 31 lot single family subdivision on 16.68 acres west of 10th Street South by Lake Eva. The project is zoned low density residential and includes an approved traffic study.
Why it matters: A new single family subdivision adds for sale housing supply in the Lake Eva area and reflects continued residential platting activity in Haines City. The project is about 1 mile west of Zz Stellar Polk Unassigned, elsewhere in Polk County.
Schools currently assigned to this address in Polk County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
School zoningThis address is in the Polk County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
Amenities and HOA/CDD detail on the neighborhood guide.
Before you decide
Buyer research checklist
Items worth confirming for 8433 Limonia Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1979 (47 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $33/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Polk County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Listed living area is 2,060 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $4,925/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,975 more per year than the current owner’s estimated bill (+418%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
Stellar MLS, refreshed hourly (last: October 3, 2026)
Comparable sales
Fewer than 3 defensible closed sales within about 10 miles in Polk County — no medians or automated estimate shown
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 8433 Limonia Drive and when was it built?
Per the listing record, 8433 Limonia Drive was built in 1979 and has 2,060 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 8433 Limonia Drive in?
8433 Limonia Drive is in Indian Lake Estates, Polk County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 8433 Limonia Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $33 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 8433 Limonia Drive differ from the current owner's?
The estimate on this page (about $4,925 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $3,975 more per year than the current owner’s estimated bill (+418%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 8433 Limonia Drive in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 8433 LIMONIA DRIVE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
