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$535,000

4220 HOWELL LANE, MULBERRY, FL 33860

3D Tour
Active1 days on market

Beds

4

Baths

3

Sq Ft

2,396 sq ft

Year Built

1981

Lot Size

2.51 acres

Garage

About This Property

Welcome to 4220 Howell Ln, a spacious 4-Bedroom, 3-Bath home privately tucked away at end of the road on 2.65 acres surrounded by mature trees and established landscaping. The open-concept kitchen, dining and living areas create an inviting space for everyday living and entertaining. The kitchen features newer stainless steel appliances, a 7'9" kitchen island with storage on both sides, while crown molding adds a polished finishing touch throughout the home. The split-bedroom floor plan provides added privacy. The primary suite features large sliding glass doors and an extra large shower with dual showerheads. A private office with a large walk-in closet provides valuable additional space for working from home, hobbies or storage. The dining room also features large sliding glass doors that fill the home with natural light and provide easy access to the outdoors. Step outside to the expansive concrete patio just off the kitchen and primary bedroom - perfect for cookouts, entertaining or relaxing while enjoying the large yard and peaceful setting. The property also includes a 25' x 19' car cover, a 15'x10' backyard storage shed with electricity and an additional 34'x24' concrete pad with an electrical hookup. Garden enthusiast will appreciate (four) 12'x4' above-ground garden containers, along with a mulberry tree, banana tree and grapevine, and a well maintained chicken coop with its own storage room. EXTRA LARGE CEMENT PARKING PAD AND AREA FOR BASKETBALL GOAL. Major improvements include a NEW ROOF, NEW A/C SYSTEM both less than a year old, newer double paned windows installed 2023 and a new water heater installed in 2022. Whole house re-plumbed 2022 with CPVC, installed new lights, can lights, & fixtures, new sliding glass doors. With ACREAGE, NO HOA, PRIVACY, MATURE TREES, ATTRACTIVE LANDSCAPING, GENEROUS LIVING SPACE, OUTDOOR AMENITIES and updates already completed, this property is ready to welcome its next owner!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #L4964723
StatusActive
Year Built1981
Total Rooms9
ConstructionStucco
RoofShingle
FoundationSlab
FacesNorth
SubdivisionNOT IN SUBDIVISION
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Crown Molding, Open Floorplan, Split Bedroom
FlooringCarpet, Laminate
AppliancesDishwasher, Microwave, Range, Range Hood, Refrigerator
LaundryInside, Laundry Room
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorRain Gutters, RV Hookup, Sliding Doors
Lot Size2.51 acres (109,244 sq ft)
Road SurfaceAsphalt
0

Utilities

WaterWell
SewerSeptic Tank
UtilitiesBB/HS Internet Available, Cable Connected

Parking

GarageNo

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$535,000
Annual Taxes$3,386 (2025)
FinancingCash, Conventional, FHA, USDA Loan, VA Loan
ZoningRC
Parcel #232932000000022120

Directions

Hwy 60 to Willow Oak Rd. Right onto Howell Ln then Home will be on left.

Location

4220 HOWELL LANE, MULBERRY, FL 33860

Listing Information

OfficeLAKELAND HOMES AND REALTY, LLC
ListedSeptember 1, 2026

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Home Price

$535,000

20% ($107,000)
6.75%

Loan Term

Principal & Interest$2,776
Property Tax (est.)$490
Insurance (est.)$150
Total Monthly$3,416
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How to Buy This Home

Multiple financing options available for this $535,000 home in MULBERRY.

🏛️

FHA Loan

$18,725 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$26,750 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Polk County SHIP

Varies

Income-qualifying Polk residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: September 2, 2026.

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