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$625,000

3101 LAKE LOWERY ROAD, HAINES CITY, FL 33844

3D Tour
Active95 days on market

Beds

4

Baths

3

Sq Ft

2,516 sq ft

Year Built

1990

Lot Size

11.03 acres

Garage

2

About This Property

"Back on the market, buyer's financing fell through" Price Improvement. Nestled on more than 11 acres of picturesque natural beauty, this beautiful 5-bedroom, 3-bath pool residence exemplifies traditional architecture while presenting awe-inspiring waterfront panoramas, the moment you enter the refined foyer, the enchanting lake views unfold, invoking an immediate sense of tranquility. The family room is graced by a welcoming wood-burning fireplace with a stone facade, enhanced by laminate flooring and lofty vaulted ceilings. The galley-style kitchen is impeccably designed, featuring modern look cabinetry, a convenient closet pantry, stainless steel appliances, and granite countertops. The charming breakfast nook offers mesmerizing lakefront views through sliding glass doors. The freshly painted dining room provides access to the patio. Upstairs, the generously proportioned master bedroom suite offers a sitting area overlooking Lake Lowery, dual closets, and a private bath. Additionally, there's a guest bedroom and bath thoughtfully located on the first floor. This home is replete with amenities, including ample closet space, fresh interior paint, updated light fixtures, recently installed wood laminate flooring, a water softener system, new saltwater filter in 2026, a loft-style shed, a chicken coop, a brick exterior facade, a screened lanai, a private gated driveway. Notably, this exceptional property features a sprawling pool area, ideal for hosting family gatherings. The expansive 11+ acre lot is predominantly wooded for added privacy and boasts a sandy beach area. The two AC units were replaced in 2022 and 2023. There are no HOA restrictions, offering the flexibility to tailor the property to your unique lifestyle and preferences.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #O6400161
StatusActive
Year Built1990
Total Rooms8
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesNorth
SubdivisionN/A
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCathedral Ceiling(s), Ceiling Fan(s), Eating Space In Kitchen, PrimaryBedroom Upstairs, Stone Counters, Walk-In Closet(s)
FlooringCarpet, Ceramic Tile, Laminate
AppliancesDishwasher, Microwave, Range, Refrigerator, Water Filtration System
LaundryIn Garage
CoolingCentral Air
HeatingCentral, Electric
FireplaceYes ()
SecuritySecurity System Leased

Exterior & Lot

ExteriorCourtyard, Dog Run, Fire Pit, French Doors, Irrigation System, Lighting, Storage
Lot Size11.03 acres (480,297 sq ft)
Lot FeaturesIn County, Oversized Lot
Road SurfaceAsphalt
ViewTrees/Woods, Water

Pool & Spa

Private PoolYes
Pool FeaturesIn Ground, Screen Enclosure

Waterfront

WaterfrontYes
FeaturesLake Front

Utilities

WaterPrivate, Well
SewerSeptic Tank
UtilitiesCable Connected, Electricity Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$625,000
Original Price$840,000
Annual Taxes$5,860 (2025)
FinancingCash, Conventional, FHA
Parcel #262714000000011020

Directions

GPS address: 4020 Pine Lane Haines City Polk City Rd, turn south on to Lake Lowery Rd, turn left on to Pine Lane. Home is located at the end of the road, left side.

Location

3101 LAKE LOWERY ROAD, HAINES CITY, FL 33844

Listing Information

OfficeMNT INTERNATIONAL
ListedJune 5, 2026

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Home Price

$625,000

20% ($125,000)
6.75%

Loan Term

Principal & Interest$3,243
Property Tax (est.)$573
Insurance (est.)$150
Total Monthly$3,966
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How to Buy This Home

Multiple financing options available for this $625,000 home in HAINES CITY.

🏛️

FHA Loan

$21,875 Down

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

🏦

Conventional

$31,250 Down

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

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: October 1, 2026.

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