
3863 WILLOW RIDGE DRIVE, LAKELAND, FL, 33810
Pending39 days on marketListed Jun 30, 2026MLS #L4963181
About this home
3863 WILLOW RIDGE DRIVE
STOP! Why wait TO BUILD and PAY EXTRA for UPGRADES when THEY'RE ALREADY INCLUDED HERE? Because the work has already been done for you, this 2022 Highland Home offers the benefits of newer construction plus $1000's in UPGRADES you won't have to PAY FOR after CLOSING. Enjoy a landscaped corner lot with upgraded Floratam St. Augustine grass, a white vinyl privacy fence, Rain Bird irrigation, a strategically placed French drain, an upgraded front door with decorative glass and matching sidelight, upgraded exterior lighting, garage cabinetry, gutters, a whole-house filtration system, smart stainless steel appliances, upgraded high-density carpet in the primary bedroom, and other thoughtful upgrades that make this home move-in ready. Welcome to this beautifully maintained Highland Homes, perfectly situated on a desirable corner lot in the sought after Willow Ridge community. This move-in ready home offers 3(easily 4) bedrooms, 2 bathrooms, plus a versatile flex room that could easily become a 4th bedroom, home office, playroom, fitness room, or guest space. From the moment you step inside, you'll appreciate the luxury vinyl flooring and the bright, open layout designed for both everyday living and effortless entertaining. The stunning kitchen is truly the centerpiece of the home, featuring crisp white cabinetry, smart stainless steel appliances & garage door opener, a spacious walk-in pantry, and an impressive 11.5-foot-long by 39-inch-wide island with a double stainless steel sink and seating for six or more. Whether you're preparing dinner, hosting family gatherings, or enjoying your morning coffee, this space is designed to bring everyone together. The spacious primary suite provides a relaxing retreat with two walk-in closets and a beautifully appointed ensuite bath featuring a large walk-in shower with conveniently located controls, a private water closet, and plenty of room to unwind. Two additional bedrooms and a full guest bath provide comfortable accommodations for family and visitors alike. Designed with both comfort and efficiency in mind, this home includes a whole-house filtration system, a Rain Bird irrigation system to help maintain the beautifully landscaped yard, and an air handler conveniently located in the garage rather than the attic for easier access and maintenance. The 2 car garage also provides ample room for vehicles, storage, and built-in cabinetry. Step outside to the 10' x 20' covered patio, where a strategically placed French drain helps protect the outdoor living space. The private backyard is fully enclosed by a low-maintenance white vinyl privacy fence, creating the perfect setting for pets, play, outdoor entertaining, or simply relaxing while enjoying Florida's beautiful weather. The beautifully landscaped corner lot further enhances the home's curb appeal and provides plenty of space to enjoy the outdoors. Conveniently located just minutes from shopping, dining, medical facilities, the Polk Parkway, and Interstate 4, Willow Ridge offers easy access to both Tampa and Orlando while maintaining the charm of a peaceful neighborhood. Why wait months for new construction, pay extra for upgrades, and still have projects left to complete? This exceptional Highland Home is ready now, with premium upgrades already in place and an unbeatable location in one of Lakeland's most desirable communities. Schedule your private showing today and see for yourself why this home stands out from the rest.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,990
Sqft
0.16 ac
Lot size
2
Garage
2022
Year built
One
Levels
$176
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 and the real association fee — not generic estimates.
$2,686 /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
$2,686/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
−15.9%
$/sqft vs Lakeland actives
$176 vs $191
Days on market
39 vs 43 typical
Where $176/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.
Where it sits
Inside Lakeland
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
The numbers that matter
The Lakeland market
$316K → $316K
Lakeland median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
196 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 4% above the LAKELAND 33810 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 3863 WILLOW RIDGE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$321,000
3894 WILLOW RIDGE DRIVE · same community
4 bd · 2 ba · 1,627 sqft · $197/sqft · 23 DOM
Sold · Nov ’25$325,000
6843 MOSSY OAK LANE · same community
3 bd · 2 ba · 1,558 sqft · $209/sqft · 15 DOM
Sold · Mar ’26$323,000
3855 WILLOW RIDGE DRIVE · same community
3 bd · 2 ba · 1,558 sqft · $207/sqft · 122 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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3863 WILLOW RIDGE DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3863 WILLOW RIDGE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3863 WILLOW RIDGE DRIVE FAQs
What would the monthly payment be for 3863 WILLOW RIDGE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,686/mo — principal and interest, the actual property-tax bill, the $63/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 3863 WILLOW RIDGE DRIVE?+
The association fee works out to $63 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3863 WILLOW RIDGE DRIVE?+
The most recent tax bill on record (2025) was $2,976. 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 3863 WILLOW RIDGE DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 Lakeland?+
At $349,900, this home is listed about 3% above the Lakeland median of $339,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of UNITED COUNTRY SMITH & ASSOCIATES · Stacey Foskey. MLS #L4963181.
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.
Never miss a listing
New Lakeland homes, in your inbox
Like 3863 WILLOW RIDGE DRIVE but not quite? A daily digest of every new listing in Lakeland — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Darrick to ping you on any price or status change →


