
3950 SUNSET LAKE DRIVE, LAKELAND, FL, 33810
Active170 days on marketListed Feb 28, 2026MLS #L4959628
About this home
3950 SUNSET LAKE DRIVE
Virtually Staged. Welcome to TerraLargo, one of Lakeland's most popular gated communities, where this home offers something that's getting harder to find: privacy, space, and a beautiful lake view without giving up the convenience of being close to everything. Tucked toward the back of the community, this home sits on an oversized homesite with no rear neighbors. Instead, you'll look out over the lake and conservation area, with beautiful sunsets right from your backyard. It's the kind of view that makes you want to slow down at the end of the day and sit outside for a while. The home has also had some important updates, including fresh interior and exterior paint and a brand-new first-floor A/C unit, so it's move-in ready and doesn't feel like you're walking into a project. One of my favorite features is the oversized screened-in lanai. There is a ton of room out here, whether you're having a few friends over for dinner, watching a football game, grilling with the family, or just enjoying a quiet morning overlooking the water. It really adds another living space to the home and makes the most of the Florida lifestyle. Inside, the open kitchen and living area give the home a great flow. The kitchen opens directly into the main living space, so you're not stuck in the kitchen while everyone else is enjoying themselves. It's a layout that works just as well for everyday family life as it does for entertaining. The primary suite is tucked away on the opposite side of the home, giving you a little separation from the rest of the house. It overlooks the lake and has French doors leading directly to the screened lanai. The primary bathroom features dual vanities, a dedicated makeup area, garden tub and separate walk-in shower. The walk-in closet is oversized and even has its own window for natural light. There's enough space that it could easily work as a dressing room or even a small private office. The home also features a tankless water heater, so you don't have to worry about running out of hot water when the house is full of guests. With five bedrooms, there's plenty of flexibility depending on what you need. The fifth bedroom is upstairs and tucked away from the rest of the living space, making it a great option for a home office, media room, gym, playroom or private guest space. And then there's TerraLargo itself. The HOA includes cable and internet, and residents have access to a zero-entry pool, clubhouse, fitness center, basketball courts and tennis courts. You're also just minutes from I-4, making trips to Tampa, Orlando, the theme parks and Florida's beaches convenient. At the end of the day, what really makes this home stand out is the combination of the lake and conservation views, oversized homesite, privacy, flexible floor plan and the outdoor living space. You can have a big family gathering on the lanai one weekend and spend a quiet evening watching the sunset the next. That's the part of Florida living that makes this home special.
Facts & features
The home at a glance
5
Bedrooms
3.5
Bathrooms
3,125
Sqft
0.32 ac
Lot size
3
Garage
2014
Year built
Two
Levels
$158
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.
$4,208 /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
$4,208/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.
$/sqft vs Lakeland actives
$158 vs $194
Days on market
170 vs 45 typical
Where $158/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 →
LAKELAND 33810 — neighborhood snapshot
Population
52,734
Median age
42.2
Median income
$69,738
Median home value
$245,300
Avg household
2.71
Households w/ children
5,718
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lakeland market
$316K → $323K
Lakeland median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
223 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 50% above the LAKELAND 33810 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 3950 SUNSET LAKE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$652,000
3939 SUNSET LAKE DRIVE · same community
4 bd · 3 ba · 3,221 sqft · $202/sqft · 29 DOM
Sold · Jun ’26$410,000
2250 BELLA LUNA CIRCLE · same community
4 bd · 2.5 ba · 2,888 sqft · $142/sqft · 39 DOM
Sold · Aug ’25$395,000
2317 BELLA LUNA CIRCLE · same community
4 bd · 2.5 ba · 2,592 sqft · $152/sqft · 47 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
Tyler Stoddard
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 3950 SUNSET LAKE DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3950 SUNSET LAKE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3950 SUNSET LAKE DRIVE FAQs
What would the monthly payment be for 3950 SUNSET LAKE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,208/mo — principal and interest, the actual property-tax bill, the $344/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 3950 SUNSET LAKE DRIVE?+
The association fee works out to $344 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3950 SUNSET LAKE DRIVE?+
The most recent tax bill on record (2025) was $6,854. 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 3950 SUNSET LAKE DRIVE?+
The listing reports pets: Yes. 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 $495,000, this home is listed about 46% above the Lakeland median of $339,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3950 SUNSET LAKE DRIVE?+
Sleepy Hill Middle School (middle), Sleepy Hill Elementary School (elementary), Kathleen Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$495,000 runs 50% above the LAKELAND 33810 median — but at 3,125 sqft it's also nearly twice the size of the typical Lakeland listing.
02Trees/Woods & Water views
The trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
170 days on market against a Lakeland median of 45 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $550,000, now $495,000 — a $55K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LIVE FLORIDA REALTY · Stephen Novak. MLS #L4959628.
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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