
3950 SUNSET LAKE DRIVE, LAKELAND, FL, 33810
Active161 days on marketListed Feb 28, 2026MLS #L4959628
About this home
3950 SUNSET LAKE DRIVE
Virtually Staged. One or more photo(s) was virtually staged Welcome to refined lakefront living in the resort-style gated community of TerraLargo, where luxury meets lifestyle. this home has FRESH PAINT inside and out, and a new AC unit. Perfectly positioned toward the back of the neighborhood on an oversized homesite with sweeping lake and conservation views, this home offers a level of privacy that’s hard to find. No rear neighbors, just peaceful water views, natural beauty, and unforgettable sunsets right from your backyard. Designed with entertaining in mind, this home truly lives like the ultimate host’s retreat. The oversized screened lanai becomes the centerpiece, large enough for everything from relaxed family get-togethers to full-blown football parties with friends. There’s room to grill, gather, lounge, and celebrate all in one seamless outdoor space. It’s not just a lanai, it’s your year-round outdoor living room. Inside, the home continues to impress. The gourmet kitchen flows seamlessly into the main living area, creating an open, inviting space that’s perfect for entertaining when the Florida heat sends the party indoors. Whether you're hosting game night or holiday dinners, the layout keeps everyone connected without ever feeling crowded, making gatherings effortless from intimate dinners to large celebrations. The primary suite is thoughtfully positioned on the opposite side of the home, offering a peaceful retreat away from the activity. Wake up to stunning lake views and enjoy private access to the lanai through elegant French doors, creating a seamless connection between indoor comfort and outdoor serenity. The en-suite bath feels like a personal spa, complete with dual vanities, a dedicated makeup area, a relaxing garden tub, and a separate walk-in shower. The oversized walk-in closet is truly impressive, featuring a window for natural light and so much space it could easily double as a dressing room or even a small private office if desired. It’s a true private escape at the end of the day. Recently painted inside and out, the home feels fresh, crisp, and completely move-in ready. A brand-new first-floor A/C unit keeps things cool and efficient, while the upgraded tankless water heater ensures endless hot water because a home built for entertaining should never run out. The flexible five-bedroom layout adapts to your lifestyle. The fifth bedroom is tucked privately upstairs and can serve perfectly as a media room, private office, fitness space, playroom, or the ultimate man cave, whatever fits your vision. And the value continues beyond the home itself. The HOA includes cable and internet, adding convenience and savings in one of Lakeland’s most sought-after gated communities. Residents enjoy resort-style amenities including a zero entry pool, clubhouse, fitness center, and basketball and tennis courts. The location is just minutes from I-4, giving you quick access to Tampa, Orlando, world-class theme parks, and Florida’s beautiful beaches. For buyers seeking a truly turnkey opportunity, the seller is open to negotiating the inclusion of select furnishings, making the transition into this exceptional home even more seamless. Luxury. Privacy. Space to entertain. A view that never gets old. This isn’t just a house, it’s the lifestyle upgrade you’ve been waiting for.
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
$160
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.
$4,240 /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
$4,240/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
$160 vs $194
Days on market
161 vs 43 typical
Where $160/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)
200 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 49% 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
Kat Bonelli
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
Pick a day that works — this goes straight to Kat's phone and CRM.
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 $4,240/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 $500,000, this home is listed about 47% above the Lakeland median of $339,000. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$500,000 runs 49% 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
161 days on market against a Lakeland median of 43 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $550,000, now $500,000 — a $50K 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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