Kat Bonelli
Pending
$539,9004 bd2 ba2,315 sqft$233 /sqft$3,690 /mo all-in ↓

3119 BLACKWATER OAKS WAY, MULBERRY, FL, 33860

Pending19 days on marketListed Jul 23, 2026MLS #TB8532341

WaterfrontPrivate poolSingle Family ResidenceBLACKWATER OAKS

About this home

3119 BLACKWATER OAKS WAY

YOUR SEARCH IS OVER!! Welcome to 3119 Blackwater Oaks Way, an impeccably maintained WATERFRONT – POOL & SPA home showcasing breathtaking lake views, SITS ON A 1/3rd ACRE LOT, has EXTENSIVE UPGRADES, and exceptional outdoor living. Situated in the established Blackwater Oaks community, this home offers the added benefit of low HOA dues and NO CDD fees. Built in 2008, the spacious four-bedroom, two-bath residence features 2,315 square feet of living space, a two-car garage, beautifully manicured landscaping with decorative curbing, and an extended concrete parking pad for additional vehicles. A walkway leads to the elegant glass front door with sidelights. Inside, you are welcomed by soaring ceilings, beautiful staggered tile flooring, crown molding, upgraded lighting, and custom finishes throughout. The formal living room, currently used as an office, is located to the left of the entry, while the formal dining room sits to the right. The spacious family room features a large picture window showcasing the pool and stunning water views. The adjoining dinette offers additional windows overlooking the lake and a glass door leading to the screened patio. The kitchen is ideal for both everyday living and entertaining, featuring beautiful cabinetry topped with crown molding, stainless steel appliances, a French-door refrigerator, tiled backsplash, undermount sink, breakfast-bar seating, and a closet pantry. The private primary suite is generously sized and features a large double window with peaceful water views, along with separate walk-in closets. The beautifully remodeled primary bathroom includes two granite-topped vanities with vessel sinks, upgraded fixtures, a custom linen cabinet, and an impressive walk-in tiled shower with sliding glass doors, a built-in bench, and dual showerheads. Three additional bedrooms are located on the opposite side of the home and share a fully remodeled guest bathroom with a double vanity and vessel sinks. A hallway storage area with built-in shelving provides even more convenient storage. The laundry room includes the washer and dryer, and faux-wood blinds are featured throughout the home. Step outside and experience your own private waterfront retreat. The expansive screened enclosure includes a large covered porch with two ceiling fans, an extended entertaining area, and a heated pool and spa installed in 2019. Travertine tile surrounds the pool, while a playful dolphin water feature adds charm and character. The fully fenced backyard is beautifully landscaped and includes decorative curbing, a large storage shed with electricity, and a private outdoor shower with an InstaHot water system. One of the few homes in the area with a seawall, this property offers truly exceptional lake views from nearly every room along the back of the home. Additional highlights include a roof replaced in 2020, low HOA dues, and no CDD fees. This one-of-a-kind waterfront home combines elegance, comfort, and resort-style living in an unforgettable setting.

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

2,315

Sqft

0.34 ac

Lot size

2

Garage

2008

Year built

One

Levels

$233

Per sqft

Private poolWaterfrontWater viewPets allowed

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · High Ceilings · Solid Wood Cabinets · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesSouth
ParkingDriveway · Garage Door Opener
ExteriorIrrigation System · Sidewalk

Community & fees

HOA fee$50/mo
Taxes (2025)$755/yr
PetsYes

Utilities & systems

UtilitiesElectricity Connected · Public · Sewer Connected · Underground Utilities · Water Connected
WaterPublic

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.

$3,690 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,178
FHA mortgage insurance (est.)$239
Property tax — 2025 actual bill$63
HOA fee — from the listing$50
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,897Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $18,897
Interest rate6.00%
Loan term

Estimated payment

$3,690/mo

Principal & interest$3,178
FHA mortgage insurance (est.)$239
Property taxes (actual bill)$63
HOA / condo fee$50
Est. insurance$160

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.

List $540K
$394KedgeAI estimate $468,763 · range $411K$518K$561K

vs edgeAI estimate

+15.2%

$/sqft vs Mulberry actives

$233 vs $186

Days on market

19 vs 32 typical

Where $233/sqft sits among the 88 Mulberry actives

11
8
21
19
19
10 · this home
$115–136$136–157$157–178$178–199$199–220$220+

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 Imperial Lakes

Map of 3119 BLACKWATER OAKS WAY inside its neighborhood boundary

Drive times from this address

Downtown Tampa49 min
Tampa Int’l Airport (TPA)61 min
Walt Disney World62 min
Universal Orlando72 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Mulberry. See the full Mulberry guide →

Imperial Lakes — neighborhood snapshot

Population

5,339

Median age

39

Median income

$78,610

Median home value

$285,515

Avg household

3

Households w/ children

616

For the school run

Polk County School District

ElementaryJames W. Sikes Elementary School★★★★★
HighMulberry Senior High School★★★★
MiddleMulberry Middle School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Mulberry market

Seller’s marketLeans seller4.2 months of inventoryBuyer’s market

$300K$285K

Mulberry median sold, yr/yr

97.4%

Sale-to-list ratio (12 mo)

46 of 88

Mulberry actives have cut their price

Median sold price, Mulberry, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 89% above the MULBERRY 33860 median. See the full Mulberry market guide →

Paper trail

This home's history

Jul 23, 2026Listed at $539,900 · 19 days on market since
2008Built · BLACKWATER OAKS

Reality check

What actually sold near 3119 BLACKWATER OAKS WAY

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2933 BLACKWATER OAKS DRIVESold · Jun ’26

$475,000

2933 BLACKWATER OAKS DRIVE · same community

4 bd · 3 ba · 2,283 sqft · $208/sqft · 329 DOM

3167 BLACKWATER OAKS WAYSold · Jul ’26

$460,000

3167 BLACKWATER OAKS WAY · same community

4 bd · 2.5 ba · 2,388 sqft · $193/sqft · 18 DOM

2932 BLACKWATER OAKS DRIVESold · Apr ’26

$415,000

2932 BLACKWATER OAKS DRIVE · same community

4 bd · 3 ba · 2,673 sqft · $155/sqft · 33 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.

Kat Bonelli

Your agent

Kat Bonelli

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3119 BLACKWATER OAKS WAY — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3119 BLACKWATER OAKS WAY — 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.

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Straight answers

3119 BLACKWATER OAKS WAY FAQs

What would the monthly payment be for 3119 BLACKWATER OAKS WAY?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,690/mo — principal and interest, the actual property-tax bill, the $50/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 3119 BLACKWATER OAKS WAY?+

The association fee works out to $50 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 3119 BLACKWATER OAKS WAY?+

The most recent tax bill on record (2025) was $755. 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 3119 BLACKWATER OAKS WAY?+

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 Mulberry?+

At $539,900, this home is listed about 81% above the Mulberry median of $299,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3119 BLACKWATER OAKS WAY?+

James W. Sikes Elementary School (elementary), Mulberry Senior High School (high), Mulberry Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of ASSIST 2 SELL THE ESHACK TEAM · Aaron Eshack. MLS #TB8532341.

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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