Eric Chery
$419,846$440,6654 bd3 ba2,200 sqft$191 /sqft$3,107 /mo all-in ↓

5409 WATERSIDE DRIVE, AUBURNDALE, FL, 33823

Active409 days on marketListed Jun 10, 2025MLS #L4953665

Reduced $21KNew constructionSingle Family ResidenceLAKE JULIANA ESTATES

About this home

5409 WATERSIDE DRIVE

This thoughtfully designed approximately 2,200 sq ft home offers 4 bedrooms, 3 full baths, and a 2-car garage, delivering a layout that balances open gathering spaces with exceptional bedroom privacy. Upon entering, you’re welcomed into an open-concept great room, dining room, and kitchen with 10’ ceilings, wood-look plank tile in main living areas, granite countertops throughout, 5¼-inch baseboards, and wainscoting in the dining room, creating a polished yet comfortable living environment. One of the most desirable features of this floorplan is its ability to support multi-generational living. In addition to the primary owner’s suite, the home includes a secondary bedroom with its own private ensuite and walk-in closet, making it an ideal setup for an adult child, parent, grandparent, or long-term guest who values both independence and comfort. This thoughtful arrangement allows multiple household members to enjoy true privacy within the same home. The primary owner’s suite is spacious and inviting, featuring a tray ceiling with crown molding and a well-appointed ensuite with dual vanities with storage drawers, linen closet, separate tiled shower with glass enclosure, and a soaking tub. The remaining two bedrooms are also generously sized and share an oversized bath with double-sink vanity, storage drawers, linen closet, and a separate toilet and tub-shower area, offering both function and convenience. Notably, every bedroom in the home includes a walk-in closet, and three of the four bedrooms connect directly to a bathroom, a feature buyers often find both practical and rare. The exterior showcases a tile roof, paver driveway, and a paver-covered lanai, extending living space outdoors. Located in Lake Juliana Estates, residents enjoy a gated community with two entry gates, a gorgeous clubhouse with fitness center, pool overlooking the lake, basketball and tennis courts, playground, and a community boat ramp and dock. Convenient access to I-4 and the Polk Parkway makes commuting and travel easy. Buyers who choose this floorplan often appreciate how effortlessly it accommodates evolving household needs—offering flexibility, privacy, and comfort without sacrificing shared living space. It’s a well-planned home for those seeking functionality today and adaptability for the future.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,200

Sqft

0.17 ac

Lot size

3

Garage

2025

Year built

One

Levels

$191

Per sqft

Inside

FlooringCarpet · Ceramic Tile
AppliancesCooktop · Dishwasher · Disposal · Electric Water Heater · Microwave
InteriorCrown Molding · High Ceilings · In Wall Pest System · Open Floorplan · Primary Bedroom Main Floor · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab · Stem Wall
FacesNorthwest
ExteriorIrrigation System · Lighting

Community & fees

HOA fee$197/mo
Taxes (2024)$1,113/yr
PetsNumber Limit
CommunityFitness Center · Gated Community - No Guard · Playground · Pool · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Phone Available · Sewer Connected · 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.

$3,107 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,472
FHA mortgage insurance (est.)$186
Property tax — 2024 actual bill$93
HOA fee — from the listing$197
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,695Loan30-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% · $14,695
Interest rate6.00%
Loan term

Estimated payment

$3,107/mo

Principal & interest$2,472
FHA mortgage insurance (est.)$186
Property taxes (actual bill)$93
HOA / condo fee$197
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 $420K
$386KedgeAI estimate $418,559 · range $402K$461K$479K

vs edgeAI estimate

+0.3%

$/sqft vs LAKE JULIANA ESTATES

$191 vs $209

Days on market

409 vs 50 typical

Where $191/sqft sits among the 25 homes for sale in LAKE JULIANA ESTATES

6 · this home
6
9
1
1
2
$182–195$195–208$208–221$221–234$234–247$247+

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 Lake Juliana Estates

Map of 5409 WATERSIDE DRIVE inside its neighborhood boundary

Drive times from this address

Walt Disney World27 min
Universal Orlando37 min
Downtown Orlando43 min
Downtown Tampa46 min
Orlando Int’l Airport (MCO)48 min
Tampa Int’l Airport (TPA)58 min

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

Get to know Auburndale. See the full Auburndale guide →

Lake Juliana Estates — neighborhood snapshot

Population

355

Median age

53

Median income

$101,000

Median home value

$379,400

Avg household

3

Households w/ children

35%

For the school run

Polk County School District

ElementaryLena Vista Elementary School★★★★★
HighAuburndale Senior High School★★★★
MiddleLake Alfred Polytech Academy★★★★

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

The numbers that matter

The Auburndale market

Seller’s marketBalanced5.9 months of inventoryBuyer’s market

$316K$335K

Auburndale median sold, yr/yr

98.0%

Sale-to-list ratio (12 mo)

17 of 25

LAKE JULIANA ESTATES have cut their price

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

This home is listed 29% above the AUBURNDALE 33823 median. See the full Auburndale market guide →

Paper trail

This home's history

CurrentPrice reduced to $419,846 $21K
Jun 10, 2025Listed at $440,665 · 409 days on market since
2025Built · LAKE JULIANA ESTATES

Reality check

What actually sold near 5409 WATERSIDE DRIVE

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

5120 VILLA CREST WAYSold · Feb ’26

$391,015

5120 VILLA CREST WAY · same community

4 bd · 3 ba · 2,200 sqft · $178/sqft · 557 DOM

4658 GRANDVIEW GLEN DRIVESold · Feb ’26

$393,665

4658 GRANDVIEW GLEN DRIVE · same community

4 bd · 3 ba · 2,200 sqft · $179/sqft · 722 DOM

5102 VILLA CREST WAYSold · Dec ’25

$408,165

5102 VILLA CREST WAY · same community

4 bd · 3 ba · 2,200 sqft · $186/sqft · 513 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.

Eric Chery

Your agent

Eric Chery

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 5409 WATERSIDE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 5409 WATERSIDE DRIVE — before you fall in love.

See it in person

Schedule a tour

Pick a day that works — this goes straight to Eric's phone and CRM.

Goes straight to Eric’s phone and CRM.

Straight answers

5409 WATERSIDE DRIVE FAQs

What would the monthly payment be for 5409 WATERSIDE DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,107/mo — principal and interest, the actual property-tax bill, the $197/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 5409 WATERSIDE DRIVE?+

The association fee works out to $197 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 5409 WATERSIDE DRIVE?+

The most recent tax bill on record (2024) was $1,113. 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 5409 WATERSIDE DRIVE?+

The listing reports pets: Number Limit. 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 Auburndale?+

At $419,846, this home is listed about 18% above the Auburndale median of $355,000. The market section on this page shows how the area is trending.

Which schools are assigned to 5409 WATERSIDE DRIVE?+

Lena Vista Elementary School (elementary), Auburndale Senior High School (high), Lake Alfred Polytech Academy (middle) — Polk County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$419,846 runs 29% above the AUBURNDALE 33823 median — but at 2,200 sqft it's also 19% larger than the typical Auburndale listing.

02Time on market is leverage

409 days on market against a Auburndale median of 50 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $440,665, now $419,846 — a $21K cut. The full history is in the market section below.

Listing courtesy of ADAMS HOMES REALTY · Jesse Tapia. MLS #L4953665.

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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