3914 DERBY DRIVE, LAKELAND, FL, 33809
Active6 days on marketListed Jul 27, 2026MLS #L4963547
About this home
3914 DERBY DRIVE
This home has been meticulously maintained and offers numerous updates. Inside you will find high ceilings and luxury vinyl flooring throughout. The spacious eat in kitchen features granite countertops, new backsplash, and a large pantry that was once used as a laundry room (and easily could be again). The refrigerator (replaced in Aug 2023), dishwasher ( replaced in Dec 2023), and electric range (replaced in Feb 2026) are all included. The separate dining room is a perfect space to entertain guests. The primary bedroom includes a large walk in closet and updated en-suite shower. Both bathrooms have granite countertops and both toilets were replaced in 2023. Other updates include a newer water heater (March 2023), interior and exterior paint, thermostat, seamless gutters, 3 Blink cameras (interior and exterior of the home), a new sliding glass door and an outside storage shed which sits on a concrete slab. This home features an enclosed lanai, perfect for relaxing with your morning coffee. Windows and new screens were installed in the lanai in Oct 2024. Outdoors you will find a fenced backyard, a paver patio with awning, sprinkler system and 50 amp outlet (for RV). All on a beautifully landscaped lot in a quiet cul-de-d-sac setting with no rear neighbors. HOA is optional, NOT required.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,828
Sqft
0.17 ac
Lot size
2
Garage
2000
Year built
One
Levels
$211
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.
$2,850 /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
$2,850/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
+20.2%
$/sqft vs Lakeland actives
$211 vs $192
Days on market
6 vs 33 typical
Where $211/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 33809 — neighborhood snapshot
Population
30,498
Median age
42.6
Median income
$67,112
Median home value
$248,700
Avg household
2.58
Households w/ children
3,738
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
$318K → $320K
Lakeland median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
208 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 18% above the LAKELAND 33809 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 3914 DERBY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$299,900
750 ROCKINGHAM ROAD · same community
3 bd · 2 ba · 1,634 sqft · $184/sqft · 43 DOM
Sold · Oct ’25$290,000
849 ROCKINGHAM ROAD · same community
2 bd · 2 ba · 1,582 sqft · $183/sqft · 57 DOM
Sold · Apr ’26$305,000
4127 CHELSEA LANE · same community
3 bd · 2 ba · 1,509 sqft · $202/sqft · 30 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3914 DERBY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3914 DERBY 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.
Straight answers
3914 DERBY DRIVE FAQs
What would the monthly payment be for 3914 DERBY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,850/mo — principal and interest, the actual property-tax bill, the $4/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 3914 DERBY DRIVE?+
The association fee works out to $4 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3914 DERBY DRIVE?+
The most recent tax bill on record (2025) was $2,985. 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 3914 DERBY 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 $385,000, this home is listed about 13% above the Lakeland median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3914 DERBY DRIVE?+
Edgar L. Padgett Elementary (elementary), Lake Gibson Middle School (middle), Lake Gibson Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of HARPER REALTY FL, LLC · Rachel Hernandez. MLS #L4963547.
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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