Daniel De La Torre Roffe
Residential Financing Specialist
Residential Financing
By phone(786) 981-7200
By emailloan@danieldelatorre.com
0127
MLS #A11979324··For Sale
8016 Apache LnIndian Heights Phase Two, FL
4 Bedrooms2 Bathrooms2-car garage
Asking
$274,999
Price cut: $20K(6/9)
— About this home
SHORTSALE OPPORTUNITY! Welcome to your private North Lakeland retreat. This spacious 4-bedroom, 2-bath home is a Florida entertainer’s dream, featuring a fully fenced yard and a massive screened pool area with an expanded concrete deck. The built-in outdoor kitchen and grill area make weekend BBQs a breeze. Enjoy the freedom of NO HOA and the efficiency of a gas system and water softener. Includes a backyard storage shed and ample parking. Perfectly located with quick access to I-4, making commutes to Tampa or Orlando seamless. Sold as a short sale—bring your offers!
— Overview
- Status
- For Sale
- Type
- Single Family Residence
- Bedrooms
- 4
- Bathrooms
- 2 full · 0 half
- Year built
- 1992
- Stories
- 1
- Garage
- 2-car
- Zoning
- 0011
- Subdivision
- Indian Heights Phase Two
- Parcel #
- 232710000823010470
- MLS
- #A11979324
- Listed
- Mar 9, 2026
- Annual taxes
- $4,240/year
- Tax assessed
- $311,057
— Features & Amenities
Highlights
- Fully fenced yard
- Massive screened pool area
- Built-in outdoor kitchen and grill area
- Backyard storage shed
- Ample parking
Area & Lot
- View: Pool
- Less Than 1/4 Acre Lot
Interior & Systems
- Heating: Central
- Cooling: Central Air
- Roof: Shingle
- Flooring: Tile
- Dishwasher
- Microwave
- Refrigerator
Exterior & Site
- Driveway
- Construction: Concrete Block Construction
- Pool: In Ground
- Pool: Pool Only
- Water source: Municipal Water
- Sewer: Public Sewer
Financing
- All Cash
- Conventional
- FHA
- VA Loan
— Location
Indian Heights Phase Two8016 Apache Ln
— Price history
Listed for sale
3/9/2026
$274,999
— Mortgage Estimator
Estimate your monthly cost.
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Home priceUSD
Enter as digits, with commas, or shorthand: 1.9M · 1900K · 1,895,000
ZIP codePolk
Polk County (approximate from ZIP prefix).
Payment typeFinanced
Conventional or jumbo loan, depending on size.
Down payment20% · $55,000
%
$219,999 financed
Loan termyears
Base rate% (760+ band)
Loading current market rate...
Your rate at 740-759:6.995%(base + 0.12%)
Primary residenceNo
No homestead exemption — full property tax applies.
Credit score banddrives rate
Lenders price LLPA adjustments by credit band. See impact panel for monthly + lifetime deltas.
Your finances — optional, for DTI
Gross annual income
$
Other monthly debts
$
Household combined pre-tax income and the sum of your monthly debt-service payments (auto loans, student loans, credit-card minimums). We don't count groceries, utilities, or insurance — those don't factor into lender DTI.
— Estimated monthly
$1,933
Per month, all-in
Monthly breakdown
- Principal & interest$1,46376%
- Property taxes$35318%
- Insurance$1176%
Tax: From listing — annual tax of record.
Insurance: Inland metro — moderate wind exposure, mature market.
Cash & qualification
- Cash at closing
- $67,480
- Income to qualify
- $83,000/yr
Credit-score impact
Improving from 740-759 to 760+ would save $18/mo and $6,366 over the life of this loan.
Over the life of the loan
- Total paid
- $526,652
- Total interest
- $306,653
- Paid off
- 2056
— Preferred lender
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Vera Vita is not a lender and does not earn a referral fee on lender introductions. Rates, terms, and approval remain between you and your lender of choice.
