Julian Rivera
$275,0003 bd2 ba1,474 sqft$187 /sqft$2,056 /mo all-in ↓

3135 CROSS FOX DRIVE, MULBERRY, FL, 33860

Active1 days on marketListed Aug 11, 2026MLS #TB8537881

Priced 4% below the MULBERRY 33860 medianSingle Family ResidenceIMPERIALAKES PH 01

About this home

3135 CROSS FOX DRIVE

Some homes simply feel different the moment you walk through the door and this one may be exactly that. Tucked beside the peaceful waters of a serene lake, this charming 3-bedroom, 2-bath block home offers 1,474 square feet of comfortable living space, a 2-car garage, and something that is becoming harder and harder to find: a home that feels like a retreat. Step inside and you'll find a generously sized living room centered around a cozy fireplace, flowing naturally into the dining area and breakfast nook. Just beyond the nook, French doors invite you outside to the enclosed 24' x 12' screened porch and this is where the story gets even better. Step out, settle in, and take in the tranquil lake views. It's the kind of place where mornings can linger a little longer and evenings practically beg you to sit down with a drink and stay awhile. The owner has even been known to catch fish right from this peaceful setting. The kitchen has received a thoughtful update with completely redone lower cabinets, adding both function and fresh appeal while maintaining the home's character. The roof was replaced in 2017 and the A/C was replaced in 2013, giving you some important major updates already in place. Built in 1979, this home combines the durability of block construction with wood siding and timeless charm. And then there's the HOA just $50 a year, making it almost too easy to enjoy the neighborhood without the burden of a costly monthly association fee. Some houses give you a place to live. This one gives you a place to slow down, watch the water, catch a fish, and enjoy the view. Come see for yourself, you may find that the best part of this home is waiting just beyond those French doors.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,474

Sqft

0.26 ac

Lot size

2

Garage

1979

Year built

One

Levels

$187

Per sqft

FireplaceWater viewPets allowed

Inside

FlooringCarpet · Laminate · Vinyl
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Solid Wood Cabinets · Thermostat · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Wood Siding
FoundationSlab
ViewWater
FacesSouth
ParkingDriveway · Open
ExteriorFrench Doors · Private Mailbox · Rain Gutters

Community & fees

HOA fee$4/mo
Taxes (2025)$1,818/yr
PetsYes
CommunityAssociation Recreation - Lease

Utilities & systems

UtilitiesCable Available · Public
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.

$2,056 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,619
FHA mortgage insurance (est.)$122
Property tax — 2025 actual bill$151
HOA fee — from the listing$4
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $9,625Loan30-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% · $9,625
Interest rate6.00%
Loan term

Estimated payment

$2,056/mo

Principal & interest$1,619
FHA mortgage insurance (est.)$122
Property taxes (actual bill)$151
HOA / condo fee$4
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 $275K
$263KedgeAI estimate $282,150 · range $274K$288K$299K

vs edgeAI estimate

−2.5%

$/sqft vs Mulberry actives

$187 vs $177

Days on market

1 vs 29 typical

Where $187/sqft sits among the 93 Mulberry actives

10
14
23
15 · this home
22
9
$124–143$143–161$161–179$179–198$198–216$216+

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 3135 CROSS FOX DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa49 min
Tampa Int’l Airport (TPA)60 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$290K

Mulberry median sold, yr/yr

97.4%

Sale-to-list ratio (12 mo)

53 of 93

Mulberry actives have cut their price

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

This home is listed 4% below the MULBERRY 33860 median. See the full Mulberry market guide →

Paper trail

This home's history

Aug 11, 2026Listed at $275,000 · 1 days on market since
1979Built · IMPERIALAKES PH 01

Reality check

What actually sold near 3135 CROSS FOX DRIVE

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

4500 OLD COLONY ROADSold · Aug ’25

$350,000

4500 OLD COLONY ROAD · same community

3 bd · 2 ba · 1,588 sqft · $220/sqft · 326 DOM

3050 CROSS FOX DRIVESold · Jun ’26

$306,500

3050 CROSS FOX DRIVE · same community

3 bd · 2 ba · 1,604 sqft · $191/sqft · 234 DOM

3422 HEATHER GLYNN DRIVESold · Mar ’26

$275,000

3422 HEATHER GLYNN DRIVE · same community

3 bd · 2 ba · 1,328 sqft · $207/sqft · 149 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.

Julian Rivera

Your agent

Julian Rivera

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3135 CROSS FOX 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 3135 CROSS FOX DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

3135 CROSS FOX DRIVE FAQs

What would the monthly payment be for 3135 CROSS FOX DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,056/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 3135 CROSS FOX 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 3135 CROSS FOX DRIVE?+

The most recent tax bill on record (2025) was $1,818. 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 3135 CROSS FOX 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 Mulberry?+

At $275,000, this home is listed about 8% below the Mulberry median of $299,450. The market section on this page shows how the area is trending.

Which schools are assigned to 3135 CROSS FOX DRIVE?+

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.

The brief

Three things that matter here

01Under the MULBERRY 33860 market on paper

$275,000 is 4% below the MULBERRY 33860 median of $287,000.

02Water views

The water view is part of what you're buying — views hold value independently of the structure.

03Fresh on the market

Only 1 day on market in a Mulberry market that averages 29 — if it fits, move quickly.

Listing courtesy of SOUTHERN PINE REALTY GROUP, LLC · Edith Warner. MLS #TB8537881.

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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