
3400 SHEPHERD ROAD, MULBERRY, FL, 33860
Active1 days on marketListed Aug 8, 2026MLS #L4964121
About this home
3400 SHEPHERD ROAD
Extensively renovated from top to bottom and situated on a spacious .42-acre lot, this 4-bedroom, 3-bath pool home offers approximately 1,800 square feet of beautifully updated living space with plenty of room to enjoy both indoors and out. The thoughtfully redesigned interior features an open floor plan, fresh interior and exterior paint, luxury vinyl plank flooring throughout, knockdown ceilings, recessed lighting, new ceiling fans, new interior doors and hardware, and new double pane windows and sliding glass doors. The bright, open living and dining areas flow easily into the completely updated kitchen featuring white cabinetry, granite countertops, stainless steel appliances, an above-range microwave and abundant cabinet and counter space. A beautifully remodeled stone fireplace with a new glass-door insert and wood mantle adds warmth and character to the spacious family room, while sliding glass doors provide direct access to the screened porch and backyard. The home offers four bedrooms and three full baths, with updated cabinetry, granite countertops and beautifully updated showers and tilework. A large utility room provides additional everyday convenience. Outside is where this property really shines. The expansive backyard features a vinyl-liner swimming pool surrounded by new landscaping, a large screened porch plus a spacious covered deck with new flooring—giving you multiple areas for relaxing, dining and entertaining. The fenced .42-acre lot has new St. Augustine sod and an irrigation system in both the front and backyard. Two large storage sheds/workshops are equipped with electricity, with one also housing the pool equipment. Additional improvements include a new roof (2025), A/C (2021), newer water heater (2017), new 60-foot driveway and turnaround area (August 2026), new front and rear gutters, new landscaping, and white vinyl fencing along the front with 6-foot openings on both sides for convenient backyard access. The rear yard is enclosed with wood privacy fencing. Conveniently situated between Lakeland and Mulberry, this home offers easy access to shopping, dining, schools, parks and recreational areas, with nearby connections to major roadways making travel throughout Central Florida convenient. Enjoy the space and privacy of a large homesite while still being just minutes from everyday necessities and all that Lakeland and the surrounding area have to offer. With its extensive renovations, open living spaces, oversized lot, pool, multiple outdoor entertaining areas and exceptional amount of usable backyard space, this home offers the rare combination of a move-in-ready interior and room to truly enjoy Florida living.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,704
Sqft
0.42 ac
Lot size
1977
Year built
One
Levels
$241
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 — not generic estimates.
$3,078 /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
$3,078/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.
$/sqft vs Mulberry actives
$241 vs $177
Days on market
1 vs 28 typical
Where $241/sqft sits among the 95 Mulberry 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 Mulberry
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Mulberry. See the full Mulberry guide →
MULBERRY 33860 — neighborhood snapshot
Population
25,617
Median age
34.3
Median income
$62,779
Median home value
$221,400
Avg household
2.93
Households w/ children
3,311
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Mulberry market
$300K → $270K
Mulberry median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
51 of 95
Mulberry actives have cut their price
Median sold price, Mulberry, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 44% above the MULBERRY 33860 median. See the full Mulberry market guide →
Paper trail
This home's history
Reality check
What actually sold near 3400 SHEPHERD ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$345,000
3525 TANAGER LANE W · same community
3 bd · 2 ba · 1,612 sqft · $214/sqft · 5 DOM
Sold · Jun ’26$375,000
5450 STARLING DRIVE · same community
3 bd · 3 ba · 1,590 sqft · $236/sqft · 0 DOM
Sold · Oct ’25$240,000
3095 LARK LANE · same community
3 bd · 2 ba · 1,821 sqft · $132/sqft · 18 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3400 SHEPHERD ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3400 SHEPHERD ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3400 SHEPHERD ROAD FAQs
What would the monthly payment be for 3400 SHEPHERD ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,078/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 3400 SHEPHERD ROAD?+
The most recent tax bill on record (2025) was $3,887. 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 3400 SHEPHERD ROAD?+
The listing reports pets: Cats OK, Dogs OK, 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 $409,900, this home is listed about 37% above the Mulberry median of $299,950. The market section on this page shows how the area is trending.
Which schools are assigned to 3400 SHEPHERD ROAD?+
Mulberry Middle School (middle), Mulberry Senior High School (high) — 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
$409,900 runs 44% above the MULBERRY 33860 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 1 day on market in a Mulberry market that averages 28 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Russ Rhoads. MLS #L4964121.
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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