4104 E COUNTY ROAD 540A, LAKELAND, FL, 33813
Active193 days on marketListed Jan 27, 2026MLS #L4958848
About this home
4104 E COUNTY ROAD 540A
Virtually Staged. NO HOA and NO CDD! This classic red brick 3-bedroom, 2-bath home is situated on a spacious corner lot shaded by beautiful, mature oak trees. This home, with 1,897 sq ft living space, offers flexibility and freedom for future improvements, and features a fully functional kitchen, a cozy fireplace, generous storage throughout, and a practical floor plan designed for everyday living. The Water Heater replaced in 2026, A/C replaced in 2023, and Roof replaced in 2018. A two-car garage provides added convenience. The property is a fixer-upper in need of TLC, presenting an excellent opportunity for buyers looking to renovate, personalize, or for an investment. Bedroom carpets have been removed but Seller offering $10,000 flooring credit. Ideally located close to shopping, dining, and medical facilities, this home combines a desirable location with character and strong potential. Bring your vision and imagination to make this property your own.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,897
Sqft
0.3 ac
Lot size
2
Garage
1978
Year built
One
Levels
$148
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.
$2,029 /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
$2,029/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
−15.1%
$/sqft vs Lakeland actives
$148 vs $194
Days on market
193 vs 43 typical
Where $148/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 33813 — neighborhood snapshot
Population
38,112
Median age
39.9
Median income
$96,723
Median home value
$330,100
Avg household
2.72
Households w/ children
5,079
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
$316K → $316K
Lakeland median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
200 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 30% below the LAKELAND 33813 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 4104 E COUNTY ROAD 540A
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$309,900
3701 DIVING DOVE LANE
4 bd · 2 ba · 1,936 sqft · $160/sqft · 28 DOM
Sold · Sep ’25$305,000
3628 DIVING DOVE LANE
4 bd · 2 ba · 1,846 sqft · $165/sqft · 62 DOM
Sold · Nov ’25$280,000
3349 LOUNGING WREN LANE
4 bd · 2 ba · 1,846 sqft · $152/sqft · 16 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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 4104 E COUNTY ROAD 540A — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4104 E COUNTY ROAD 540A — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4104 E COUNTY ROAD 540A FAQs
What would the monthly payment be for 4104 E COUNTY ROAD 540A?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,029/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 4104 E COUNTY ROAD 540A?+
The most recent tax bill on record (2025) was $1,173. 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 4104 E COUNTY ROAD 540A?+
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 $279,850, this home is listed about 17% below the Lakeland median of $339,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4104 E COUNTY ROAD 540A?+
Medulla Elementary School (elementary), Southwest Middle School (middle), George W. Jenkins Senior High (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the LAKELAND 33813 market on paper
$279,850 is 30% below the LAKELAND 33813 median of $400,000, and at $148/sqft it sits under the Lakeland average of $207.
02Time on market is leverage
193 days on market against a Lakeland median of 43 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $329,900, now $279,850 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REMAX EXPERTS · Gary Desmond. MLS #L4958848.
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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