950 LAKE COVE TRAIL, LAKELAND, FL, 33813
Active77 days on marketListed Aug 2, 2026MLS #L4963975
About this home
950 LAKE COVE TRAIL
MAJOR PRICE IMPROVEMENT! BRING ALL OFFERS! NO HOA • PRIVATE LAKE • NOT IN A FLOOD ZONE • HUGE GARAGE/WORKSHOP Once you walk through the door, you are in a different world! Schedule a showing today! Discover the unique opportunity to enjoy peaceful lakefront living in desirable South Lakeland! Tucked away on a private road shared by only three other homes, this beautiful 4-bedroom, 2-bath home offers privacy and tranquility while remaining conveniently located just minutes from shopping, dining, medical facilities, and everyday conveniences. Built in 2023, this 1,836± SF home is situated along the shores of picturesque Little Lake Victoria, a private 7± acre lake. Enjoy direct waterfront access for swimming, canoeing, kayaking, paddleboarding, and fishing. No motorized boats are permitted, helping preserve the peaceful and relaxing atmosphere. The property also features an impressive 24' x 26' metal garage with two 12' x 12' roll-up doors, providing exceptional space for vehicles, recreational equipment, storage, hobbies, or a workshop. With approximately 15' eave height and 19' center height, the garage offers tremendous versatility for woodworking, mechanics, antique cars, boat or recreational equipment storage, and more. Inside, the home features a desirable open-concept layout with a split-bedroom floor plan, spacious living room, separate family room, inside utility room, and abundant storage. 10½-foot ceilings, crown molding, and numerous ceiling fans add to the bright, spacious, and airy feel of the home. Whether you're looking for a private waterfront retreat, a place to enjoy your favorite hobbies, or a property with potential for a vacation rental, this unique property offers plenty of possibilities. *Important Flood Zone Information: The home itself is NOT located in a flood zone and sits high and dry; however, the lake area is within the flood zone. Buyers are encouraged to verify all flood-zone information and intended uses independently. This property also has an advanced septic system. Advanced septic systems are designed to treat wastewater more effectively than traditional systems. With no HOA, private lake frontage, a newer home, and an oversized versatile garage, properties like this are hard to find in South Lakeland. Schedule your private showing today and experience Little Lake Victoria for yourself!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,836
Sqft
1.01 ac
Lot size
2
Garage
2023
Year built
One
Levels
$188
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.
$2,656 /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
$2,656/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 NA
$188 vs $296
Days on market
77 vs 60 typical
Where $188/sqft sits among the 122 homes for sale in NA
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 → $322K
Lakeland median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
61 of 122
NA have cut their price
Median sold price, Lakeland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% below the LAKELAND 33813 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 950 LAKE COVE TRAIL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’26$535,000
8445 NE 310TH AVENUE · same community
3 bd · 2 ba · 1,852 sqft · $289/sqft · 32 DOM
Sold · Mar ’26$330,000
5271 NW COUNTY ROAD 347 · same community
3 bd · 2 ba · 1,680 sqft · $196/sqft · 126 DOM
Sold · Aug ’26$315,000
27130 FISHERMANS ROAD · same community
3 bd · 2 ba · 1,680 sqft · $188/sqft · 128 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 950 LAKE COVE TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 950 LAKE COVE TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
950 LAKE COVE TRAIL FAQs
What would the monthly payment be for 950 LAKE COVE TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,656/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 950 LAKE COVE TRAIL?+
The most recent tax bill on record (2025) was $3,757. 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 950 LAKE COVE TRAIL?+
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 $344,900, this home is listed about 4% above the Lakeland median of $331,450. The market section on this page shows how the area is trending.
Which schools are assigned to 950 LAKE COVE TRAIL?+
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
$344,900 is 14% below the LAKELAND 33813 median of $399,950, and at $188/sqft it sits under the Lakeland average of $202.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $425,000, now $344,900 — a $80K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REMAX EXPERTS · Angela Poole. MLS #L4963975.
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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