950 LAKE COVE TRAIL, LAKELAND, FL, 33813
Active11 days on marketListed Aug 2, 2026MLS #L4963975
Come see it
Upcoming open house
Sat, Aug 15
11:00 AM – 1:00 PM
About this home
950 LAKE COVE TRAIL
Looking for a home that's off the beaten path while still being just minutes from all the shopping, dining, and conveniences of South Lakeland? This beautiful 4-bedroom, 2-bath modular home offers the perfect blend of privacy and modern living! Built in 2023, this 1,836± square foot home features a desirable split-bedroom floor plan with an open-concept design that's ideal for everyday living and entertaining. The spacious living room and separate family room provide plenty of room for gathering, while the inside utility room and abundant storage add everyday convenience. 10 1/2’ ceilings throughout with crown molding and lots of ceiling fans, give it that open, airy feeling. Situated on the shores of picturesque Little Lake Victoria, a private 7± acre lake, this home is tucked away on a quiet private road shared by only three other homes. Step outside and enjoy your own waterfront retreat with direct lake access where you can swim, canoe, kayak, paddleboard, and fish. (No motorized boats allowed.) Need extra space? The impressive 24' x 26' metal garage with two 12’x12’ roll-up doors is perfect for storing vehicles, recreational equipment, or creating the ultimate workshop or hobby space. Center height is 19’ with 15’ eve height. If you've been searching for peaceful waterfront living without sacrificing proximity to South Lakeland's amenities, this is the one you've been waiting for. Schedule your private showing today!
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
$226
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.
$3,100 /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
$3,100/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
$226 vs $271
Days on market
11 vs 44 typical
Where $226/sqft sits among the 127 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 → $320K
Lakeland median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
59 of 127
NA have cut their price
Median sold price, Lakeland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2% above 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 · Dec ’25$150,000
7812 W LAURA STREET · same community
3 bd · 2 ba · 1,800 sqft · $83/sqft · 58 DOM
Sold · Feb ’26$460,000
1219 N RIDGEWOOD AVENUE · same community
3 bd · 2 ba · 2,021 sqft · $228/sqft · 3 DOM
Sold · Dec ’25$405,000
35410 JOHNS LANE · same community
3 bd · 2 ba · 1,560 sqft · $260/sqft · 28 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
Alek Cherrone
REALTOR® · 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 Alek'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 $3,100/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 $415,000, this home is listed about 23% above the Lakeland median of $337,900. 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.
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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