2240 SEA ISLAND CIRCLE N, LAKELAND, FL, 33810
Active16 days on marketListed Aug 18, 2026MLS #L4964045
About this home
2240 SEA ISLAND CIRCLE N
Welcome to easy living in Highland Fairways. Located at 2240 Sea Island Circle in Lakeland, this beautifully updated 2-bedroom, 2-bathroom home offers the kind of comfort, convenience, and low-maintenance lifestyle that makes every day feel a little more relaxed. Inside, you’ll find a well-cared-for interior with tasteful updates, an inviting layout, and plenty of space to enjoy both everyday living and entertaining. The large Florida room is a standout feature, offering the perfect place to relax with morning coffee, enjoy the natural light, or create an additional sitting area, hobby space, or reading retreat. A garage adds extra storage and practicality, making this home as functional as it is welcoming. Beyond the home itself, Highland Fairways is known for its maintenance-free lifestyle, giving residents more time to enjoy the things they love and less time worrying about exterior upkeep. This sought-after community also offers a wonderful range of amenities, including a clubhouse, pool, golf, and recreational activities that create a vibrant and social atmosphere. Whether you enjoy staying active, meeting neighbors, or simply appreciating a peaceful setting, Highland Fairways delivers a lifestyle that is both convenient and enjoyable. Updates: roof (2017), central hvac (2018), water heater (2026), windows & doors (2019).
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,241
Sqft
0.1 ac
Lot size
1
Garage
1987
Year built
One
Levels
$181
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 and the real association fee — not generic estimates.
$2,109 /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
$2,109/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
+13.6%
$/sqft vs Lakeland actives
$181 vs $193
Days on market
16 vs 43 typical
Where $181/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 33810 — neighborhood snapshot
Population
52,734
Median age
42.2
Median income
$69,738
Median home value
$245,300
Avg household
2.71
Households w/ children
5,718
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 → $323K
Lakeland median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
230 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 31% below the LAKELAND 33810 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 2240 SEA ISLAND CIRCLE N
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$181,900
2206 GOLDEN HORSESHOE CIRCLE N · same community
2 bd · 2 ba · 1,274 sqft · $143/sqft · 2 DOM
Sold · Nov ’25$222,500
3173 SAND TRAP COURT · same community
2 bd · 2 ba · 1,193 sqft · $187/sqft · 176 DOM
Sold · Dec ’25$196,900
2234 SEA ISLAND CIR N · same community
2 bd · 2 ba · 1,166 sqft · $169/sqft · 5 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 2240 SEA ISLAND CIRCLE N — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2240 SEA ISLAND CIRCLE N — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2240 SEA ISLAND CIRCLE N FAQs
What would the monthly payment be for 2240 SEA ISLAND CIRCLE N?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,109/mo — principal and interest, the actual property-tax bill, the $240/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 2240 SEA ISLAND CIRCLE N?+
The association fee works out to $240 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2240 SEA ISLAND CIRCLE N?+
The most recent tax bill on record (2025) was $3,419. 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 2240 SEA ISLAND CIRCLE N?+
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 $225,000, this home is listed about 33% below the Lakeland median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2240 SEA ISLAND CIRCLE N?+
Sleepy Hill Middle School (middle), Sleepy Hill Elementary School (elementary), Kathleen Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY · Gate Arty. MLS #L4964045.
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.
Never miss a listing
New Lakeland homes, in your inbox
Like 2240 SEA ISLAND CIRCLE N but not quite? A daily digest of every new listing in Lakeland — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Shawn to ping you on any price or status change →