521 BONNIE DRIVE, LAKELAND, FL, 33803
Active1 days on marketListed Aug 18, 2026MLS #L4964330
About this home
521 BONNIE DRIVE
Welcome to 521 Bonnie Drive, a well-maintained 3-bedroom, 2.5-bath home nestled on a .27-acre lot in Lakeland’s established Camphor neighborhood. Built in 1955 and lovingly cared for by the same family for many years, this home offers great bones, spacious rooms and wonderful potential to make it your own. Major improvements include a NEW ROOF (2026) and NEW WATER HEATER (2026). Inside, you’ll find beautiful hardwood flooring, abundant natural light and a functional floor plan with generous living spaces. The home features 1,446 sq. ft. plus an approximately 399 sq. ft. addition, providing approximately 1,845 sq. ft. of total space. The large additional living area offers built-in cabinetry and shelving and makes a fantastic family room, bonus room, hobby space or entertaining area. One secondary bedroom features its own exterior entrance, adding flexibility for a home office or guest space. The kitchen offers ample cabinetry and counter space with an adjoining dining area, while the primary bedroom includes a private bath. A half bath is conveniently located in the laundry area. Outside, enjoy a spacious backyard with mature shade trees and plenty of room for outdoor living, gardening or entertaining. With its NEW ROOF, NEW WATER HEATER, beautiful hardwood floors, flexible living space and desirable central Lakeland location, this longtime family home is ready to welcome its next owner!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,845
Sqft
0.27 ac
Lot size
1
Garage
1955
Year built
One
Levels
$179
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.
$2,334 /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
$2,334/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
−17.6%
$/sqft vs Lakeland actives
$179 vs $193
Days on market
1 vs 44 typical
Where $179/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 Camphor Heights
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Camphor Heights — neighborhood snapshot
Population
1,239
Median age
40
Median income
$62,406
Median home value
$315,300
Avg household
2
Households w/ children
129
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 10% above the LAKELAND 33803 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 521 BONNIE DRIVE
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$280,000
539 W BEACON ROAD · same community
3 bd · 2 ba · 1,941 sqft · $144/sqft · 210 DOM
Sold · Jun ’26$307,000
525 SUSAN DRIVE · same community
3 bd · 2 ba · 1,627 sqft · $189/sqft · 61 DOM
Sold · Feb ’26$335,000
1420 S LINCOLN AVENUE · same community
3 bd · 2 ba · 2,076 sqft · $161/sqft · 143 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
Kamilla Pagotto
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 521 BONNIE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 521 BONNIE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kamilla's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
521 BONNIE DRIVE FAQs
What would the monthly payment be for 521 BONNIE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,334/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 521 BONNIE DRIVE?+
The most recent tax bill on record (2025) was $1,022. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Lakeland?+
At $330,000, this home is listed about 1% below the Lakeland median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 521 BONNIE DRIVE?+
Dixieland Elementary School (elementary), Southwest Middle School (middle), Lakeland 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 S & D REAL ESTATE SERVICE LLC · Tammy Schneider. MLS #L4964330.
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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