CENTURY 21 Edge
$1,075,000$1,125,0004 bd3 ba3,661 sqft$294 /sqft≈$6,753 /mo all-in ↓

6605 POLEY CREEK DRIVE W, LAKELAND, FL, 33811

Active57 days on marketListed Aug 22, 2026MLS #L4964401

✦ Reduced $50KWaterfrontSingle Family ResidencePOLEY CREEK

About this home

6605 POLEY CREEK DRIVE W

Price improvement & BRAND NEW septic drain-field! The convenience of a South Lakeland neighborhood along with the privacy and space of 5.94 acres… welcome to 6605 Poley Creek Drive W. This truly SPECIAL estate offers exceptional privacy, abundant character and incredible versatility. This custom-built, single-owner home offers over 3,600 square feet of living space (4,500+ under roof!) and is tucked inside the Poley Creek neighborhood right off Shepherd Road, where homes enjoy impressive separation of at least 100 feet. This beautifully constructed brick home combines quality craftsmanship with the kind of land and amenities that are increasingly hard to find. Block construction extends beneath the brick on both the first AND second stories, a testament to the substantial construction of this special home. Inside, you’ll immediately appreciate the home’s generous proportions and timeless details. Updated bathrooms, new light fixtures, a new water heater (2026), wood flooring, solid wood doors, three new HVAC units (2022), a 2019 roof, shutters and built-in closets are just a few of the features that set this home apart. With 4 bedrooms, 2 full bathrooms, 2 half bathrooms, an office, formal dining and formal living, you have so much space to enjoy. The comfortable family room with access to the screened lanai is perfect for gathering and features a fireplace, while the impressive primary suite provides a private retreat with its own fireplace, wood beams, double walk-in closets and an oversized, spa-inspired bathroom. The kitchen features tile flooring, granite countertops, stainless steel appliances, new light fixtures and a large breakfast nook overlooking the backyard. Upstairs, there is a full bathroom and two standard bedrooms, including one with a secret room tucked inside the closet… offering unexpected extra storage. The large upstairs bonus room/bedroom with an ensuite half bathroom and kitchenette could become a secondary primary suite as well. Plenty of options to suit your lifestyle! Outside is where this property becomes something truly extraordinary. Enjoy the screened and open lanais with views of the property and the charming log-cabin-inspired shed/chicken coop. With nearly six acres, there is room to spread out, explore and enjoy the Florida outdoors. Follow the ATV trails, gather around the fire pit, or simply enjoy the wooded surroundings and creek running through the property. High-quality fencing and multiple double gates provide convenient backyard access, with space for RVs, boats, trailers and recreational toys. Beautiful paver walkways, outdoor living features and mature landscaping add to the manicured feeling around the property. Car enthusiasts, hobbyists or anyone needing serious storage will love the garage space. In addition to the approximately 28’ x 22’ attached garage, the property features an approximately 26’ x 24’ detached garage with attic storage and 50-amp service. Additional attic space provides even more room for storage. This is an estate whose charm and special features can only be fully appreciated in person, so come experience the space, privacy and one-of-a-kind character of 6605 Poley Creek Drive W for yourself!

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

3,661

Sqft

5.94 ac

Lot size

4

Garage

1994

Year built

Two

Levels

$294

Per sqft

WaterfrontFireplaceTrees/Woods viewPets allowed

Inside

FlooringTile · Vinyl · Hardwood
AppliancesDishwasher · Disposal · Electric Water Heater · Freezer · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Vaulted Ceiling(s) · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · Inside · Laundry Closet · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Brick · Vinyl Siding
FoundationSlab
ViewTrees/Woods
FacesWest
ParkingDriveway · Garage Faces Side · Oversized
ExteriorFire Pit · French Doors · Irrigation System · Private Yard · RV Hookup · Storage

Community & fees

HOA fee$33/mo
Taxes (2026)$4,276/yr
PetsCats OK, Dogs OK, Yes
CommunityHorses Allowed

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Fiber Optics · Fire Hydrant · Phone Available · Street Lights · Underground Utilities
WaterPublic

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.

$6,753 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,801
PMI (est., until 20% equity)$403
Property tax — 2026 actual bill$356
HOA fee — from the listing$33
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $107,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $107,500
Interest rate6.00%
Loan term

Estimated payment

$6,753/mo

Principal & interest$5,801
PMI (est., until 20% equity)$403
Property taxes (actual bill)$356
HOA / condo fee$33
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

List $1.1M
$540KedgeAI estimate $625,513 · range $563K–$688K$1.1M

vs edgeAI estimate

+71.9%

$/sqft vs Lakeland actives

$294 vs $194

Days on market

57 vs 61 typical

Where $294/sqft sits among the 400 Lakeland actives

61
78
117
73
38
33 · this home
$119–149$149–180$180–210$210–240$240–271$271+

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

Downtown Tampa≈ 45 min
Tampa Int’l Airport (TPA)≈ 58 min
Walt Disney World≈ 64 min
Universal Orlando≈ 74 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Lakeland. See the full Lakeland guide →

LAKELAND 33811 — neighborhood snapshot

Population

28,456

Median age

36.7

Median income

$85,821

Median home value

$289,800

Avg household

2.78

Households w/ children

3,489

For the school run

Polk County School District

ElementaryR. Bruce Wagner Elementary School★★★★★
HighMulberry Senior High School★★★★★
MiddleMulberry Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Lakeland market

Seller’s marketLeans seller — 4.1 months of inventoryBuyer’s market

$316K → $322K

Lakeland median sold, yr/yr

97.8%

Sale-to-list ratio (12 mo)

222 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 211% above the LAKELAND 33811 median. See the full Lakeland market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,075,000 ▼ $50K
Aug 22, 2026Listed at $1,125,000 · 57 days on market since
1994Built · POLEY CREEK

Reality check

What actually sold near 6605 POLEY CREEK DRIVE W

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

6930 POLEY CREEK DRIVE WSold · Feb ’26

$650,000

6930 POLEY CREEK DRIVE W · same community

3 bd · 2.5 ba · 2,382 sqft · $273/sqft · 10 DOM

3913 GRANDEFIELD CIRCLESold · Dec ’25

$960,000

3913 GRANDEFIELD CIRCLE

4 bd · 3 ba · 3,622 sqft · $265/sqft · 6 DOM

2510 BROWNWOOD DRIVESold · Apr ’26

$379,000

2510 BROWNWOOD DRIVE

4 bd · 2.5 ba · 3,170 sqft · $120/sqft · 170 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.

Tommy Trainer

Your agent

Tommy Trainer

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 6605 POLEY CREEK DRIVE W — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 6605 POLEY CREEK DRIVE W — before you fall in love.

See it in person

Schedule a tour

Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

6605 POLEY CREEK DRIVE W FAQs

What would the monthly payment be for 6605 POLEY CREEK DRIVE W?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,753/mo — principal and interest, the actual property-tax bill, the $33/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 6605 POLEY CREEK DRIVE W?+

The association fee works out to $33 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 6605 POLEY CREEK DRIVE W?+

The most recent tax bill on record (2026) was $4,276. 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 6605 POLEY CREEK DRIVE W?+

The listing reports pets: Cats OK, Dogs OK, 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 $1,075,000, this home is listed about 226% above the Lakeland median of $330,000. The market section on this page shows how the area is trending.

Which schools are assigned to 6605 POLEY CREEK DRIVE W?+

R. Bruce Wagner Elementary School (elementary), Mulberry Senior High School (high), Mulberry Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$1,075,000 runs 211% above the LAKELAND 33811 median — but at 3,661 sqft it's also nearly twice the size of the typical Lakeland listing.

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 $1,125,000, now $1,075,000 — a $50K cut. The full history is in the market section below.

Listing courtesy of GOLDSMITH PROPERTY SOLUTIONS · Stephanie Floyd. MLS #L4964401.

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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