5405 DELPHI HILLS CIRCLE, LAKELAND, FL, 33812
Active29 days on marketListed Sep 11, 2026MLS #L4964736
About this home
5405 DELPHI HILLS CIRCLE
Located in the gated Delphi Hills community of South Lakeland, this beautiful Hulbert Home offers spacious living with 4 bedrooms, 3 baths, a private office or study, and a desirable triple-split bedroom plan. Open concept Great room/kitchen plus with a formal dining room. Situated on a corner lot, the home features high ceilings, extensive custom crown molding, wood flooring throughout the main living areas, ceramic tile in the bathrooms, and brick pavers on the driveway and front and rear patios. The spacious primary suite includes two walk-in closets and a beautifully appointed en-suite bath with dual quartz-topped vanities, a soaking tub, linen closet, and an impressive double-entry walk-in shower. The kitchen is designed for both everyday living and entertaining with quartz countertops, stainless steel appliances, a gas range, closet pantry, abundant cabinetry, and a casual dining nook. A side-entry 3-car garage provides plenty of parking and storage, while the spacious backyard offers plenty of room for outdoor living and the addition of a pool. Delphi Hills is a gated, natural gas community conveniently located near Publix, schools, shopping and dining, with easy access to the Polk Parkway and everything South Lakeland has to offer. Quality construction, a thoughtful floor plan, and an excellent location make this Hulbert Home one you won't want to miss!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,847
Sqft
0.39 ac
Lot size
3
Garage
2023
Year built
One
Levels
$337
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.
$6,807 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,807/mo
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.
vs edgeAI estimate
+77.1%
$/sqft vs Lakeland actives
$337 vs $196
Days on market
29 vs 67 typical
Where $337/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 33812 — neighborhood snapshot
Population
14,836
Median age
38.9
Median income
$100,569
Median home value
$335,000
Avg household
3.02
Households w/ children
1,880
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)
240 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 140% above the LAKELAND 33812 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 5405 DELPHI HILLS CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$1,200,000
2668 DELPHI HILLS COURT · same community
4 bd · 3 ba · 3,186 sqft · $377/sqft · 46 DOM
Sold · Oct ’25$424,900
6244 NAPA DRIVE
4 bd · 2 ba · 2,814 sqft · $151/sqft · 235 DOM
Sold · Feb ’26$650,000
5928 VALENTINO WAY
5 bd · 3 ba · 2,952 sqft · $220/sqft · 108 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 5405 DELPHI HILLS CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5405 DELPHI HILLS CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5405 DELPHI HILLS CIRCLE FAQs
What would the monthly payment be for 5405 DELPHI HILLS CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,807/mo — principal and interest, the actual property-tax bill, the $154/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 5405 DELPHI HILLS CIRCLE?+
The association fee works out to $154 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5405 DELPHI HILLS CIRCLE?+
The most recent tax bill on record (2025) was $11,444. 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 5405 DELPHI HILLS CIRCLE?+
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 $959,900, this home is listed about 187% above the Lakeland median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5405 DELPHI HILLS CIRCLE?+
George W. Jenkins Senior High (high), Spessard L Holland Elementary (elementary), Lakeland Highlands Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Brian Stephens. MLS #L4964736.
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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