2309 LAKE JAMES WAY, LAKELAND, FL, 33810
Active1 days on marketListed Sep 2, 2026MLS #L4964762
About this home
2309 LAKE JAMES WAY
Enjoy waterfront living at Lake James in this beautifully maintained and extensively updated home! The property features new double-pane Window World windows, a new Integrity roof, new blinds and shades throughout, new gutters, a new storm door, and a new roll-up garage screen. The interior and exterior were freshly painted in 2023, along with new carpet in the living room, bedrooms, and den. The kitchen has been beautifully upgraded with quartz countertops, new wood cabinetry, backsplash, a new kitchen sink and faucets, custom pantry shelving, custom framework around the kitchen bar, and LG refrigerator, microwave, and dishwasher—all completed in 2023. Both bathrooms received quartz countertops, new sinks and faucets, comfort-height toilets, and updated light fixtures. Additional improvements include a whole-house water filtration system (2021), epoxy-coated garage floor, driveway, and sidewalk (2022), new A/C units (2022), garage utility sink (2023), new hot water heater (2025), and an electronic patio awning with dimmable lighting (2025). With extensive updates already completed and a beautiful waterfront setting, this Lake James home offers the perfect combination of comfort, convenience, and Florida living!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,931
Sqft
0.17 ac
Lot size
2
Garage
2006
Year built
One
Levels
$223
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.
$3,588 /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
$3,588/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
+20.7%
Days on market
1 vs 43 typical
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)
Median sold price, Lakeland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 31% above the LAKELAND 33810 median. See the full Lakeland market guide →
Paper trail
This home's history
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
Darrick Cook
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2309 LAKE JAMES WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2309 LAKE JAMES WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Darrick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2309 LAKE JAMES WAY FAQs
What would the monthly payment be for 2309 LAKE JAMES WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,588/mo — principal and interest, the actual property-tax bill, the $310/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 2309 LAKE JAMES WAY?+
The association fee works out to $310 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2309 LAKE JAMES WAY?+
The most recent tax bill on record (2025) was $4,770. 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 2309 LAKE JAMES WAY?+
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 $429,900, this home is listed about 28% above the Lakeland median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2309 LAKE JAMES WAY?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$429,900 runs 31% above the LAKELAND 33810 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 1 day on market in a Lakeland market that averages 43 — if it fits, move quickly.
Listing courtesy of HARPER REALTY FL, LLC · Curtis Yopp. MLS #L4964762.
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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