7851 LAKE JAMES BOULEVARD, LAKELAND, FL, 33810
Pending40 days on marketListed Sep 15, 2026MLS #L4964957
About this home
7851 LAKE JAMES BOULEVARD
MOTIVATED SELLER* OFFERING AN AMAZING PRICE ADJUSTMENT!!!~Welcome to 7851 Lake James Blvd, a beautifully upgraded residence nestled within the gated 55+ Lake James community, where refined Florida living meets thoughtful design, exceptional privacy, and effortless comfort. Built by Ernie White Construction, this distinctive home has been enhanced with an impressive collection of custom features and modern upgrades. Inside, upgraded flooring flows throughout the home, complemented by an expanded, beautifully designed kitchen featuring a gas range. Elegant wainscoting adds timeless character to the dining area, while the versatile office offers something truly special: a custom-built queen Murphy bed, cabinetry, L-shaped desk, and closet. This flexible space provides an ideal third bedroom, home office, guest retreat, or multi-purpose living area. Natural light and thoughtful improvements continue throughout the home. Solar tubes brighten the primary suite and laundry room, while window film, electronic retractable lanai sunshades, upgraded insulation, HVAC UV lights, and an updated electrical panel with whole-home surge protection enhance comfort and peace of mind. Newer energy-efficient shades and blinds throughout the home include blackout shades in the primary and guest bedrooms. Step outside and discover a private nature retreat. The beautifully landscaped back and side yard overlooks mature cedar and oak trees and a year-round pond that attracts a wonderful variety of birdlife. The front of the home offers serene views of swaying palms and lush landscaping. The expansive screened lanai features electronic sunshades and sealed pavers, creating an inviting setting for morning coffee, quiet afternoons, or entertaining. A screened two-bay garage, painted garage floor, and professionally installed storage closets add exceptional functionality. Residents of Lake James enjoy a well-rounded HOA package that includes lawn mowing and edging, yard pest and fertilizer treatments, 1-gig internet and TV, and maintenance of the community's common areas—including walkways, heated pool, clubhouse, gates and fencing, roads, sewer, ponds, and landscaped greenspace. With its rare combination of privacy, custom upgrades, flexible living space, beautiful natural surroundings, and resort-style community amenities, 7851 Lake James Blvd offers an elevated and exceptionally comfortable Florida lifestyle in a gated 55+ community.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,967
Sqft
0.15 ac
Lot size
3
Garage
2020
Year built
One
Levels
$228
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.
$4,125 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$4,125/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+23.4%
$/sqft vs Lakeland actives
$228 vs $194
Days on market
40 vs 62 typical
Where $228/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 → $322K
Lakeland median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
223 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 34% above the LAKELAND 33810 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 7851 LAKE JAMES BOULEVARD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$300,000
7198 CEDARCREST BOULEVARD
4 bd · 3 ba · 1,946 sqft · $154/sqft · 48 DOM
Sold · Sep ’26$360,900
2274 VICTORY RIDGE DRIVE
4 bd · 2 ba · 2,005 sqft · $180/sqft · 68 DOM
Sold · Oct ’26$367,610
2235 VICTORY RIDGE DRIVE
4 bd · 2 ba · 2,005 sqft · $183/sqft · 0 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 7851 LAKE JAMES BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7851 LAKE JAMES BOULEVARD — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
7851 LAKE JAMES BOULEVARD FAQs
What would the monthly payment be for 7851 LAKE JAMES BOULEVARD?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $4,125/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 7851 LAKE JAMES BOULEVARD?+
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 7851 LAKE JAMES BOULEVARD?+
The most recent tax bill on record (2026) was $4,482. 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 7851 LAKE JAMES BOULEVARD?+
The listing reports pets: Number Limit. 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 $449,000, this home is listed about 35% above the Lakeland median of $332,490. The market section on this page shows how the area is trending.
Which schools are assigned to 7851 LAKE JAMES BOULEVARD?+
R. Clem Churchwell Elementary School (elementary), Sleepy Hill Middle School (middle), 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
$449,000 runs 34% above the LAKELAND 33810 median.
02Trees/Woods & Water views
The trees/woods and water view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $490,000, now $449,000 — a $41K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DREAM REALTY GROUP · Beth Lusa. MLS #L4964957.
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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