CENTURY 21 Edge
$450,0004 bd2 ba2,289 sqft$197 /sqft≈$3,227 /mo all-in ↓

6436 BUTTERNUT DRIVE, LAKELAND, FL, 33813

Active15 days on marketListed Sep 25, 2026MLS #L4965263

Single Family ResidenceCHRISTINA OAKS PH 01

About this home

6436 BUTTERNUT DRIVE

Welcome to 6436 Butternut Drive, where space, comfort, and classic South Lakeland charm come together! Situated on a generous 0.28-acre corner lot in the established Christina Oaks community, this inviting 4-bedroom, 2-bath home offers 2,289 square feet of living space, an attached 2-car garage, and a flexible floor plan designed to give everyone a little room to call their own. From the moment you arrive, the corner setting and spacious lot help create an open and welcoming first impression. Step inside and you’ll find separate formal living and dining rooms, providing wonderful spaces for holiday dinners, entertaining friends and family, or simply enjoying a quieter place away from the main living area. At the heart of the home is an updated eat-in kitchen that flows into the spacious great room, creating an easy gathering place for everyday living. Whether you’re preparing dinner, catching up at the end of the day, or hosting friends for the weekend, this is a space designed to bring people together. A fireplace anchors the great room and adds warmth and character, making it an inviting spot to relax and unwind. The kitchen and bathrooms have also been updated, adding a refreshed feel while complementing the home’s comfortable and functional layout. The primary bedroom offers a relaxing retreat at the end of the day and features a large walk-in closet with plenty of storage. Three additional bedrooms provide flexibility for family and guests, while the fourth bedroom—with its own closet—could easily become the home office, den, hobby room, or flex space you’ve been looking for. And don’t forget about Florida living! Step outside to the large screen-enclosed patio, where there’s plenty of room to enjoy your morning coffee, relax with a good book, entertain friends, or wind down after a busy day. Beyond the patio, the white PVC-fenced backyard provides privacy and room to enjoy the outdoors, while the corner lot adds to the home’s sense of space. There’s plenty of substance behind the charm, too. The home was completely replumbed in 2023 and also received a new electric water heater that same year. Additional features include an architectural-shingle roof and a 4-ton heat pump HVAC system installed in 2010. With 2,289 square feet of living space, multiple living and dining areas, updated kitchen and bathrooms, a fireplace, flexible fourth bedroom, oversized screened outdoor living area, fenced backyard, 2-car garage, and a spacious corner lot, this Christina Oaks home offers the kind of versatility that can adapt right along with you. Come take a look, picture yourself at home, and see everything 6436 Butternut Drive has to offer!

Facts & features

The home at a glance

4

Bedrooms

2

Bathrooms

2,289

Sqft

0.28 ac

Lot size

2

Garage

1987

Year built

One

Levels

$197

Per sqft

FireplacePets allowed

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Disposal · Electric Water Heater · Microwave · Range
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · Kitchen/Family Room Combo · Primary Bedroom Main Floor · Solid Surface Counters · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco · Wood Siding
FoundationSlab
FacesWest
ParkingGarage Door Opener
ExteriorPrivate Mailbox · Sliding Doors

Community & fees

HOA fee$30/mo
Taxes (2025)$2,265/yr
PetsYes
CommunityNone

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Public · Sewer Connected · Water Connected
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.

$3,227 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,649
FHA mortgage insurance (est.)$199
Property tax — 2025 actual bill$189
HOA fee — from the listing$30
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,750Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,750
Interest rate6.00%
Loan term

Estimated payment

$3,227/mo

Principal & interest$2,649
FHA mortgage insurance (est.)$199
Property taxes (actual bill)$189
HOA / condo fee$30
Est. insurance$160

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.

List $450K
$354KedgeAI estimate $409,270 · range $368K–$449K$468K

vs edgeAI estimate

+10%

$/sqft vs Lakeland actives

$197 vs $194

Days on market

15 vs 67 typical

Where $197/sqft sits among the 400 Lakeland actives

87
124 · this home
106
43
14
26
$128–163$163–197$197–232$232–266$266–301$301+

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≈ 43 min
Tampa Int’l Airport (TPA)≈ 55 min
Walt Disney World≈ 56 min
Universal Orlando≈ 66 min
Downtown Orlando≈ 72 min

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

Get to know Lakeland. See the full Lakeland guide →

LAKELAND 33813 — neighborhood snapshot

Population

38,112

Median age

39.9

Median income

$96,723

Median home value

$330,100

Avg household

2.72

Households w/ children

5,079

For the school run

Polk County School District

ElementaryMedulla Elementary School★★★★★
MiddleSouthwest Middle School★★★★★
HighGeorge W. Jenkins Senior High★★★★★

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

The numbers that matter

The Lakeland market

Seller’s marketLeans seller — 4.0 months of inventoryBuyer’s market

$316K → $322K

Lakeland median sold, yr/yr

97.8%

Sale-to-list ratio (12 mo)

246 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 13% above the LAKELAND 33813 median. See the full Lakeland market guide →

Paper trail

This home's history

Sep 25, 2026Listed at $450,000 · 15 days on market since
1987Built · CHRISTINA OAKS PH 01

Reality check

What actually sold near 6436 BUTTERNUT DRIVE

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

6259 BUTTERNUT DRIVESold · May ’26

$450,000

6259 BUTTERNUT DRIVE · same community

3 bd · 2 ba · 2,302 sqft · $195/sqft · 3 DOM

421 OSPREY LANDING DRIVESold · May ’26

$435,000

421 OSPREY LANDING DRIVE

4 bd · 2 ba · 2,276 sqft · $191/sqft · 168 DOM

549 PENINSULAR DRIVESold · Sep ’26

$365,000

549 PENINSULAR DRIVE

3 bd · 2 ba · 2,272 sqft · $161/sqft · 53 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.

Donna Layton

Your agent

Donna Layton

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 6436 BUTTERNUT DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 6436 BUTTERNUT DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

6436 BUTTERNUT DRIVE FAQs

What would the monthly payment be for 6436 BUTTERNUT DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,227/mo — principal and interest, the actual property-tax bill, the $30/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 6436 BUTTERNUT DRIVE?+

The association fee works out to $30 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 6436 BUTTERNUT DRIVE?+

The most recent tax bill on record (2025) was $2,265. 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 6436 BUTTERNUT DRIVE?+

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 $450,000, this home is listed about 34% above the Lakeland median of $335,000. The market section on this page shows how the area is trending.

Which schools are assigned to 6436 BUTTERNUT DRIVE?+

Medulla Elementary School (elementary), Southwest Middle School (middle), George W. Jenkins Senior High (high) — Polk County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of EXP REALTY LLC · Rusty Shinault. MLS #L4965263.

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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