123 ELM SQUARE S, LAKELAND, FL, 33813
Active15 days on marketListed Sep 25, 2026MLS #L4965366
About this home
123 ELM SQUARE S
Welcome home! This beauty is truly move in ready and has been lovingly maintained. Conveniently located near two hospitals, Lakeside Village for shopping, many local restaurants, several grocery stores and within minutes of the Polk Parkway. Christina Woods has sidewalks galore for easy walking, jogging and biking and is zoned for some pretty great schools too. Let's talk about the kitchen-brick floors, a new chimney-style hood vent, beautiful butcher block counter tops and a breakfast bar- just a few details that add to the homey feel here. The generous size living room, separate family room and a large screen lanai make this home a perfect place to entertain. As a bonus, the back yard shed would be the perfect detached office, she-shed or man cave as it has a dedicated 100-amp subpanel, mini split AC, wired and wireless internet, an outdoor shower and sink and vinyl plank flooring. The back yard is 95% fenced but there is a completely fenced dog run.This one is waiting for its next happy occupants! A few recent updates include interior and exterior paint, can lighting, ceiling fans, LVP flooring, brand new carpet in family room and guest bedrooms, security lighting in soffit, ceilings re-floated and textured throughout and crown molding. The roof was recently inspected and the seller said it is in great shape. Please verify measurements. Agent is related to sellers.**1 OR MORE PICTURES HAVE BEEN VIRTUALLY STAGED
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,748
Sqft
0.26 ac
Lot size
2
Garage
1975
Year built
One
Levels
$215
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 — not generic estimates.
$2,760 /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
$2,760/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
+17.3%
$/sqft vs Lakeland actives
$215 vs $194
Days on market
15 vs 67 typical
Where $215/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 Christina Woods
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Christina Woods — neighborhood snapshot
Population
2,765
Median age
43
Median income
$110,077
Median home value
$340,637
Avg household
3
Households w/ children
355
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)
248 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 6% below the LAKELAND 33813 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 123 ELM SQUARE S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$355,000
6211 ELM SQUARE W · same community
3 bd · 2 ba · 1,766 sqft · $201/sqft · 69 DOM
Sold · Oct ’25$360,000
6230 ELM SQUARE E · same community
3 bd · 2 ba · 1,686 sqft · $214/sqft · 6 DOM
Sold · Feb ’26$390,000
6320 OAK COURT · same community
4 bd · 2 ba · 1,845 sqft · $211/sqft · 19 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 123 ELM SQUARE S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 123 ELM SQUARE S — 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
123 ELM SQUARE S FAQs
What would the monthly payment be for 123 ELM SQUARE S?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,760/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 123 ELM SQUARE S?+
The most recent tax bill on record (2025) was $2,724. 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 123 ELM SQUARE S?+
The listing reports pets: Cats OK, Dogs OK. 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 $375,000, this home is listed about 12% above the Lakeland median of $333,450. The market section on this page shows how the area is trending.
Which schools are assigned to 123 ELM SQUARE S?+
Scott Lake Elementary School (elementary), Lakeland Highlands Middle School (middle), George W. Jenkins Senior High (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of S & D REAL ESTATE SERVICE LLC · Susan Conner. MLS #L4965366.
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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