3945 SERENADE LANE UNIT 524, LAKELAND, FL, 33811
Active9 days on marketListed Oct 1, 2026MLS #L4965487
About this home
3945 SERENADE LANE UNIT 524
Welcome to 3945 Serenade Lane, a beautifully maintained 3-bedroom, 2-bath condo with a 2-car garage offering comfort, convenience, and an incredible view of Lake Melody. This home has been thoughtfully updated with a brand-new roof and new AC system, (Roof - Sept. 2026, AC - August 2026), with the AC including a 10-year warranty for added peace of mind. Inside, you’ll find beautiful Brazilian cherry wood flooring, newer windows, and a large picture window in the living room that showcases an amazing view of Lake Melody and brings in an abundance of natural light. The spacious layout includes a built-in desk, creating a convenient office or work-from-home area, along with a dedicated laundry room and plenty of comfortable living space. The guest bathroom features an upgraded walk-in tub, adding comfort and convenience to the home. The property also includes three mounted TVs, including a 4K 3D TV in the primary bedroom. Spectrum Internet is included in the monthly HOA fee, and the HOA handles all exterior maintenance, allowing you to enjoy a truly low-maintenance lifestyle. Residents also have access to fantastic community amenities, including a swimming pool, clubhouse, park, walking trails and more. With major 2026 updates already completed, beautiful lake views, a two-car garage, upgraded features, and an array of community amenities, this home offers an ideal combination of comfort, convenience, and Florida living. Don't miss the opportunity to make this Lake Melody condo your new home!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,863
Sqft
0.04 ac
Lot size
2
Garage
2006
Year built
One
Levels
$177
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.
$2,938 /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
$2,938/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
+9.6%
$/sqft vs Lakeland actives
$177 vs $194
Days on market
9 vs 67 typical
Where $177/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 33811 — neighborhood snapshot
Population
28,456
Median age
36.7
Median income
$85,821
Median home value
$289,800
Avg household
2.78
Households w/ children
3,489
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)
241 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 4% below the LAKELAND 33811 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 3945 SERENADE LANE UNIT 524
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$290,000
3901 SERENADE LANE UNIT 1 · same community
2 bd · 2 ba · 1,812 sqft · $160/sqft · 62 DOM
Sold · Jun ’26$299,000
3913 SERENADE LANE UNIT 4 · same community
2 bd · 2 ba · 1,722 sqft · $174/sqft · 256 DOM
Sold · Jun ’26$379,950
4175 WINDCHIME LANE
3 bd · 3 ba · 1,847 sqft · $206/sqft · 42 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3945 SERENADE LANE UNIT 524 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3945 SERENADE LANE UNIT 524 — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3945 SERENADE LANE UNIT 524 FAQs
What would the monthly payment be for 3945 SERENADE LANE UNIT 524?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,938/mo — principal and interest, the actual property-tax bill, the $600/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 3945 SERENADE LANE UNIT 524?+
The association fee works out to $600 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3945 SERENADE LANE UNIT 524?+
The most recent tax bill on record (2025) was $1,075. 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 3945 SERENADE LANE UNIT 524?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, 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 $330,000, this home is listed about 1% below the Lakeland median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3945 SERENADE LANE UNIT 524?+
James W. Sikes Elementary School (elementary), Mulberry Senior High School (high), Mulberry Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the LAKELAND 33811 market on paper
$330,000 is 4% below the LAKELAND 33811 median of $343,995, and at $177/sqft it sits under the Lakeland average of $202.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Know the monthly fee
The association fee is $600/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY SMART 1 · Jesi Oakley. MLS #L4965487.
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.
Never miss a listing
New Lakeland homes, in your inbox
Like 3945 SERENADE LANE UNIT 524 but not quite? A daily digest of every new listing in Lakeland — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Anealya to ping you on any price or status change →