CENTURY 21 Edge
$399,0005 bd3 ba2,885 sqft$138 /sqft≈$3,385 /mo all-in ↓

5685 ARLINGTON RIVER DRIVE, LAKELAND, FL, 33811

Active2 days on marketListed Oct 8, 2026MLS #L4965648

Single Family ResidenceRIVERSTONE PH 2

Come see it

Upcoming open house

Sat, Oct 17

11:00 AM – 1:00 PM

About this home

5685 ARLINGTON RIVER DRIVE

$5,000 towards closing costs!!! Welcome to this spacious two-story home in the desirable Riverstone community of Lakeland, FL! Featuring five bedrooms, three full bathrooms, an attached two-car garage, and an extended driveway, this home offers plenty of space, flexibility, and functionality for everyday living. you enter, a welcoming foyer leads into the main living area, where the open floor plan creates a seamless flow between the living room, dining area, and kitchen. The main floor also features a convenient bedroom and full bathroom, perfect for guests or multigenerational living. A walk-in pantry provides excellent storage, while the dedicated office features beautiful sliding barn doors, creating a stylish and functional workspace. Upstairs, you'll find four additional bedrooms, including the spacious primary suite. Three secondary bedrooms share a full bathroom complete with dual sinks. The primary suite offers a private retreat with an ensuite bathroom and a large walk-in closet. A versatile second-floor common area provides even more living space and can easily be used as a family room, playroom, media area, or additional workspace. Step outside to enjoy the best of Florida living! The large screened-in, covered lanai is perfect for relaxing, dining, or entertaining while overlooking the spacious backyard. Beyond the backyard, a natural preserve provides a peaceful backdrop and adds to the privacy and serene feel of the outdoor space. Residents of Riverstone also enjoy access to two community pools, providing additional opportunities to relax, swim, and enjoy the Florida lifestyle. With five bedrooms, three full bathrooms, multiple living spaces, a dedicated office, generous storage, a large screened-in lanai, and a backyard backing to a preserve, this home offers the space, flexibility, and privacy you've been looking for. Come see all that this Riverstone home has in store!

Facts & features

The home at a glance

5

Bedrooms

3

Bathrooms

2,885

Sqft

0.15 ac

Lot size

2021

Year built

Two

Levels

$138

Per sqft

Inside

FlooringCarpet · Tile
AppliancesOther
InteriorCeiling Fan(s) · Open Floorplan · PrimaryBedroom Upstairs · Stone Counters · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingHeat Pump

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesSouth
ExteriorPrivate Yard · Sidewalk

Community & fees

HOA fee$8/mo
Taxes (2025)$8,301/yr
PetsCats OK, Dogs OK
CommunityClubhouse · Community Mailbox · Deed Restrictions · Dog Park · Playground · Pool · Sidewalks

Utilities & systems

UtilitiesElectricity Available
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.

$3,385 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,349
FHA mortgage insurance (est.)$176
Property tax — 2025 actual bill$692
HOA fee — from the listing$8
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,965Loan30-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% · $13,965
Interest rate6.00%
Loan term

Estimated payment

$3,385/mo

Principal & interest$2,349
FHA mortgage insurance (est.)$176
Property taxes (actual bill)$692
HOA / condo fee$8
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 $399K
$361KedgeAI estimate $387,395 · range $376K–$422K$438K

vs edgeAI estimate

+3%

$/sqft vs RIVERSTONE PH 2

$138 vs $149

Days on market

2 vs 67 typical

Where $138/sqft sits among the 7 homes for sale in RIVERSTONE PH 2

1
0
2 · this home
1
1
2
$111–123$123–136$136–149$149–161$161–174$174+

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≈ 45 min
Tampa Int’l Airport (TPA)≈ 57 min
Walt Disney World≈ 59 min
Universal Orlando≈ 69 min

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

ElementaryJames W. Sikes Elementary School★★★★★
HighMulberry Senior High School★★★★★
MiddleMulberry Middle School★★★★★

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)

5 of 7

RIVERSTONE PH 2 have cut their price

Median sold price, Lakeland, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 16% above the LAKELAND 33811 median. See the full Lakeland market guide →

Paper trail

This home's history

Oct 8, 2026Listed at $399,000 · 2 days on market since
2021Built · RIVERSTONE PH 2

Reality check

What actually sold near 5685 ARLINGTON RIVER DRIVE

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

5837 ARLINGTON RIVER DRIVESold · Nov ’25

$370,000

5837 ARLINGTON RIVER DRIVE · same community

5 bd · 3 ba · 2,611 sqft · $142/sqft · 7 DOM

5424 ARLINGTON RIVER DRIVESold · Jan ’26

$355,000

5424 ARLINGTON RIVER DRIVE · same community

4 bd · 3 ba · 2,160 sqft · $164/sqft · 83 DOM

5892 ARLINGTON RIVER DRIVESold · Dec ’25

$399,900

5892 ARLINGTON RIVER DRIVE · same community

3 bd · 2 ba · 1,851 sqft · $216/sqft · 54 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 5685 ARLINGTON RIVER 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 5685 ARLINGTON RIVER 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

5685 ARLINGTON RIVER DRIVE FAQs

What would the monthly payment be for 5685 ARLINGTON RIVER DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,385/mo — principal and interest, the actual property-tax bill, the $8/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 5685 ARLINGTON RIVER DRIVE?+

The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 5685 ARLINGTON RIVER DRIVE?+

The most recent tax bill on record (2025) was $8,301. 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 5685 ARLINGTON RIVER DRIVE?+

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 $399,000, this home is listed about 19% above the Lakeland median of $335,000. The market section on this page shows how the area is trending.

Which schools are assigned to 5685 ARLINGTON RIVER DRIVE?+

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.

Listing courtesy of S & D REAL ESTATE SERVICE LLC · Lana Gallant. MLS #L4965648.

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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5685 ARLINGTON RIVER DRIVE, LAKELAND, FL — 5 Bed, 3 Bath — $399,000 | CENTURY 21 Edge