CENTURY 21 Edge
$232,9002 bd2 ba1,418 sqft$164 /sqft≈$1,734 /mo all-in ↓

4069 SHADE TREE LANE, LAKELAND, FL, 33812

Active0 days on marketListed Oct 10, 2026MLS #L4965651

✦ Priced 42% below the LAKELAND 33812 medianVillaAUTUMNWOOD GROVE REPLAT

About this home

4069 SHADE TREE LANE

Welcome to 4069 Shadetree Lane, where peaceful pond views, comfortable single-level living, and low-maintenance convenience come together in the desirable gated community of Autumnwood Grove! Lovingly maintained by its original owner, this charming South Lakeland villa offers 2 bedrooms, 2 bathrooms, approximately 1,418 square feet of living space, and a beautiful waterfront backdrop that can be enjoyed right from the heart of the home. Everything is conveniently located on one level, with no interior stairs, making everyday living both comfortable and accessible. Step inside to discover an inviting floor plan featuring a spacious living room, dedicated dining or versatile flex area, and functional kitchen designed for everyday living. One of the home's standout features is the beautiful pond view visible through the sliding glass doors from the main living area, allowing you to enjoy the peaceful scenery and natural light without ever stepping outside. The sliding doors lead directly to a screen-enclosed lanai overlooking the tranquil pond and mature trees, creating the perfect place to enjoy morning coffee, relax in the evenings, or entertain guests while taking in the serene surroundings. The thoughtfully designed split-bedroom floor plan offers privacy and comfort, with the primary suite featuring its own bathroom and walk-in closet. A generously sized secondary bedroom and full guest bathroom provide comfortable accommodations for visitors. The flex room offers versatility for a home office, hobby space, reading retreat, or additional sitting area, all conveniently situated on the same level. Outside, this villa offers features that truly set it apart, including an attached single-car garage with a dedicated private driveway for additional parking, along with convenient guest parking located directly adjacent to the property. Sidewalks and welcoming front green space add to the neighborhood's charm and create an inviting setting. Enjoy the benefits of low-maintenance living with an HOA that handles exterior building maintenance, lawn care, and common-area upkeep. Association services may also include roof maintenance and replacement and exterior painting, subject to the community's governing documents. The gated community features a swimming pool for residents to enjoy. Location is another highlight! Conveniently situated near Polk State College and RaceTrac, with Highland City Publix just a short drive away, this property provides easy access to shopping, dining, and everyday essentials. Nearby Fort Fraser Trail offers opportunities for walking, jogging, and biking, while convenient access to the Polk Parkway makes commuting throughout Central Florida a breeze. Whether you're looking to downsize, purchase your first home, or simply enjoy the ease of single-story villa living with no interior stairs, 4069 Shadetree Lane offers a wonderful combination of waterfront scenery, functional living space, dedicated parking, and community amenities. Offered at $232,900, this single-level pond-view villa is ready for its next chapter. Schedule your private showing today and experience the comfort and convenience of Autumnwood Grove!

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,418

Sqft

0 ac

Lot size

1

Garage

2012

Year built

One

Levels

$164

Per sqft

Trees/Woods viewNegotiablePets allowed

Inside

FlooringLaminate · Tile
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · High Ceilings · Open Floorplan · Solid Surface Counters · Split Bedroom · Stone Counters · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewTrees/Woods
FacesNortheast
ExteriorIrrigation System · Sliding Doors

Community & fees

Taxes (2025)$1,202/yr
PetsCats OK, Dogs OK, Yes
CommunityDeed Restrictions · Gated Community - No Guard · Irrigation-Reclaimed Water · Pool · Sidewalks

Utilities & systems

UtilitiesCable Available · Sprinkler Well · Street Lights
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$1,734 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,371
FHA mortgage insurance (est.)$103
Property tax — 2025 actual bill$100
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $8,152Loan30-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% · $8,152
Interest rate6.00%
Loan term

Estimated payment

$1,734/mo

Principal & interest$1,371
FHA mortgage insurance (est.)$103
Property taxes (actual bill)$100
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 $233K
$142KedgeAI estimate $152,925 · range $148K–$158K$242K

vs edgeAI estimate

+52.3%

Days on market

0 vs 67 typical

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≈ 42 min
Walt Disney World≈ 47 min
Tampa Int’l Airport (TPA)≈ 53 min
Universal Orlando≈ 57 min
Downtown Orlando≈ 63 min
Orlando Int’l Airport (MCO)≈ 68 min

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

Get to know Lakeland. See the full Lakeland guide →

LAKELAND 33812 — neighborhood snapshot

Population

14,836

Median age

38.9

Median income

$100,569

Median home value

$335,000

Avg household

3.02

Households w/ children

1,880

For the school run

Polk County School District

HighGeorge W. Jenkins Senior High★★★★★
ElementarySpessard L Holland Elementary★★★★★
MiddleLakeland Highlands 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)

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

This home is listed 42% below the LAKELAND 33812 median. See the full Lakeland market guide →

Paper trail

This home's history

Oct 10, 2026Listed at $232,900 · 0 days on market since
2012Built · AUTUMNWOOD GROVE REPLAT

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.

Kevin Johnson

Your agent

Kevin Johnson

CEO & Managing Broker · CENTURY 21 Edge

Tours, negotiation, and every question about 4069 SHADE TREE LANE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4069 SHADE TREE LANE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

4069 SHADE TREE LANE FAQs

What would the monthly payment be for 4069 SHADE TREE LANE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,734/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 4069 SHADE TREE LANE?+

The most recent tax bill on record (2025) was $1,202. 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 4069 SHADE TREE LANE?+

The listing reports pets: Cats OK, Dogs OK, 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 $232,900, this home is listed about 30% below the Lakeland median of $335,000. The market section on this page shows how the area is trending.

Which schools are assigned to 4069 SHADE TREE LANE?+

George W. Jenkins Senior High (high), Spessard L Holland Elementary (elementary), Lakeland Highlands 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 33812 market on paper

$232,900 is 42% below the LAKELAND 33812 median of $399,900, and at $164/sqft it sits under the Lakeland average of $202.

02Trees/Woods views

The trees/woods view is part of what you're buying — views hold value independently of the structure.

03Fresh on the market

Listed today in a Lakeland market that averages 67 — if it fits, move quickly.

Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Christine Hubbert. MLS #L4965651.

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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