822 & 830 SHIRLEY ANN TRAIL, LAKELAND, FL, 33809
Active4 days on marketListed Oct 14, 2026MLS #L4965785
About this home
822 & 830 SHIRLEY ANN TRAIL
EXCELLENT INVESTMENT OPPORTUNITY IN GROWING NORTH LAKELAND! Don't miss this opportunity to acquire TWO well-maintained, income-producing concrete block duplexes at 822/824 and 830/832 Shirley Ann Trail, Lakeland, FL 33809! Together, these properties offer FOUR spacious 2-bedroom, 2-bathroom rental units, all currently occupied, generating $5,245 in monthly rental income and $62,940 in annual gross rental income! At a combined asking price of $699,800, this represents an attractive 9.0% GROSS ANNUAL RENTAL YIELD based on current rents, before operating expenses! Current monthly rents are $1,400, $1,400, $1,295, and $1,150, offering investors established income from day one. The duplex at 822/824 features a newer 2025 architectural shingle roof, fresh interior and exterior paint, and durable tile flooring throughout. The adjoining duplex at 830/832 will have a NEW ROOF installed prior to closing, providing additional value and peace of mind! Conveniently located in desirable North Lakeland, just minutes from I-4 with easy access to Tampa and Orlando, these properties are also close to US Highway 98 North, Walmart, shopping, restaurants, public transportation, and major employment centers. Lakeland continues to attract residents and businesses thanks to its strategic Central Florida location, expanding employment opportunities, and ongoing economic development, making it an attractive market for real estate investors. With established rental income, a history of long-term tenant renewals, and significant recent improvements, this is an excellent opportunity to expand your investment portfolio! IMPORTANT: BOTH DUPLEXES ARE BEING SOLD TOGETHER AS A FOUR-UNIT INVESTMENT PACKAGE. SELLER WILL NOT SELL THE PROPERTIES INDIVIDUALLY. Whether you're an experienced investor looking to expand your portfolio or seeking your next income-producing property, this opportunity deserves your attention! CALL TODAY for additional information, rental details, and an opportunity to make these FOUR income-producing units yours!
Facts & features
The home at a glance
8
Bedrooms
1,938
Sqft
0.54 ac
Lot size
1978
Year built
One
Levels
$348
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.
$4,846 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,846/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs Lakeland actives
$348 vs $194
Days on market
4 vs 61 typical
Where $348/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 Gibsonia
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Gibsonia — neighborhood snapshot
Population
4,638
Median age
39
Median income
$68,792
Median home value
$269,302
Avg household
3
Households w/ children
651
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)
222 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 121% above the LAKELAND 33809 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 822 & 830 SHIRLEY ANN TRAIL
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$750,000
7616 GREEN ROAD
7 bd · 4 ba · 3,273 sqft · $229/sqft · 4 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 822 & 830 SHIRLEY ANN TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 822 & 830 SHIRLEY ANN TRAIL — 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
822 & 830 SHIRLEY ANN TRAIL FAQs
What would the monthly payment be for 822 & 830 SHIRLEY ANN TRAIL?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,846/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 822 & 830 SHIRLEY ANN TRAIL?+
The most recent tax bill on record (2025) was $9,587. 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 822 & 830 SHIRLEY ANN TRAIL?+
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 $673,500, this home is listed about 104% above the Lakeland median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 822 & 830 SHIRLEY ANN TRAIL?+
Edgar L. Padgett Elementary (elementary), Lake Gibson Middle School (middle), Lake Gibson Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$673,500 runs 121% above the LAKELAND 33809 median.
02City views
The city view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 4 days on market in a Lakeland market that averages 61 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of LAKELAND HOMES AND REALTY, LLC · Milton De La Cruz. MLS #L4965785.
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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