5152 PENELOPE TRAIL, LAKELAND, FL, 33811
Pending174 days on marketListed Feb 16, 2026MLS #O6383065
About this home
5152 PENELOPE TRAIL
Under Construction. *Photos are of similar model but not that of the exact house. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability, and amenities are subject to change and prior sale at any time without notice or obligation. Please note that no representations or warranties are made regarding school districts or school assignments; you should conduct your own investigation regarding current and future schools and school boundaries.*
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,665
Sqft
0.1 ac
Lot size
2
Garage
2025
Year built
One
Levels
$192
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.
$2,489 /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
$2,489/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
−2.9%
Days on market
174 vs 44 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
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 → $316K
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 10% below the LAKELAND 33811 median. See the full Lakeland market guide →
Paper trail
This home's history
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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 5152 PENELOPE TRAIL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5152 PENELOPE TRAIL — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5152 PENELOPE TRAIL FAQs
What would the monthly payment be for 5152 PENELOPE TRAIL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,489/mo — principal and interest, the actual property-tax bill, the $40/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 5152 PENELOPE TRAIL?+
The association fee works out to $40 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5152 PENELOPE TRAIL?+
The most recent tax bill on record (2025) was $3,173. 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 5152 PENELOPE TRAIL?+
The listing reports pets: 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 $319,900, this home is listed about 6% below the Lakeland median of $339,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5152 PENELOPE TRAIL?+
Medulla 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.
The brief
Three things that matter here
01Under the LAKELAND 33811 market on paper
$319,900 is 10% below the LAKELAND 33811 median of $354,000, and at $192/sqft it sits under the Lakeland average of $207.
02Time on market is leverage
174 days on market against a Lakeland median of 44 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $331,490, now $319,900 — a $12K cut. The full history is in the market section below.
Listing courtesy of DR HORTON REALTY OF CENTRAL FLORIDA LLC · Paul King. MLS #O6383065.
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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