557 SCOTT LAKE CREEK LANE, LAKELAND, FL, 33813
Active117 days on marketListed Apr 22, 2026MLS #O6401273
About this home
557 SCOTT LAKE CREEK LANE
Welcome to this gorgeous home located in the highly desired community, Meadows at Scott Lake Creek, featuring LOW HOA and NO CDD! As you enter the front entryway, you will immediately notice the high ceiling, and the tall French door showcasing the pond outside the backyard. This home features an open-concept kitchen and great room to add the ideal space for entertaining. The fully equipped kitchen comes with granite countertops, 42" cabinets, soft close cabinets and drawers, 8" deep self rimming sink, pull out trash/recycle bin, custom kitchen backsplash, and lots of storage. There are 4 spacious bedrooms in this home, besides the master bedroom, there is a second bedroom with its own full bathroom. This home comes with many upgrades such as energy efficient hybrid water heater, wi-fi smart thermostat, rounded wall corners, insulated ceiling, Kwikset door hardwares, and extra windows for natural lights. The home is conveniently located in the heart of Lakeland with easy access to major roads, restaurants, supermarkets, and shopping centers.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,333
Sqft
0.14 ac
Lot size
2
Garage
2022
Year built
One
Levels
$171
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.
$3,149 /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
$3,149/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
$171 vs $193
Days on market
117 vs 45 typical
Where $171/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 33813 — neighborhood snapshot
Population
38,112
Median age
39.9
Median income
$96,723
Median home value
$330,100
Avg household
2.72
Households w/ children
5,079
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 → $323K
Lakeland median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
223 of 400
Lakeland actives have cut their price
Median sold price, Lakeland, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 557 SCOTT LAKE CREEK LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$380,000
6308 CHRISTINA PARKWAY
3 bd · 3 ba · 2,320 sqft · $164/sqft · 93 DOM
Sold · Oct ’25$440,000
103 OAK SQUARE N
4 bd · 2 ba · 2,317 sqft · $190/sqft · 7 DOM
Sold · Mar ’26$370,000
95 WOODSIDE DRIVE
3 bd · 2 ba · 2,315 sqft · $160/sqft · 6 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
Jasmine Ince
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 557 SCOTT LAKE CREEK LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 557 SCOTT LAKE CREEK LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Jasmine's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
557 SCOTT LAKE CREEK LANE FAQs
What would the monthly payment be for 557 SCOTT LAKE CREEK LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,149/mo — principal and interest, the actual property-tax bill, the $51/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 557 SCOTT LAKE CREEK LANE?+
The association fee works out to $51 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 557 SCOTT LAKE CREEK LANE?+
The most recent tax bill on record (2025) was $4,948. 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 557 SCOTT LAKE CREEK LANE?+
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 $399,000, this home is listed about 18% above the Lakeland median of $339,000. The market section on this page shows how the area is trending.
Which schools are assigned to 557 SCOTT LAKE CREEK LANE?+
Medulla Elementary School (elementary), Southwest 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
01Water views
The water view is part of what you're buying — views hold value independently of the structure.
02Time on market is leverage
117 days on market against a Lakeland median of 45 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $435,000, now $399,000 — a $36K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of AAA GLOBAL VENTURES PA · Amy Guo. MLS #O6401273.
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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