2735 BERKFORD CIRCLE, LAKELAND, FL, 33810
Pending98 days on marketListed May 6, 2026MLS #O6405027
About this home
2735 BERKFORD CIRCLE
Buy this home with 100% Financing (USDA) ask about it. Step into a home where STYLE, SPACE, AND MAJOR UPGRADES come together effortlessly. This impressive 4-BEDROOM, 3-BATH POOL HOME offers 2,406 SQ FT of well-designed living space with a highly desirable SPLIT FLOOR PLAN that delivers both privacy and versatility. From the moment you enter, you’ll notice the seamless PORCELAIN TILE FLOORING throughout, creating a clean, modern look. The kitchen is built for both function and flow, featuring STAINLESS STEEL APPLIANCES, AMPLE STORAGE, and an inviting eat-in area that opens directly to a bright and airy family room with HIGH CEILINGS and NATURAL LIGHT. The primary suite is a true retreat with a WALK-IN CLOSET, DUAL SHOWERS, DUAL VANITIES, a SOAKING TUB, and DIRECT ACCESS TO THE POOL. On the opposite side, a SECOND PRIMARY SUITE with its own UPDATED BATH and PRIVATE POOL ACCESS makes this home perfect for guests or MULTI-GENERATIONAL LIVING. Out back, enjoy your own private escape with a HEATED POOL and EXPANSIVE PAVER DECK (2022), complemented by a COVERED PORCH (2022) and EXTENDED PATIO ideal for entertaining. The LOW-MAINTENANCE YARD and 6-FT VINYL FENCE provide added privacy and ease. Major upgrades include: NEW ROOF (2026), NEW A/C (2023), NEW WATER HEATER (2025), POOL & DECK (2022), PORCH (2022). Located in a NO FLOOD ZONE with a LOW HOA of just $600/YEAR. This property delivers the perfect mix of UPGRADES, FUNCTIONALITY, AND LIFESTYLE. Schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,406
Sqft
0.24 ac
Lot size
2
Garage
2005
Year built
One
Levels
$197
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.
$3,550 /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
$3,550/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.
Where it sits
Inside Copper Ridge
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Copper Ridge — neighborhood snapshot
Population
1,531
Median age
35
Median income
$60,733
Median home value
$293,800
Avg household
3
Households w/ children
310
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 42% above the LAKELAND 33810 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
Kemarie Johnson
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2735 BERKFORD CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2735 BERKFORD CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2735 BERKFORD CIRCLE FAQs
What would the monthly payment be for 2735 BERKFORD CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,550/mo — principal and interest, the actual property-tax bill, the $50/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 2735 BERKFORD CIRCLE?+
The association fee works out to $50 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2735 BERKFORD CIRCLE?+
The most recent tax bill on record (2025) was $4,006. 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 2735 BERKFORD CIRCLE?+
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 $475,000, this home is listed about 41% above the Lakeland median of $337,300. The market section on this page shows how the area is trending.
Which schools are assigned to 2735 BERKFORD CIRCLE?+
R. Clem Churchwell Elementary School (elementary), Sleepy Hill Middle School (middle), Kathleen Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$475,000 runs 42% above the LAKELAND 33810 median — but at 2,406 sqft it's also 40% larger than the typical Lakeland listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
98 days on market against a Lakeland median of 45 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $485,000, now $475,000 — a $10K cut. The full history is in the market section below.
Listing courtesy of EXP REALTY LLC · Ariel Vargas. MLS #O6405027.
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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