CENTURY 21 Edge
$260,0003 bd2 ba1,247 sqft$209 /sqft$1,945 /mo all-in ↓

2509 N FLORIDA AVENUE, LAKELAND, FL, 33805

Active19 days on marketListed Jul 27, 2026MLS #O6428444

Single Family ResidenceARMSTRONGS

About this home

2509 N FLORIDA AVENUE

Welcome to 2509 N. Florida Ave., Lakeland, FL 33805—a home that proves you don't have to sacrifice style, space, or freedom to find the perfect place to call home. Imagine pulling into your own oversized .28-acre property with NO HOA, where you have the flexibility to truly make your home your own. Whether you've dreamed of building a workshop, parking your boat or RV, creating the ultimate backyard oasis, or simply enjoying extra room to breathe, this property gives you the freedom that's becoming harder and harder to find. Step inside and you'll immediately notice the difference. This isn't just another house—it's a home that feels brand new from the moment you walk through the door. Sunlight pours into the open-concept living space, creating a warm, inviting atmosphere that's perfect for quiet evenings at home or hosting family and friends. At the heart of the home is a beautifully upgraded kitchen designed to impress. Rich espresso wood cabinetry, stunning granite countertops, brand-new stainless steel appliances, and a spacious walk-in pantry combine style with functionality. Flowing throughout the home is gorgeous luxury vinyl plank flooring, adding a modern, high-end feel that's as durable as it is beautiful. Every detail has been thoughtfully refreshed to create a truly move-in-ready experience. Within the last month alone, the home has received fresh interior paint, new doors, upgraded appliances, new flooring, and additional updates that make it feel fresh, modern, and worry-free. The care and attention invested in this property shine through in every room. Unlike many homes in this price range, this one offers custom touches, quality finishes, and a level of pride in ownership that's immediately noticeable. It's the perfect opportunity for first-time buyers, growing families, or anyone looking for a turnkey home without the endless list of projects. Homes with this combination of No HOA, oversized lot, premium upgrades, and like-new condition don't stay on the market for long. Priced to sell quickly—don't miss your opportunity to make this exceptional home yours.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,247

Sqft

0.28 ac

Lot size

1976

Year built

One

Levels

$209

Per sqft

Negotiable

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Dryer · Freezer · Ice Maker · Microwave · Range · Refrigerator · Washer
InteriorEating Space In Kitchen · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Solid Wood Cabinets
LaundryInside
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesNorth
ExteriorLighting · Playground · Private Entrance

Community & fees

Taxes (2025)$1,673/yr

Utilities & systems

UtilitiesCable Available
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.

$1,945 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,531
FHA mortgage insurance (est.)$115
Property tax — 2025 actual bill$139
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $9,100Loan30-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% · $9,100
Interest rate6.00%
Loan term

Estimated payment

$1,945/mo

Principal & interest$1,531
FHA mortgage insurance (est.)$115
Property taxes (actual bill)$139
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 $260K
$230KedgeAI estimate $252,007 · range $239K$274K$285K

vs edgeAI estimate

+3.2%

$/sqft vs Lakeland actives

$209 vs $193

Days on market

19 vs 45 typical

Where $209/sqft sits among the 400 Lakeland actives

71
131
102 · this home
52
20
24
$127–160$160–194$194–227$227–260$260–294$294+

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 Swannanoa/ Glen Echo

Map of 2509 N FLORIDA AVENUE inside its neighborhood boundary

Drive times from this address

Downtown Tampa37 min
Walt Disney World39 min
Tampa Int’l Airport (TPA)48 min
Universal Orlando49 min
Downtown Orlando55 min
Orlando Int’l Airport (MCO)59 min

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

Get to know Lakeland. See the full Lakeland guide →

Swannanoa/ Glen Echo — neighborhood snapshot

Population

519

Median age

57

Median income

$23,083

Median home value

$50,600

Avg household

2

Households w/ children

41%

For the school run

Polk County School District

ElementaryNorth Lakeland Elementary School Of Choice★★★★★
MiddleLake Gibson Middle School★★★★
HighLake Gibson Senior High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Lakeland market

Seller’s marketLeans seller3.8 months of inventoryBuyer’s market

$316K$325K

Lakeland median sold, yr/yr

97.8%

Sale-to-list ratio (12 mo)

221 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 15% above the LAKELAND 33805 median. See the full Lakeland market guide →

Paper trail

This home's history

Jul 27, 2026Listed at $260,000 · 19 days on market since
1976Built · ARMSTRONGS

Reality check

What actually sold near 2509 N FLORIDA AVENUE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1044 W 11TH STREETSold · Aug ’26

$214,000

1044 W 11TH STREET

3 bd · 2 ba · 1,217 sqft · $176/sqft · 11 DOM

1238 N VIRGINIA AVENUESold · Jan ’26

$285,000

1238 N VIRGINIA AVENUE

3 bd · 2 ba · 1,285 sqft · $222/sqft · 61 DOM

1236 N VIRGINIA AVENUESold · Oct ’25

$284,990

1236 N VIRGINIA AVENUE

3 bd · 2 ba · 1,285 sqft · $222/sqft · 111 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.

Angela Rodriguez

Your agent

Angela Rodriguez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 2509 N FLORIDA AVENUE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2509 N FLORIDA AVENUE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

2509 N FLORIDA AVENUE FAQs

What would the monthly payment be for 2509 N FLORIDA AVENUE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,945/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 2509 N FLORIDA AVENUE?+

The most recent tax bill on record (2025) was $1,673. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Lakeland?+

At $260,000, this home is listed about 23% below the Lakeland median of $339,000. The market section on this page shows how the area is trending.

Which schools are assigned to 2509 N FLORIDA AVENUE?+

North Lakeland Elementary School Of Choice (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.

Listing courtesy of LPT REALTY, LLC · Scott Bryant. MLS #O6428444.

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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