5440 RIVER ROCK ROAD UNIT 5440, LAKELAND, FL, 33809
Active39 days on marketListed Sep 1, 2026MLS #O6438179
About this home
5440 RIVER ROCK ROAD UNIT 5440
Well-maintained 2BR/2.5BA condo with a bonus Den/Office in the desirable Cobblestone Community of Lakeland. Spacious 1,496sqft open-concept living, two upstairs En-suite bedrooms, and a half bathroom downstairs. Enjoy community pool access, assigned parking, maintenance, living close to shopping, dining, and major roadways.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,496
Sqft
0.02 ac
Lot size
2006
Year built
Two
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$172 /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
$172/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
$1 vs $196
Days on market
39 vs 67 typical
Where $1/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 33809 — neighborhood snapshot
Population
30,498
Median age
42.6
Median income
$67,112
Median home value
$248,700
Avg household
2.58
Households w/ children
3,738
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)
241 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 99% below the LAKELAND 33809 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 5440 RIVER ROCK ROAD UNIT 5440
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$175,000
5455 LIMESTONE LANE · same community
2 bd · 2.5 ba · 1,496 sqft · $117/sqft · 140 DOM
Sold · Jun ’26$175,000
5434 RIVER ROCK ROAD · same community
2 bd · 2.5 ba · 1,496 sqft · $117/sqft · 36 DOM
Sold · Jun ’26$160,000
5434 QUARRY ROCK ROAD UNIT 5434 · same community
2 bd · 2 ba · 1,496 sqft · $107/sqft · 8 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
Kathy Miller
real estate agent · CENTURY 21 Edge
Tours, negotiation, and every question about 5440 RIVER ROCK ROAD UNIT 5440 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5440 RIVER ROCK ROAD UNIT 5440 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kathy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
5440 RIVER ROCK ROAD UNIT 5440 FAQs
What would the monthly payment be for 5440 RIVER ROCK ROAD UNIT 5440?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $172/mo — principal and interest, estimated property taxes 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.
Are pets allowed at 5440 RIVER ROCK ROAD UNIT 5440?+
The listing reports pets: No. 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 $1,700, this home is listed about 99% below the Lakeland median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5440 RIVER ROCK ROAD UNIT 5440?+
Wendell Watson Elementary School (elementary), Lake Gibson Senior High School (high), Lake Gibson Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of WEICHERT REALTORS HALLMARK PRO · Hitesh Lallu. MLS #O6438179.
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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