3203 S POLK AVENUE, LAKELAND, FL, 33803
Active24 days on marketListed Sep 16, 2026MLS #O6442493
About this home
3203 S POLK AVENUE
Virtually Staged. Beautifully renovated in 2025, this spacious 4BR/3BA Lakeland home features nearly 2,900 sq. ft. and a flexible layout. Highlights include an upstairs kitchenette, new roof, HVAC, flooring, appliances, and modern finishes throughout. Conveniently located near shopping, dining, and everyday amenities. Includes home warranty.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,845
Sqft
0.22 ac
Lot size
1
Garage
1960
Year built
Two
Levels
$186
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 — not generic estimates.
$4,245 /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
$4,245/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
−10.9%
$/sqft vs Lakeland actives
$186 vs $196
Days on market
24 vs 67 typical
Where $186/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 Cleveland Heights
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Cleveland Heights — neighborhood snapshot
Population
2,072
Median age
37
Median income
$62,629
Median home value
$213,952
Avg household
3
Households w/ children
213
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)
240 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 79% above the LAKELAND 33803 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 3203 S POLK AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$279,999
732 NE 12TH TERRACE · same community
3 bd · 2 ba · 1,995 sqft · $140/sqft · 34 DOM
Sold · Jun ’26$730,000
3515 BRIDGEFIELD DRIVE
4 bd · 2.5 ba · 2,821 sqft · $259/sqft · 0 DOM
Sold · Mar ’26$371,000
3829 ERIC COURT
4 bd · 3 ba · 2,820 sqft · $132/sqft · 165 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 3203 S POLK AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3203 S POLK AVENUE — 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
3203 S POLK AVENUE FAQs
What would the monthly payment be for 3203 S POLK AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,245/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 3203 S POLK AVENUE?+
The most recent tax bill on record (2025) was $8,774. 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 3203 S POLK AVENUE?+
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 $529,900, this home is listed about 58% above the Lakeland median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3203 S POLK AVENUE?+
Carlton Palmore Elementary School (elementary), Southwest Middle School (middle), Lakeland Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6442493.
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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