7103 TWELVE OAKS DRIVE, LAKELAND, FL, 33813
Active5 days on marketListed Oct 5, 2026MLS #O6446004
About this home
7103 TWELVE OAKS DRIVE
*PRICED UNDER RECENT APPRAISAL* BEAUTIFULLY UPDATED TRADITIONAL POOL HOME in South Lakeland! This spacious 4-bedroom, 3 full-bath, 2 half-bath home on over HALF AN ACRE (.55) also features a versatile office/den and an impressive 2–4 car garage with an air-conditioned workshop/hobby room. Recent updates include a NEW ROOF, two NEW AC UNITS, full-house REPLUMB, TWO NEW HOT WATER heaters, updated electrical, NEW ENGINEERED WOOD FLOORING and NEW plush bedroom carpet, new INTERIOR PAINT, new LIGHT FIXTURES, new QUARTZ COUNTERTOPS, and new STAINLESS STEEL APPLIANCES. The POOL AND SPA have been completely RESURFACED AND RESCREENED, and the fireplace has been professionally swept with a NEW CHIMNEY CAP INSTALLED. Inside, enjoy a grand living room with wood flooring, custom built-ins, and a double-sided wood-burning fireplace, along with an elegant formal dining room and spacious kitchen featuring quartz counters, center island, custom cabinetry with built-ins and pull-out shelving, stainless steel appliances, and a stone fireplace. The spacious primary suite offers a private seating area and an OVERSIZED WALK-IN CLOSET WITH CUSTOM BUILT-INS. The upstairs guest bedroom features a private ensuite bathroom, while two additional bedrooms share a convenient Jack-and-Jill bathroom. The versatile office/den also includes custom built-ins, making it ideal for a home office, library, or hobby space. Outside, enjoy the beautifully updated pool, pool bath and mature shade trees, creating a private setting for relaxing and entertaining. Additional features include an impressive 2-4 CAR GARAGE configuration with an air-conditioned workshop/hobby room, providing exceptional storage, workspace, and flexibility for hobbies, projects, or additional personal use. With its extensive recent renovations, spacious floor plan, traditional architectural character, private pool setting, mature landscaping, and highly desirable South Lakeland location, this distinctive home offers a rare combination of comfort, functionality, and timeless appeal.
Facts & features
The home at a glance
4
Bedrooms
4
Bathrooms
4,274
Sqft
0.55 ac
Lot size
4
Garage
2004
Year built
Two
Levels
$217
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.
$6,439 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,439/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−8.9%
$/sqft vs Lakeland actives
$217 vs $196
Days on market
5 vs 67 typical
Where $217/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 → $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 133% above the LAKELAND 33813 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 7103 TWELVE OAKS DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’26$500,000
6415 WINDWOOD COURT · same community
3 bd · 2 ba · 1,533 sqft · $326/sqft · 121 DOM
Sold · May ’26$1,100,000
685 WHISPER WOODS DRIVE
4 bd · 3.5 ba · 4,208 sqft · $261/sqft · 117 DOM
Sold · Feb ’26$879,000
645 WHISPER WOODS DRIVE
4 bd · 5 ba · 4,477 sqft · $196/sqft · 242 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 7103 TWELVE OAKS DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 7103 TWELVE OAKS DRIVE — 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
7103 TWELVE OAKS DRIVE FAQs
What would the monthly payment be for 7103 TWELVE OAKS DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,439/mo — principal and interest, the actual property-tax bill, the $58/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 7103 TWELVE OAKS DRIVE?+
The association fee works out to $58 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 7103 TWELVE OAKS DRIVE?+
The most recent tax bill on record (2025) was $10,323. 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 7103 TWELVE OAKS DRIVE?+
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 $929,000, this home is listed about 177% above the Lakeland median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 7103 TWELVE OAKS DRIVE?+
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
01Positioned at the premium end
$929,000 runs 133% above the LAKELAND 33813 median — but at 4,274 sqft it's also nearly 2 times the size of 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.
03Fresh on the market
Only 5 days on market in a Lakeland market that averages 67 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA REALTY INVESTMENTS · Hannah Evans LLC. MLS #O6446004.
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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