4395 TROTTERS WAY, LAKELAND, FL, 33805
Active377 days on marketListed Jul 31, 2025MLS #P4935713
About this home
4395 TROTTERS WAY
Virtually Staged. Built in 2023 on a premium lakefront lot with no rear neighbors & tranquil lake views, this 6-bed, 3-full bath home with an office/flex room features open-concept living & the largest floor plan in the community at 3,415 sq. ft. Saddle Creek Preserve offers a community pool & dog park, both with serene water views. The kitchen is a true centerpiece, with granite countertops, an island with a breakfast bar, stainless steel appliances, a walk-in pantry & ample cabinet space. The primary suite is conveniently located on the first floor & includes an en-suite bathroom that features dual sinks, a oversized walk-in shower, private water closet & a walk-in closet. An additional bedroom is also located on the first floor, along with an office/flex room. Upstairs, you’ll find four additional bedrooms, one with a walk-in closet, & a 26'x23'4" loft, offering plenty of flexible space to customize to your needs.Enjoy a peaceful lakefront setting in your own backyard, perfect for quiet mornings or relaxing evenings. Or, take a short drive to Historic Downtown Lakeland, just 8 miles away, where you can explore charming boutiques, cozy coffee shops & a vibrant dining scene featuring local favorites like Nineteen61, Harry’s Seafood, Black & Brew Coffee or Vasco Sixty-One’s rooftop bar with scenic views. Is it really Saturday if you haven’t visited the infamous Downtown Farmers Curb Market? The market spans five city blocks & typically features 100–120 vendors. It’s way more than a place to grab veggies...it’s a community hub that showcases the best of local food, creativity & culture. With convenient access to I-4, commuting to Tampa or Orlando is a breeze. Don’t miss this opportunity to own a lakefront home that offers both peaceful surroundings & close proximity to everything Lakeland has to offer. Schedule your showing today!!
Facts & features
The home at a glance
6
Bedrooms
3
Bathrooms
3,415
Sqft
0.13 ac
Lot size
2
Garage
2023
Year built
Two
Levels
$113
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.
$3,053 /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
$3,053/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
−10.5%
$/sqft vs Lakeland actives
$113 vs $193
Days on market
377 vs 45 typical
Where $113/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 →
The numbers that matter
The Lakeland market
$316K → $316K
Lakeland median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
204 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 14% above the Lakeland median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 4395 TROTTERS WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$400,000
1718 RED LOOP
6 bd · 3 ba · 3,353 sqft · $119/sqft · 36 DOM
Sold · Oct ’25$355,000
4264 BRIDLE BOOSTER WAY
5 bd · 2.5 ba · 2,896 sqft · $123/sqft · 48 DOM
Sold · Apr ’26$330,000
1773 YELLOW TRAIL
5 bd · 2.5 ba · 2,215 sqft · $149/sqft · 333 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
Frantreshia Miller
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4395 TROTTERS WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4395 TROTTERS WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Frantreshia's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4395 TROTTERS WAY FAQs
What would the monthly payment be for 4395 TROTTERS WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,053/mo — principal and interest, the actual property-tax bill, the $18/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 4395 TROTTERS WAY?+
The association fee works out to $18 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4395 TROTTERS WAY?+
The most recent tax bill on record (2024) was $5,260. 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 4395 TROTTERS WAY?+
The listing reports pets: Cats OK, Dogs OK, 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 $385,000, this home is listed about 14% above the Lakeland median of $339,000. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$385,000 runs 14% above the Lakeland median — but at 3,415 sqft it's also nearly twice the size of the typical Lakeland listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
377 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 $420,000, now $385,000 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA REALTY MARKETPLACE · Jenn Manzella. MLS #P4935713.
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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