920 LAKE COVE TRL, LAKELAND, FL, 33813
Active2 days on marketListed Oct 16, 2026MLS #P4940178
About this home
920 LAKE COVE TRL
Breathtaking Lake Views and expansive living spaces define this unique 4 bedroom, 3 bath lakefront home. Nestled on 1.68 acres! Spanning just over 2,300 square feet, the home features a seamless combination of a formal living and dining area, perfectly complemented by a spacious separate family room. The kitchen boasts tiled countertops, ample cabinetry for storage, and even an island for additional working space. The screened porch overlooks Little Lake Victoria, providing a great place to relax, entertain, or simply enjoy your morning coffee. Completely separate from the main home, the 2-bedroom, 2-bathroom cottage provides complete privacy. This self-contained space is ideal for extended family or an independent guest suite. Don't miss out on this property; call us today!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,302
Sqft
1.68 ac
Lot size
1974
Year built
One
Levels
$228
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.
$4,104 /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
$4,104/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
+25.8%
$/sqft vs ACREAGE
$228 vs $292
Days on market
2 vs 60 typical
Where $228/sqft sits among the 118 homes for sale in ACREAGE
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)
57 of 118
ACREAGE have cut their price
Median sold price, Lakeland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 31% above the LAKELAND 33813 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 920 LAKE COVE TRL
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$799,000
16231 SE 80TH STREET · same community
3 bd · 2 ba · 2,117 sqft · $377/sqft · 112 DOM
Sold · Apr ’26$455,000
116 12TH AVENUE E · same community
4 bd · 2 ba · 2,052 sqft · $222/sqft · 41 DOM
Sold · Jun ’26$479,900
5011 GRIFFIN VIEW DRIVE · same community
4 bd · 2 ba · 2,034 sqft · $236/sqft · 523 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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 920 LAKE COVE TRL — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 920 LAKE COVE TRL — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
920 LAKE COVE TRL FAQs
What would the monthly payment be for 920 LAKE COVE TRL?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,104/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 920 LAKE COVE TRL?+
The most recent tax bill on record (2026) was $7,452. 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 $525,000, this home is listed about 58% above the Lakeland median of $331,450. The market section on this page shows how the area is trending.
Which schools are assigned to 920 LAKE COVE TRL?+
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
$525,000 runs 31% above the LAKELAND 33813 median — but at 2,302 sqft it's also 33% larger than 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.
03Fresh on the market
Only 2 days on market in a Lakeland market that averages 60 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of ASSOCIATE REALTY · Chrissi Jasso. MLS #P4940178.
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.
Never miss a listing
New Lakeland homes, in your inbox
Like 920 LAKE COVE TRL but not quite? A daily digest of every new listing in Lakeland — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Colleen to ping you on any price or status change →