
4646 OLD 37 ROAD, LAKELAND, FL, 33813
Active181 days on marketListed Apr 20, 2026MLS #S5148187
About this home
4646 OLD 37 ROAD
Short Sale. Short Sale has been Approved! Opportunities like this don't come along often in one of South Lakeland's most desirable locations. If you've been searching for an affordable home in a well-established neighborhood with convenient access to everything Lakeland has to offer, this is one you'll want to see. Located at 4646 Old Highway 37, Lakeland, FL 33813, this well-maintained home offers the perfect combination of comfort, updates, and location. Just minutes from South Florida Avenue, the Polk Parkway, Lakeside Village, downtown Lakeland, schools, parks, restaurants, shopping, and medical facilities, you'll enjoy the convenience of living in one of the area's most sought-after communities while still having quick access throughout Polk County, Tampa, and Orlando. Inside, you'll find an inviting floor plan highlighted by vaulted ceilings with exposed wood beams, a charming wood-burning fireplace, and bright, open living spaces designed for both everyday living and entertaining. The kitchen opens naturally to the main living area with a breakfast bar and plenty of cabinet space, creating a warm and functional gathering place. The home has been exceptionally cared for and features numerous recent improvements, including a newer roof, air conditioning system, gutters, garage door, front entry door, water heater, and fresh interior paint. The property is in good condition and has already undergone a clean home inspection, giving buyers added confidence. Step outside to enjoy a fully fenced backyard complete with a covered patio, pergola, and storage shed, ideal for weekend barbecues, relaxing evenings, pets, or creating your own outdoor retreat. Best of all, there is no HOA, giving you greater flexibility and fewer monthly expenses. This property is being offered as a short sale, and the short sale process has already been initiated, helping streamline the transaction. While short sales do require a little patience, they can also provide an outstanding opportunity for first-time home buyers, owner-occupants, or savvy buyers looking to purchase a quality home in a fantastic South Lakeland location at an exceptional value. If you've been waiting for the right opportunity to own a home in South Lakeland, this could be the one that's well worth the wait.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,184
Sqft
0.16 ac
Lot size
1
Garage
1977
Year built
One
Levels
$223
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.
$2,079 /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
$2,079/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
+16.7%
$/sqft vs Lakeland actives
$223 vs $194
Days on market
181 vs 60 typical
Where $223/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)
222 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 34% below the LAKELAND 33813 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 4646 OLD 37 ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$215,000
4654 S GARY AVENUE · same community
2 bd · 1.5 ba · 960 sqft · $224/sqft · 42 DOM
Sold · Aug ’26$269,900
5444 SIMMONS RD
3 bd · 2 ba · 1,204 sqft · $224/sqft · 58 DOM
Sold · Oct ’25$208,000
5170 CIMARRON DRIVE
2 bd · 2 ba · 1,150 sqft · $181/sqft · 46 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4646 OLD 37 ROAD — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4646 OLD 37 ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4646 OLD 37 ROAD FAQs
What would the monthly payment be for 4646 OLD 37 ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,079/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 4646 OLD 37 ROAD?+
The most recent tax bill on record (2025) was $2,977. 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 $264,000, this home is listed about 20% below the Lakeland median of $331,450. The market section on this page shows how the area is trending.
Which schools are assigned to 4646 OLD 37 ROAD?+
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
01Under the LAKELAND 33813 market on paper
$264,000 is 34% below the LAKELAND 33813 median of $399,950.
02Time on market is leverage
181 days on market against a Lakeland median of 60 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $269,900, now $264,000 — a $6K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX HERITAGE PROFESSIONALS · Vicky Torres Rodriguez. MLS #S5148187.
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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