CENTURY 21 Edge
$525,000$599,000$3,554 /mo all-in ↓

9232 US HIGHWAY 98 N, LAKELAND, FL, 33809

Active123 days on marketListed Apr 9, 2026MLS #TB8495874

Reduced $74K

About this home

9232 US HIGHWAY 98 N

Positioned along the rapidly growing north corridor of Lakeland, this expansive 14-acre parcel offers a rare opportunity to secure a substantial piece of land with direct frontage on US Highway 98 North. With exceptional visibility and steady traffic flow, the property presents an ideal setting for those looking to capitalize on the area’s continued growth and development. Currently zoned residential, the property provides flexibility for a variety of potential uses, while also offering the possibility of rezoning to commercial—making it especially attractive for investors, developers, or business owners seeking a strategic location with high exposure. The surrounding area continues to see increased demand, with new residential communities and commercial projects shaping the future of North Lakeland. Infrastructure considerations have already been thoughtfully addressed, with powerlines on site and electric readily available at the property. The parcel will require the installation of a septic system, allowing you to tailor utility improvements to your specific plans. The presence of wetlands on portions of the land creates a natural landscape buffer and added privacy, while also presenting an opportunity—through the Polk County mitigation program—to potentially expand usable acreage in a cost-effective manner. Whether you envision a private estate with acreage to spare, a residential development, or a future commercial venture, this property offers the scale, location, and versatility to bring your vision to life. Opportunities like this—combining size, highway frontage, and future potential—are becoming increasingly difficult to find in such a prime Lakeland location.

Facts & features

The home at a glance

14.18 ac

Lot size

Pets allowed

Inside

Outside & construction

Community & fees

Taxes (2025)$855/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available · Public
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,554 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$3,091
FHA mortgage insurance (est.)$232
Property tax — 2025 actual bill$71
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,375Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $18,375
Interest rate6.00%
Loan term

Estimated payment

$3,554/mo

Principal & interest$3,091
FHA mortgage insurance (est.)$232
Property taxes (actual bill)$71
Est. insurance$160

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.

Where it sits

Inside Lakeland

Map of 9232 US HIGHWAY 98 N

Drive times from this address

Downtown Tampa43 min
Walt Disney World45 min
Tampa Int’l Airport (TPA)54 min
Universal Orlando56 min
Downtown Orlando62 min
Orlando Int’l Airport (MCO)66 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Lakeland. See the full Lakeland guide →

LAKELAND 33809 — neighborhood snapshot

Population

30,498

Median age

42.6

Median income

$67,112

Median home value

$248,700

Avg household

2.58

Households w/ children

3,738

For the school run

Polk County School District

ElementaryEdgar L. Padgett Elementary★★★★
MiddleLake Gibson Middle School★★★★
HighLake Gibson Senior High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Lakeland market

Seller’s marketLeans seller3.8 months of inventoryBuyer’s market

$316K$316K

Lakeland median sold, yr/yr

97.8%

Sale-to-list ratio (12 mo)

Median sold price, Lakeland, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 62% above the LAKELAND 33809 median. See the full Lakeland market guide →

Paper trail

This home's history

CurrentPrice reduced to $525,000 $74K
Apr 9, 2026Listed at $599,000 · 123 days on market since

Reality check

What actually sold near 9232 US HIGHWAY 98 N

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

205 TOWER ROADSold · Jul ’26

$154,500

205 TOWER ROAD

1 bd · 1 ba · 696 sqft · $222/sqft · 5 DOM

8150 OAKHURST BOULEVARDSold · Oct ’25

$275,000

8150 OAKHURST BOULEVARD

3 bd · 2 ba · 1,271 sqft · $216/sqft · 22 DOM

8379 MADRID STREETSold · Apr ’26

$293,990

8379 MADRID STREET

3 bd · 2 ba · 1,302 sqft · $226/sqft · 154 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.

Jasmine Ince

Your agent

Jasmine Ince

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 9232 US HIGHWAY 98 N — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 9232 US HIGHWAY 98 N — before you fall in love.

See it in person

Schedule a tour

Live availability from Jasmine's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

9232 US HIGHWAY 98 N FAQs

What would the monthly payment be for 9232 US HIGHWAY 98 N?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,554/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 9232 US HIGHWAY 98 N?+

The most recent tax bill on record (2025) was $855. 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 9232 US HIGHWAY 98 N?+

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 $525,000, this home is listed about 55% above the Lakeland median of $339,000. The market section on this page shows how the area is trending.

Which schools are assigned to 9232 US HIGHWAY 98 N?+

Edgar L. Padgett Elementary (elementary), Lake Gibson Middle School (middle), Lake Gibson Senior High School (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 62% above the LAKELAND 33809 median.

02Time on market is leverage

123 days on market against a Lakeland median of 44 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $599,000, now $525,000 — a $74K cut. The full history is in the market section below.

Listing courtesy of COMPASS FLORIDA LLC · Adam Smith. MLS #TB8495874.

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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