CENTURY 21 Edge
$199,9003 bd1.5 ba1,064 sqft$188 /sqft$1,526 /mo all-in ↓

3539 COLLEEN DRIVE, LAKELAND, FL, 33810

Active1 days on marketListed Aug 18, 2026MLS #TB8539892

Priced 39% below the LAKELAND 33810 medianFully furnishedSingle Family ResidenceWINSTON HEIGHTS

About this home

3539 COLLEEN DRIVE

3539 Colleen Dr is a 3 bedroom, 1.5 bath single-family home, 1,064 square feet of living space on a 7,701 square foot lot in North Lakeland, Polk County, FL 33810. Built in 1966 and single story, with the two items that usually cost the most on a house this age, the roof and the kitchen, already done. Curb side, the exterior was freshly painted and carries blue shutters and a red front door, with planting beds along the front wall, a grassed front yard and mature shade trees. A long concrete driveway runs back to a covered carport attached to the house, giving covered parking at the door and open parking for several vehicles side by side. Inside, the plan runs living room to dining area to kitchen with all three bedrooms off a single hallway. Tile covers the kitchen, the dining area and both baths, wood flooring runs through the bedrooms and the hall, ceiling fans are already hung in the living room and in the bedrooms, and windows across the front wall bring light into the main living space. The living room takes the front of the house with room for a full seating group and a media wall. The kitchen is about four years old. Wood cabinetry runs two walls with marble-look counters and a tile backsplash, a stainless range and a stainless over-range microwave, a dishwasher, a double stainless sink and a pantry closet with shelving right off the cooking wall. The dining area sits at the end of the kitchen with room for a table, a utility space near the back door holds a second refrigerator or an upright freezer, and the back door leads straight out to the yard. The full bath has a tile surround tub and shower with grab bars, tile flooring and a wood vanity with cabinet storage. The half bath serves the hallway and bedroom side of the house with its own vanity, cabinet and tile floor. All three bedrooms have a closet, a window and a ceiling fan. Storage runs deeper than the square footage suggests, with bedroom closets, a louvered hall closet, the kitchen pantry and the workshop out back. On systems, the gable asphalt shingle roof is about 10 years old, central heat and air is ducted throughout the house with the ground unit at about 8 years, and the home runs on city water with a septic tank. Known work is interior paint and an air handler replacement, cosmetic and mechanical items rather than structural ones. The back yard is where the square footage stretches. Behind the house sits a second freestanding metal carport on open ground, deep enough for a boat, a trailer, a work truck or a project vehicle, and beside it a detached wood workshop building with power, a service door and a window, sized for tools, equipment and a bench. The yard is fenced, shaded by mature oaks, and open enough to add a slab, a garden or a play area without crowding the house. No pool to maintain. There is no HOA, no rental restrictions and no flood zone designation on this parcel. Nothing has to be run past a board, nothing caps how long or how often it can be rented, and there is no flood zone insurance requirement tied to the property. Live in it, hold it, or put it straight into service as a rental. The location is North Lakeland 33810 in Polk County, inside the corridor served by US 98, Kathleen Road, Interstate 4 and the Polk Parkway, with Lakeland sitting between Tampa and Orlando

Facts & features

The home at a glance

3

Bedrooms

1.5

Bathrooms

1,064

Sqft

0.18 ac

Lot size

1966

Year built

One

Levels

$188

Per sqft

Furnished

Inside

FlooringOther · Tile
AppliancesDishwasher · Microwave · Refrigerator
InteriorCeiling Fan(s)
LaundryOther
CoolingCentral Air
HeatingCentral
FurnishedFurnished

Outside & construction

RoofShingle
ConstructionBrick
FoundationSlab
FacesEast
ParkingDriveway
ExteriorOther

Community & fees

Taxes (2025)$1,215/yr

Utilities & systems

UtilitiesOther
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.

$1,526 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,177
FHA mortgage insurance (est.)$88
Property tax — 2025 actual bill$101
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $6,997Loan30-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% · $6,997
Interest rate6.00%
Loan term

Estimated payment

$1,526/mo

Principal & interest$1,177
FHA mortgage insurance (est.)$88
Property taxes (actual bill)$101
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.

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.

List $200K
$173KedgeAI estimate $200,367 · range $181K$250K$260K

vs edgeAI estimate

−0.2%

Days on market

1 vs 45 typical

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 Winston

Map of 3539 COLLEEN DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa34 min
Walt Disney World43 min
Tampa Int’l Airport (TPA)45 min
Universal Orlando54 min
Downtown Orlando60 min
Orlando Int’l Airport (MCO)64 min

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

Get to know Lakeland. See the full Lakeland guide →

Winston — neighborhood snapshot

Population

10,023

Median age

47

Median income

$45,211

Median home value

$79,754

Avg household

2

Households w/ children

920

For the school run

Polk County School District

ElementaryJesse Keen Elementary School★★★★★
HighKathleen Senior High School★★★★
MiddleSleepy Hill Middle 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$325K

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 39% below the LAKELAND 33810 median. See the full Lakeland market guide →

Paper trail

This home's history

Aug 18, 2026Listed at $199,900 · 1 days on market since
1966Built · WINSTON HEIGHTS

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.

Julian Rivera

Your agent

Julian Rivera

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 3539 COLLEEN DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3539 COLLEEN DRIVE — before you fall in love.

See it in person

Schedule a tour

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

Straight answers

3539 COLLEEN DRIVE FAQs

What would the monthly payment be for 3539 COLLEEN DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,526/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 3539 COLLEEN DRIVE?+

The most recent tax bill on record (2025) was $1,215. 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 $199,900, this home is listed about 40% below the Lakeland median of $335,000. The market section on this page shows how the area is trending.

Which schools are assigned to 3539 COLLEEN DRIVE?+

Jesse Keen Elementary School (elementary), Kathleen Senior High School (high), Sleepy Hill Middle School (middle) — 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 33810 market on paper

$199,900 is 39% below the LAKELAND 33810 median of $327,450, and at $188/sqft it sits under the Lakeland average of $204.

02Move-in furnished

The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.

03Fresh on the market

Only 1 day on market in a Lakeland market that averages 45 — if it fits, move quickly.

Listing courtesy of SILVER DOOR REALTY LLC · Michelle Paez. MLS #TB8539892.

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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