86 SHADOW LANE, LAKELAND, FL, 33813
Active8 days on marketListed Oct 2, 2026MLS #TB8554216
About this home
86 SHADOW LANE
Welcome to 86 Shadow Lane, a beautifully updated 4-bedroom, 3-bath home offering nearly 2,500 square feet of living space in an established South Lakeland community. From the moment you enter, you’ll appreciate the spacious, open layout, abundant natural light, vaulted ceilings, and thoughtful updates throughout. The kitchen features stone countertops, ample cabinetry, stainless steel appliances, and plenty of space for everyday living and entertaining. Multiple living areas provide flexibility for family gatherings, a home office, or additional entertaining space, while the wood-burning fireplace adds warmth and character. The generously sized primary suite offers a private retreat with an updated en-suite bath and walk-in closet. Additional bedrooms provide plenty of space for family, guests, or workspace. Outside, enjoy the large lot, mature landscaping, fenced backyard, and ample room to relax or entertain. The attached 3-car garage provides exceptional parking and storage space. Located in a desirable South Lakeland area with convenient access to shopping, dining, schools, medical facilities, and major roadways, this home combines space, character, and modern updates in a location that is hard to beat. Schedule your private showing today and see everything 86 Shadow Lane has for you!
Facts & features
The home at a glance
5
Bedrooms
3
Bathrooms
2,478
Sqft
0.34 ac
Lot size
3
Garage
1978
Year built
Two
Levels
$180
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.
$3,430 /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
$3,430/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
+8.2%
$/sqft vs Lakeland actives
$180 vs $194
Days on market
8 vs 67 typical
Where $180/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 Christina Woods
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Christina Woods — neighborhood snapshot
Population
2,765
Median age
43
Median income
$110,077
Median home value
$340,637
Avg household
3
Households w/ children
355
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)
240 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 12% above the LAKELAND 33813 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 86 SHADOW LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$370,000
95 WOODSIDE DRIVE · same community
3 bd · 2 ba · 2,315 sqft · $160/sqft · 6 DOM
Sold · Sep ’26$530,000
121 W CHRISTINA BOULEVARD · same community
4 bd · 3 ba · 2,652 sqft · $200/sqft · 0 DOM
Sold · Jul ’26$565,000
126 WOODSIDE DRIVE · same community
4 bd · 3 ba · 2,725 sqft · $207/sqft · 61 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 86 SHADOW LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 86 SHADOW LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
86 SHADOW LANE FAQs
What would the monthly payment be for 86 SHADOW LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,430/mo — principal and interest, the actual property-tax bill, the $17/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 86 SHADOW LANE?+
The association fee works out to $17 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 86 SHADOW LANE?+
The most recent tax bill on record (2025) was $5,241. 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 86 SHADOW LANE?+
The listing reports pets: Cats OK, Dogs OK. 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 $444,999, this home is listed about 33% above the Lakeland median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 86 SHADOW LANE?+
Scott Lake Elementary School (elementary), Lakeland Highlands Middle School (middle), George W. Jenkins Senior High (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Conner Addison. MLS #TB8554216.
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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