432 LAZY LAKE DRIVE W, LAKELAND, FL, 33801
Active3 days on marketListed Oct 15, 2026MLS #TB8557821
About this home
432 LAZY LAKE DRIVE W
Welcome to this well-maintained 3-bedroom, 2-bathroom home in Lakeland, conveniently located within walking distance of Pelican Lake! The thoughtfully arranged kitchen features an eat-in area and breakfast bar, along with a separate designated dining area complete with a dry bar or built-in shelving, offering additional space for entertaining and everyday living. The living room connects to the dining area and is also accessible from the kitchen eating area, creating a functional flow throughout the home. Enjoy the extra living space provided by the generously sized Florida room, with convenient access to the laundry room. Outside, the backyard offers two storage sheds for added storage, while a one-car carport and an expanded driveway provide ample parking. An additional concrete slab has been added to widen the driveway, creating even more room for vehicles. Conveniently located near shopping, restaurants, and just a short drive from downtown Lakeland, this property provides a variety of possibilities. Whether you're searching for a full-time residence, a seasonal Florida retreat, or an addition to your investment portfolio, this home is worth a look!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,368
Sqft
0.14 ac
Lot size
1975
Year built
One
Levels
$121
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.
$1,278 /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
$1,278/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
+55.4%
$/sqft vs Lakeland actives
$121 vs $194
Days on market
3 vs 61 typical
Where $121/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 33801 — neighborhood snapshot
Population
33,460
Median age
33.4
Median income
$49,210
Median home value
$138,700
Avg household
2.43
Households w/ children
3,160
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 35% below the LAKELAND 33801 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 432 LAZY LAKE DRIVE W
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$204,000
429 PERCH PLACE · same community
3 bd · 2 ba · 1,346 sqft · $152/sqft · 85 DOM
Sold · Sep ’26$112,000
3533 LAZY LAKE DRIVE S · same community
4 bd · 2 ba · 1,620 sqft · $69/sqft · 8 DOM
Sold · Mar ’26$159,900
506 PERCH PLACE · same community
3 bd · 2 ba · 1,056 sqft · $151/sqft · 6 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 432 LAZY LAKE DRIVE W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 432 LAZY LAKE DRIVE W — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
432 LAZY LAKE DRIVE W FAQs
What would the monthly payment be for 432 LAZY LAKE DRIVE W?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,278/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 432 LAZY LAKE DRIVE W?+
The most recent tax bill on record (2025) was $885. 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 432 LAZY LAKE DRIVE W?+
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 $165,000, this home is listed about 50% below the Lakeland median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 432 LAZY LAKE DRIVE W?+
Crystal Lake Elementary School (elementary), Crystal Lake Middle School (middle), Tenoroc High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of JT REALTY & ASSOCIATES · Lindsey Funderburk. MLS #TB8557821.
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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