3108 TOM MATTHEWS ROAD, LAKELAND, FL, 33810
Active1 days on marketListed Oct 21, 2026MLS #TB8559769
About this home
3108 TOM MATTHEWS ROAD
BRING YOUR HORSES! Listed BELOW appraised value! Welcome to 3108 Tom Matthews Rd, a versatile and private property offering space, functionality, and future potential in a growing area. The main home is a well-maintained 3-bedroom, 2-bathroom residence equipped with a NEW AC system, NEW flooring, and water softener. This home is accompanied by a separate 2-bedroom, 2-bath in-law suite complete with full kitchen, additional laundry, and living area—ideal for extended family or guests. Enjoy the lanai-enclosed, heated, salt inground pool installed in 2023, coupled with beautiful pavers and a firepit social area, making this home perfect for year-round relaxation. The property features a newly constructed oversized metal RV garage and workshop with electric, completed in 2022, providing additional parking or workspace options. For those with agricultural or equestrian interests, the land includes three barns—two large barns with three stalls each, tack rooms, hay storage, and full water and electric connections, plus a smaller barn with two and a half bays ideal for small livestock or storage. Current owners have ran a successful Horse Boarding business on site - you can do the same! A new well pump was installed in 2024, and the entire property is secured with an electric gate, fence, and monitored by security cameras. There is ample room for recreational vehicles and equipment, and the parcel includes the option to build an additional dwelling up to 900 square feet. Located in a peaceful, rural setting, yet close enough to city conveniences, this property also benefits from new development happening in and around this area of Plant City/Lakeland, making it a smart investment for both lifestyle and long-term value.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
2,862
Sqft
4.97 ac
Lot size
1
Garage
2007
Year built
One
Levels
$274
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.
$6,082 /mo · 10% down Conventional, 30-yr fixed at 7.5%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,082/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
−16.6%
$/sqft vs UNPLATTED
$274 vs $302
Days on market
1 vs 61 typical
Where $274/sqft sits among the 173 homes for sale in UNPLATTED
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 33810 — neighborhood snapshot
Population
52,734
Median age
42.2
Median income
$69,738
Median home value
$245,300
Avg household
2.71
Households w/ children
5,718
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)
101 of 173
UNPLATTED have cut their price
Median sold price, Lakeland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 138% above the LAKELAND 33810 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 3108 TOM MATTHEWS ROAD
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$700,000
10921 MCMULLEN ROAD · same community
4 bd · 3 ba · 3,133 sqft · $223/sqft · 9 DOM
Sold · Dec ’25$563,750
16904 TOBACCO ROAD · same community
3 bd · 3 ba · 2,261 sqft · $249/sqft · 105 DOM
Sold · Apr ’26$305,000
10809 BARTOLOTTI LOOP SE · same community
3 bd · 2 ba · 2,127 sqft · $143/sqft · 1 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
Leila Sabat
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3108 TOM MATTHEWS ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3108 TOM MATTHEWS ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3108 TOM MATTHEWS ROAD FAQs
What would the monthly payment be for 3108 TOM MATTHEWS ROAD?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $6,082/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 3108 TOM MATTHEWS ROAD?+
The most recent tax bill on record (2025) was $8,249. 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 $785,000, this home is listed about 138% above the Lakeland median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3108 TOM MATTHEWS ROAD?+
R. Clem Churchwell Elementary School (elementary), Sleepy Hill Middle School (middle), Kathleen 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
$785,000 runs 138% above the LAKELAND 33810 median — but at 2,862 sqft it's also 66% larger than the typical Lakeland listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 1 day on market in a Lakeland market that averages 61 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Samantha Boyd. MLS #TB8559769.
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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