2109 CAMBRIDGE AVENUE, LAKELAND, FL, 33803
Active366 days on marketListed Aug 5, 2025MLS #L4954876
About this home
2109 CAMBRIDGE AVENUE
Iconic 1940s Brick Estate Near Lake Hollingsworth. Situated on a spacious corner lot of nearly three-quarters of an acre, this classic 1940 brick home perfectly blends historic character with modern updates. Located just steps from Lake Hollingsworth, the property offers beautiful water views and easy access to the lake's popular walking path. The spacious interior features a thoughtful layout with multiple ground-floor primary suites, classic trim work, and original brick and hardwood flooring. The heart of the home is a large family room featuring rare, reclaimed American Chestnut wood paneling. Living spaces include a formal living room with a natural gas fireplace, an elegant dining room, a sunlit breakfast nook, and a private den/home office. While preserving its timeless cottage charm, the home is fully modernized with key infrastructure upgrades, including an updated electrical system, dual tankless gas water heaters, a whole-house generator, and a security system. Enjoy the best of Lakeland living with scenic lake views, close proximity to downtown shopping and dining, and quick access to the Parkway for an easy commute to Tampa or Orlando.
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
4,047
Sqft
0.7 ac
Lot size
1940
Year built
Two
Levels
$408
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.
$10,077 /mo · 10% down Conventional, 30-yr fixed at 6%
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
$10,077/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.
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.
$/sqft vs CLEVELAND HEIGHTS
$408 vs $216
Days on market
366 vs 43 typical
Where $408/sqft sits among the 10 homes for sale in CLEVELAND HEIGHTS
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 Lake Hollingsworth
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Lake Hollingsworth — neighborhood snapshot
Population
3,551
Median age
41
Median income
$122,863
Median home value
$383,750
Avg household
3
Households w/ children
439
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 → $316K
Lakeland median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
5 of 10
CLEVELAND HEIGHTS have cut their price
Median sold price, Lakeland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 464% above the LAKELAND 33803 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 2109 CAMBRIDGE AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$880,000
2211 COVENTRY AVENUE · same community
4 bd · 3.5 ba · 3,719 sqft · $237/sqft · 0 DOM
Sold · Feb ’26$602,500
2804 CLEVELAND HEIGHTS BOULEVARD · same community
3 bd · 2.5 ba · 3,077 sqft · $196/sqft · 152 DOM
Sold · Sep ’25$304,000
618 CHESTER DRIVE · same community
5 bd · 3 ba · 2,726 sqft · $112/sqft · 157 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2109 CAMBRIDGE AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2109 CAMBRIDGE AVENUE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
2109 CAMBRIDGE AVENUE FAQs
What would the monthly payment be for 2109 CAMBRIDGE AVENUE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $10,077/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 2109 CAMBRIDGE AVENUE?+
The most recent tax bill on record (2024) was $4,742. 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 2109 CAMBRIDGE AVENUE?+
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 $1,650,000, this home is listed about 387% above the Lakeland median of $339,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2109 CAMBRIDGE AVENUE?+
Lakeland Senior High School (high), Philip O'Brien Elementary School (elementary), Crystal Lake Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$1,650,000 runs 464% above the LAKELAND 33803 median — but at 4,047 sqft it's also nearly twice the size of the typical Lakeland listing.
02Garden & Water views
The garden and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
366 days on market against a Lakeland median of 43 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,950,000, now $1,650,000 — a $300K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY · Maggie Olivera. MLS #L4954876.
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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