123 OCONEE STREET, LAKELAND, FL, 33805
Active364 days on marketListed Aug 6, 2025MLS #L4954990
About this home
123 OCONEE STREET
Step inside 123 Oconee St and discover a charming 2-bedroom, 1-bath home that blends comfort, style, and opportunity. Recently updated with a modern interior, the home features an inviting open living area with a decorative fireplace, a sleek kitchen with stainless steel appliances, and two private ensuite bedrooms that create a retreat-like feel. Currently operating as a thriving short-term rental averaging $33,000 in annual gross revenue,(numbers to be verified by buyer's discretion) this property offers a unique chance for both investors and homebuyers. Located just steps from Publix Field at Joker Marchant Stadium, minutes from Downtown Lakeland and Lakeland Regional Hospital, and with easy access to I-4 for trips to Tampa and Orlando, it’s perfectly positioned for convenience and consistent rental demand. The home can be purchased fully turnkey, with all furnishings and décor available for sale separately from the asking price, giving buyers flexibility to continue its successful Airbnb / Short term rental operation or make it their own Florida getaway.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
660
Sqft
0.16 ac
Lot size
1955
Year built
One
Levels
$306
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.
$1,618 /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
$1,618/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
+68.5%
$/sqft vs Lakeland actives
$306 vs $195
Days on market
364 vs 42 typical
Where $306/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 Swannanoa/ Glen Echo
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Swannanoa/ Glen Echo — neighborhood snapshot
Population
519
Median age
57
Median income
$23,083
Median home value
$50,600
Avg household
2
Households w/ children
41%
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)
191 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 16% below the LAKELAND 33805 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 123 OCONEE STREET
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$217,777
2207 N FLORIDA AVENUE · same community
3 bd · 2 ba · 989 sqft · $220/sqft · 98 DOM
Sold · Jun ’26$255,000
204 SWANNANOA STREET · same community
3 bd · 2 ba · 1,976 sqft · $129/sqft · 0 DOM
Sold · Feb ’26$100,000
721 W 5TH STREET
2 bd · 1 ba · 640 sqft · $156/sqft · 0 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 123 OCONEE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 123 OCONEE STREET — 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
123 OCONEE STREET FAQs
What would the monthly payment be for 123 OCONEE STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,618/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 123 OCONEE STREET?+
The most recent tax bill on record (2024) was $2,149. 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 $202,000, this home is listed about 41% below the Lakeland median of $339,900. The market section on this page shows how the area is trending.
Which schools are assigned to 123 OCONEE STREET?+
North Lakeland Elementary School Of Choice (elementary), Lake Gibson Middle School (middle), Lake Gibson 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
01Under the LAKELAND 33805 market on paper
$202,000 is 16% below the LAKELAND 33805 median of $240,000.
02Time on market is leverage
364 days on market against a Lakeland median of 42 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $229,900, now $202,000 — a $28K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY · Daryl Ash, II. MLS #L4954990.
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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