David Ramirez
$820,000$899,9004 bd3.5 ba3,227 sqft$254 /sqft$5,351 /mo all-in ↓

3430 N GALLOWAY ROAD, LAKELAND, FL, 33810

Active340 days on marketListed Aug 29, 2025MLS #L4955486

Reduced $80KPrivate poolSingle Family ResidenceNONE

About this home

3430 N GALLOWAY ROAD

Presenting a modern farmhouse masterpiece that perfectly marries timeless charm with contemporary luxury, this exquisite residence—built in 2018 and proudly maintained by its original homeowners—offers an exceptional lifestyle on a beautifully manicured 1.15-acre lot at 3430 N Galloway Road in Lakeland, Florida. Boasting undeniable curb appeal with exterior stone accents and a striking façade, the home is nestled behind a spacious front yard that sets the tone for the elegance and serenity found within. Step inside to discover an expansive open-concept floor plan featuring 4 bedrooms, 3 bathrooms, with an office, formal dining space and a bonus flex room upstairs complete with its own half bathroom—perfect for a home gym, guest retreat, or media room. The living space is adorned with vaulted ceilings, a signature wooden beam that echoes the warm tones of the custom kitchen cabinetry, and a stunning stone fireplace with built-in shelving and a mounted TV as the focal point. Laminate wood-look flooring flows seamlessly throughout the home, creating a cohesive and stylish foundation for every room. The heart of the home is the abundantly sized kitchen, where an extra-spacious granite center island anchors the space and offers seating for gatherings and casual meals. Elegant touches like a gorgeous tiled backsplash, crown-molded upper cabinets, soft-close drawers, and recessed lighting elevate the kitchen's appeal. The adjacent dining and living areas flow effortlessly together, ideal for both entertaining and everyday living. The primary suite is a luxurious sanctuary, featuring a tray ceiling, and an extra-spacious walk-in closet with a custom organizing system and built-ins. The ensuite bathroom is a spa-like retreat, showcasing a dual-sink vanity and an elegant walk-in shower tiled to the ceiling, complete with two rain shower heads and a standard fixture for a truly indulgent experience. Additional highlights include a dedicated home office just off the foyer, a spacious laundry room with a built-in folding table, and a tri-split bedroom layout that ensures privacy for family and guests alike. Outdoors, enjoy Florida living to its fullest with an abundant outdoor space featuring a screen-enclosed lanai, a saltwater heated pool with a sunshelf, including a recently installed brand new pool pump, and a heated spa—all set on pavers and overlooking your serene backyard oasis. Car enthusiasts and hobbyists will appreciate the expansive 40x50 detached and enclosed workshop with electric, a single-bay garage, and a direct access door—alongside a three-car garage at the main residence, offering ample storage and functionality. This is modern farmhouse living at its finest—crafted with intention, detailed with sophistication, and designed for a lifestyle of comfort and elegance. Schedule your private tour today to experience this one-of-a-kind property.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

3,227

Sqft

1.15 ac

Lot size

3

Garage

2018

Year built

Two

Levels

$254

Per sqft

Private poolFireplace

Inside

FlooringCarpet · Luxury Vinyl
AppliancesDishwasher · Disposal · Range · Refrigerator
InteriorCeiling Fan(s) · High Ceilings · Stone Counters · Thermostat · Tray Ceiling(s) · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionStone · Stucco
FoundationSlab
FacesEast
ExteriorPrivate Mailbox · Rain Gutters · Sliding Doors

Community & fees

Taxes (2024)$5,500/yr

Utilities & systems

UtilitiesElectricity Available · Electricity Connected · Water Available · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$5,351 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$4,425
PMI (est., until 20% equity)$308
Property tax — 2024 actual bill$458
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $82,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $82,000
Interest rate6.00%
Loan term

Estimated payment

$5,351/mo

Principal & interest$4,425
PMI (est., until 20% equity)$308
Property taxes (actual bill)$458
Est. insurance$160

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.

List $820K
$787KedgeAI estimate $1,419,382 · range $1.2M$2.0M$2.1M

vs edgeAI estimate

−42.2%

$/sqft vs NONE

$254 vs $341

Days on market

340 vs 43 typical

Where $254/sqft sits among the 270 homes for sale in NONE

147 · this home
60
21
14
10
18
$138–360$360–583$583–806$806–1028$1028–1251$1251+

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

Map of 3430 N GALLOWAY ROAD

Drive times from this address

Downtown Tampa37 min
Walt Disney World42 min
Tampa Int’l Airport (TPA)49 min
Universal Orlando52 min
Downtown Orlando58 min
Orlando Int’l Airport (MCO)63 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Lakeland. See the full Lakeland guide →

The numbers that matter

The Lakeland market

Seller’s marketLeans seller3.8 months of inventoryBuyer’s market

$316K$316K

Lakeland median sold, yr/yr

97.8%

Sale-to-list ratio (12 mo)

102 of 270

NONE have cut their price

Median sold price, Lakeland, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 145% above the LAKELAND 33810 median. See the full Lakeland market guide →

Paper trail

This home's history

CurrentPrice reduced to $820,000 $80K
Aug 29, 2025Listed at $899,900 · 340 days on market since
2018Built · NONE

Reality check

What actually sold near 3430 N GALLOWAY ROAD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

7320 MARLO ROADSold · Jul ’26

$311,760

7320 MARLO ROAD · same community

3 bd · 3 ba · 2,584 sqft · $121/sqft · 78 DOM

301 CLARK STREETSold · Jan ’26

$410,000

301 CLARK STREET · same community

4 bd · 4 ba · 2,582 sqft · $159/sqft · 204 DOM

517 CENTRAL AVENUE SESold · Dec ’25

$111,000

517 CENTRAL AVENUE SE · same community

4 bd · 1.5 ba · 2,521 sqft · $44/sqft · 28 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 3430 N GALLOWAY ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 3430 N GALLOWAY ROAD — 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.

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Goes straight to David’s phone and CRM.

Straight answers

3430 N GALLOWAY ROAD FAQs

What would the monthly payment be for 3430 N GALLOWAY ROAD?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $5,351/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 3430 N GALLOWAY ROAD?+

The most recent tax bill on record (2024) was $5,500. 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 $820,000, this home is listed about 140% above the Lakeland median of $341,850. The market section on this page shows how the area is trending.

The brief

Four things that matter here

01Positioned at the premium end

$820,000 runs 145% above the LAKELAND 33810 median — but at 3,227 sqft it's also nearly twice the size of 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.

03Time on market is leverage

340 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 $899,900, now $820,000 — a $80K cut. The full history is in the market section below.

Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Christine Hubbert. MLS #L4955486.

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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