David Ramirez
Pending
$1,190,000$1,295,0004 bd3 ba3,432 sqft$347 /sqft$8,360 /mo all-in ↓

2961 SANCTUARY CIRCLE, LAKELAND, FL, 33803

Pending194 days on marketListed Jan 12, 2026MLS #L4958276

Reduced $105KWaterfrontPrivate poolSingle Family ResidenceSANCTUARY AT GRASSLANDS

About this home

2961 SANCTUARY CIRCLE

Discover the epitome of luxury living at 2961 Sanctuary Circle, nestled within the prestigious Sanctuary at Grasslands. This exquisite residence offers an expansive and meticulously designed living space. The home’s open floor plan seamlessly integrates the living, dining, and outdoor recreation space, creating an ideal environment for both entertaining and everyday living. The gourmet kitchen is a chef’s dream, featuring high-end appliances, custom cabinetry, spacious island, coffee bar, wine bar, & breakfast nook. Modern home equipped with SMART technology. Retreat to the luxurious master suite, which offers a serene water vistas and a spa-inspired bathroom complete with gigantic walk-in closets. A gated courtyard offers a welcoming threshold before entering the luxurious double doors. Its the perfect spot for a morning coffee or a space for yoga before setting off on your stroll of the picturesque community. The lanai is your private tropical oasis—a beautifully designed pool area perfect for relaxation and hosting gatherings. The outdoor space complements the home’s interior, with 4 glass sliding panels (15 feet) opening out from the great room to the pool area - providing a seamless transition and integration of indoor and outdoor living. The pavered lanai features plenty of outdoor leisure areas overlooking the swimming pool and lake. The soothing waterfall from the fountain in the lake will soothe away your daily stress. Resident-members enjoy access to top-tier amenities including golf course, tennis courts, community swimming pools, private social club with restaurant, clubhouse, along with the convenience of being near shopping, dining, and entertainment options in Lakeland.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

3,432

Sqft

0.28 ac

Lot size

2

Garage

2014

Year built

One

Levels

$347

Per sqft

Private poolWaterfrontPool & Water viewPets allowed

Inside

FlooringEngineered Hardwood · Porcelain Tile
AppliancesBar Fridge · Cooktop · Dishwasher · Dryer · Electric Water Heater · Microwave · Range · Refrigerator · Washer · Wine Refrigerator
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · Open Floorplan · Stone Counters · Vaulted Ceiling(s) · Walk-In Closet(s) · Wet Bar
LaundryInside
CoolingCentral Air
HeatingCentral

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewPool · Water
FacesWest
ParkingConverted Garage · Driveway · Electric Vehicle Charging Station(s) · Garage Door Opener · Golf Cart Garage · Golf Cart Parking · Oversized · Workshop in Garage
ExteriorCourtyard · Garden · Irrigation System · Lighting · Rain Gutters · Sidewalk · Sliding Doors

Community & fees

HOA fee$470/mo
Taxes (2024)$10,349/yr
PetsYes
CommunityClubhouse · Deed Restrictions · Fitness Center · Gated Community - Guard · Golf Carts OK · Golf · Irrigation-Reclaimed Water · Pool · Sidewalks · Special Community Restrictions · Tennis Court(s) · Wheelchair Access

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Available
WaterPublic

The numbers

What it really costs

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

$8,360 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$6,421
PMI (est., until 20% equity)$446
Property tax — 2024 actual bill$862
HOA fee — from the listing$470
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $119,000Loan30-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% · $119,000
Interest rate6.00%
Loan term

Estimated payment

$8,360/mo

Principal & interest$6,421
PMI (est., until 20% equity)$446
Property taxes (actual bill)$862
HOA / condo fee$470
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 $1.2M
$859KedgeAI estimate $991,451 · range $894K$1.1M$1.2M

vs edgeAI estimate

+20%

Days on market

194 vs 33 typical

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 Grasslands

Map of 2961 SANCTUARY CIRCLE inside its neighborhood boundary

Drive times from this address

Downtown Tampa42 min
Walt Disney World52 min
Tampa Int’l Airport (TPA)53 min
Universal Orlando62 min
Downtown Orlando68 min
Orlando Int’l Airport (MCO)73 min

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

Get to know Lakeland. See the full Lakeland guide →

Grasslands — neighborhood snapshot

Population

1,741

Median age

67

Median income

$65,382

Median home value

$286,300

Avg household

2

Households w/ children

42%

For the school run

Polk County School District

ElementaryDixieland Elementary School★★★★★
HighLakeland Senior High School★★★★★
MiddleSleepy Hill Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Lakeland market

Seller’s marketLeans seller4.9 months of inventoryBuyer’s market

$318K$320K

Lakeland median sold, yr/yr

97.7%

Sale-to-list ratio (12 mo)

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

This home is listed 325% above the LAKELAND 33803 median. See the full Lakeland market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,190,000 $105K
Jan 12, 2026Listed at $1,295,000 · 194 days on market since
2014Built · SANCTUARY AT GRASSLANDS

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 2961 SANCTUARY CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2961 SANCTUARY CIRCLE — 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.

Goes straight to David’s phone and CRM.

Straight answers

2961 SANCTUARY CIRCLE FAQs

What would the monthly payment be for 2961 SANCTUARY CIRCLE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $8,360/mo — principal and interest, the actual property-tax bill, the $470/mo association fee 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.

How much are the HOA fees at 2961 SANCTUARY CIRCLE?+

The association fee works out to $470 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 2961 SANCTUARY CIRCLE?+

The most recent tax bill on record (2024) was $10,349. 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 2961 SANCTUARY CIRCLE?+

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 $1,190,000, this home is listed about 250% above the Lakeland median of $340,000. The market section on this page shows how the area is trending.

Which schools are assigned to 2961 SANCTUARY CIRCLE?+

Dixieland Elementary School (elementary), Lakeland Senior High School (high), Sleepy Hill 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

$1,190,000 runs 325% above the LAKELAND 33803 median — but at 3,432 sqft it's also nearly twice the size of the typical Lakeland listing.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

194 days on market against a Lakeland median of 33 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $1,295,000, now $1,190,000 — a $105K cut. The full history is in the market section below.

Listing courtesy of KELLER WILLIAMS REALTY · Gate Arty. MLS #L4958276.

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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