5444 RIVER ROCK ROAD, LAKELAND, FL, 33809
Active157 days on marketListed Feb 26, 2026MLS #L4959787
About this home
5444 RIVER ROCK ROAD
Perfectly located 3 bedroom, 2.5 bathroom Townhome in Cobblestone Landing. Open floor plan, primary bedroom located upstairs has walk-in closet and on suite bath. Townhome is close to major highways, shopping and restaurants. Lovely Community pool with cabana area. HOA fees include Exterior maintenance, Grounds maintenance and Pool maintenance.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,302
Sqft
0.02 ac
Lot size
2006
Year built
Two
Levels
$142
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 and the real association fee — not generic estimates.
$1,903 /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
$1,903/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
−13.8%
$/sqft vs Lakeland actives
$142 vs $192
Days on market
157 vs 33 typical
Where $142/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 Lakeland
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
The numbers that matter
The Lakeland market
$318K → $320K
Lakeland median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
207 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 46% below the Lakeland median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 5444 RIVER ROCK ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$205,000
519 SANDSTONE STREET · same community
3 bd · 2.5 ba · 1,302 sqft · $157/sqft · 103 DOM
Sold · Jan ’26$175,500
5455 QUARRY ROCK ROAD UNIT 5455 · same community
3 bd · 2.5 ba · 1,302 sqft · $135/sqft · 54 DOM
Sold · Jun ’26$175,000
5434 RIVER ROCK ROAD · same community
2 bd · 2.5 ba · 1,496 sqft · $117/sqft · 36 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 5444 RIVER ROCK ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5444 RIVER ROCK 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.
Straight answers
5444 RIVER ROCK ROAD FAQs
What would the monthly payment be for 5444 RIVER ROCK ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,903/mo — principal and interest, the actual property-tax bill, the $342/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 5444 RIVER ROCK ROAD?+
The association fee works out to $342 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5444 RIVER ROCK ROAD?+
The most recent tax bill on record (2025) was $2,774. 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 5444 RIVER ROCK ROAD?+
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 $184,900, this home is listed about 46% below the Lakeland median of $340,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the Lakeland market on paper
$184,900 is 46% below the Lakeland median of $340,000, and at $142/sqft it sits under the Lakeland average of $205.
02Time on market is leverage
157 days on market against a Lakeland median of 33 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $199,000, now $184,900 — a $14K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of AVERY PROPERTIES INC. · Jan Avery. MLS #L4959787.
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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