David Ramirez
$479,000$495,0003 bd2.5 ba2,002 sqft$239 /sqft$3,670 /mo all-in ↓

725 PENINSULAR DRIVE, LAKELAND, FL, 33813

Active146 days on marketListed Mar 11, 2026MLS #L4960006

Reduced $16KWaterfrontSingle Family ResidenceCHRISTINA PH 11 REP

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About this home

725 PENINSULAR DRIVE

PRICE IMPROVEMENT For the love of sunrise and sunset views, Florida waterfront living at 725 Peninsular Dr in Lakeland, Florida can feel like an endless vacation. Welcome to this 3 bedroom, 2.5 bath, 2 car garage home perfectly positioned on a peninsula street with expansive water views and a tranquil setting. The appeal of natural Florida can be found in the Christina neighborhood where unique homes sit among the mature oak trees, rolling terrain and scenic lake views. Imagine waking up to a breathtaking sunrise over the lake in your backyard every single day. You can feel the gentle lake breeze and hear the sounds of birds singing as you sip your favorite drink from the rocking chair on your screened porch. After taking in the mesmerizing view, you can launch a kayak, a paddleboard or boat with an electric motor from your seawall and private dock to get a closer look at the native wildlife or cast a fishing line in search of the wide mouth bass. Unpaved hiking, mountain bike trails, dog park, skate park, sports fields and golf are all a short drive away. Inside this two story home, the spacious great room features soaring ceilings and a cozy gas fireplace. Triple, pocket sliding glass doors open wide to let the breeze blow in from the screened porch. The galley style kitchen features a bay window with casual dining space for sunset views over the lake across the street at the front of the house. The kitchen’s raised countertop for barstools and great room give you additional space for dining. The downstairs primary bedroom suite provides a relaxing retreat with sunrise lake views, a private bath featuring a soaking tub, separate shower, dual-sink vanity and a generous walk-in closet. A convenient half bath is a few steps down the hall from the great room. Upstairs, you'll find two spacious bedrooms each with a walk-in closet and door to the shared bathroom which works well for a family or visiting guests. A large laundry room with utility sink, extra storage space and a washer and dryer that stays with the house is located next to the oversized garage. Outside, mature landscaping enhances the home's curb appeal while the irrigation system draws water directly from the lake reducing utility costs. Additional updates to the home include a new HVAC system (2025), exterior repainting (2025), and the home has been re-piped for added peace of mind. Whether you want to be a seasonal or full time resident, this home offers an ideal Florida lifestyle conveniently located near restaurants, grocery and retail shopping, medical, banking, golf, county parks, storage facility with RV parking and more. This home can be your full-time residence or a furnished seasonal getaway that gives you an escape from the snow. Request a showing of this lakefront home today to see the best of Florida living where everyday can feel like a vacation. Lakeland, Florida has been ranked as a fast growing economic hub with strong appeal to business, culture and an active outdoor lifestyle. Centrally located between the Tampa and Orlando International airports, Florida’s east and west coast beaches and Florida’s numerous theme parks, if you have a love for culture and the outdoors, it is time that you give Lakeland a close look.

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

2,002

Sqft

0.16 ac

Lot size

2

Garage

1995

Year built

Two

Levels

$239

Per sqft

WaterfrontFireplaceWater viewTurnkeyPets allowed

Inside

FlooringCarpet · Ceramic Tile · Laminate
AppliancesDishwasher · Dryer · Electric Water Heater · Range · Range Hood · Refrigerator · Washer
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Skylight(s) · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingElectric · Heat Pump
FurnishedTurnkey

Outside & construction

RoofShingle
ConstructionBlock · Stucco · Vinyl Siding · Wood Frame
FoundationSlab
ViewWater
FacesWest
ParkingDriveway · Garage Door Opener
ExteriorIrrigation System · Sliding Doors

Community & fees

HOA fee$30/mo
Taxes (2025)$5,377/yr
PetsYes

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Phone Available · Public · Sewer Connected · Underground Utilities · Water Connected
WaterCanal/Lake For Irrigation · Public

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.

$3,670 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,820
FHA mortgage insurance (est.)$212
Property tax — 2025 actual bill$448
HOA fee — from the listing$30
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,765Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $16,765
Interest rate6.00%
Loan term

Estimated payment

$3,670/mo

Principal & interest$2,820
FHA mortgage insurance (est.)$212
Property taxes (actual bill)$448
HOA / condo fee$30
Est. insurance$160

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.

List $479K
$346KedgeAI estimate $392,652 · range $360K$447K$498K

vs edgeAI estimate

+22%

$/sqft vs Lakeland actives

$239 vs $195

Days on market

146 vs 43 typical

Where $239/sqft sits among the 400 Lakeland actives

73
137
108
37 · this home
19
26
$127–162$162–196$196–231$231–265$265–300$300+

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 Christina Woods

Map of 725 PENINSULAR DRIVE inside its neighborhood boundary

Drive times from this address

Downtown Tampa43 min
Tampa Int’l Airport (TPA)55 min
Walt Disney World56 min
Universal Orlando66 min
Downtown Orlando72 min

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

Get to know Lakeland. See the full Lakeland guide →

Christina Woods — neighborhood snapshot

Population

2,765

Median age

43

Median income

$110,077

Median home value

$340,637

Avg household

3

Households w/ children

355

For the school run

Polk County School District

ElementaryScott Lake Elementary School★★★★★
MiddleLakeland Highlands Middle School★★★★★
HighGeorge W. Jenkins Senior High★★★★★

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

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)

189 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 19% above the LAKELAND 33813 median. See the full Lakeland market guide →

Paper trail

This home's history

CurrentPrice reduced to $479,000 $16K
Mar 11, 2026Listed at $495,000 · 146 days on market since
1995Built · CHRISTINA PH 11 REP

Reality check

What actually sold near 725 PENINSULAR DRIVE

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

7037 CRUZ COURTSold · Jul ’26

$340,000

7037 CRUZ COURT

4 bd · 2 ba · 2,004 sqft · $170/sqft · 39 DOM

7054 CRUZ COURTSold · Nov ’25

$327,000

7054 CRUZ COURT

4 bd · 2 ba · 1,983 sqft · $165/sqft · 173 DOM

135 COUNTRY CLUB LANESold · May ’26

$425,000

135 COUNTRY CLUB LANE

3 bd · 2 ba · 1,972 sqft · $216/sqft · 9 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 725 PENINSULAR DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 725 PENINSULAR DRIVE — before you fall in love.

See it in person

Schedule a tour

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Straight answers

725 PENINSULAR DRIVE FAQs

What would the monthly payment be for 725 PENINSULAR DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,670/mo — principal and interest, the actual property-tax bill, the $30/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 725 PENINSULAR DRIVE?+

The association fee works out to $30 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 725 PENINSULAR DRIVE?+

The most recent tax bill on record (2025) was $5,377. 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 725 PENINSULAR DRIVE?+

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 $479,000, this home is listed about 40% above the Lakeland median of $341,850. The market section on this page shows how the area is trending.

Which schools are assigned to 725 PENINSULAR DRIVE?+

Scott Lake Elementary School (elementary), Lakeland Highlands Middle School (middle), George W. Jenkins Senior High (high) — 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

$479,000 runs 19% above the LAKELAND 33813 median — but at 2,002 sqft it's also 16% larger than 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

146 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 $495,000, now $479,000 — a $16K cut. The full history is in the market section below.

Listing courtesy of REMAX EXPERTS · Angie Workman. MLS #L4960006.

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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