
725 PENINSULAR DRIVE, LAKELAND, FL, 33813
Active146 days on marketListed Mar 11, 2026MLS #L4960006
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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
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.
$3,670 /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
$3,670/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
+22%
$/sqft vs Lakeland actives
$239 vs $195
Days on market
146 vs 43 typical
Where $239/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 Christina Woods
Drive times from this address
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
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)
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
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.
Sold · Jul ’26$340,000
7037 CRUZ COURT
4 bd · 2 ba · 2,004 sqft · $170/sqft · 39 DOM
Sold · Nov ’25$327,000
7054 CRUZ COURT
4 bd · 2 ba · 1,983 sqft · $165/sqft · 173 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 725 PENINSULAR DRIVE — start here.

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
Pick a day that works — this goes straight to David's phone and CRM.
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.
Keep looking
Similar homes nearby
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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