4848 ISLAND SHORES LANE, LAKELAND, FL, 33809
Active157 days on marketListed Mar 9, 2026MLS #L4960030
About this home
4848 ISLAND SHORES LANE
NEWLY REMODELED 5 BEDROOM, 4 BATHROOM LAKEFRONT POOL HOME SITUATED ON A GENEROUS (.70) ACRE LOT LOCATED IN LAKELAND, FL!!! Welcome to your custom waterfront retreat in the highly sought after gated community of Lake Gibson Shores. The quality and workmanship of the renovations will not disappoint! The most notable updates of this home include: NEW ROOF-2025, LUXURY VINYL PLANK FLOORING THROUGHT-2026, QUARTZ COUNTERTOPS AND BACKSPLASH IN KITCHEN-2026, NEW SCREEN PANELS IN POOL ENCLOSURE-2026, INTERIOR/EXTERIOR PAINT-2026, TOUNGE AND GROOVE CEILINGS ON BACK PATIO AND FRONT ENTRYWAY-2025, SEVERAL LIGHTING FIXTURES-2026 AND ALL DRIVEWAY/POOL AREA PAVERS CLEANED, SANDED AND SEALED-2026!!! Upon entering you will be greeted with soaring ceilings and an abundance of natural light. As you make your way past the formal areas into the great room you will be astonished by the serene pool/spa and lake views and beautiful double fireplace. The adjoining eat-in kitchen features an abundance of hardwood cabinetry with new hardware, beautiful countertops, center island with wine refrigerator, and walk-in pantry with built-in shelving. The primary en-suite is oversized and features trayed ceilings, crown molding, canned lighting and a cozy fireplace. The walk-in closet in the primary bedroom is massive and features hardwood built-ins and leads to a large bathroom with jetted tub and exercise area. This home boasts a triple split floorplan and also a large bonus room for complete privacy. All other bedrooms are a generous size, and all bathrooms include granite countertops. Don't forget about the outdoor summer kitchen! Equipped with a built-in grill, gas cooktop, refrigerator, sink, ice maker and granite bar top, your family and friends will surely make plenty of great memories here. The composite dock is covered and has multiples lifts to accommodate your boat and all your water toys! The sunset from the rear of this property is truly breathtaking. A few other features worth mentioning are: central vac, in-wall pest control, epoxy coated garage floors and whole house surround sound. The bonus room would make a great movie/media area. This custom home is conveniently located in close proximity to I-4, which is the major corridor between Tampa International and Orlando International Airport. Florida Polytechnic University is just a short drive and is the only public university dedicated exclusively to STEM (Science, Technology, Engineering, and Math). The nearby Circuit Florida is a high-end motor sports resort and features luxury condominiums and attracts car enthusiasts from all over the world! Shopping, restaurants and medical are also within close proximity. Don't miss an opportunity to own this true lakefront oasis, one that's away from it all, but yet so close to everything.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
4,011
Sqft
0.7 ac
Lot size
3
Garage
2006
Year built
Two
Levels
$331
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.
$9,253 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$9,253/mo
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.
$/sqft vs Lakeland actives
$331 vs $193
Days on market
157 vs 44 typical
Where $331/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 Gibsonia
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Gibsonia — neighborhood snapshot
Population
4,638
Median age
39
Median income
$68,792
Median home value
$269,302
Avg household
3
Households w/ children
651
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 → $320K
Lakeland median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
210 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 309% above the LAKELAND 33809 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 4848 ISLAND SHORES LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$303,000
5737 SANDS POINT DRIVE · same community
3 bd · 2 ba · 1,592 sqft · $190/sqft · 12 DOM
Sold · Mar ’26$1,050,000
390 WINDERMERE DRIVE
5 bd · 5 ba · 3,620 sqft · $290/sqft · 247 DOM
Sold · Jan ’26$425,000
334 HEATHERPOINT DRIVE
4 bd · 2.5 ba · 2,829 sqft · $150/sqft · 121 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 4848 ISLAND SHORES LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4848 ISLAND SHORES LANE — 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
4848 ISLAND SHORES LANE FAQs
What would the monthly payment be for 4848 ISLAND SHORES LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,253/mo — principal and interest, the actual property-tax bill, the $233/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 4848 ISLAND SHORES LANE?+
The association fee works out to $233 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4848 ISLAND SHORES LANE?+
The most recent tax bill on record (2025) was $14,285. 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 4848 ISLAND SHORES LANE?+
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 $1,329,000, this home is listed about 293% above the Lakeland median of $337,900. The market section on this page shows how the area is trending.
Which schools are assigned to 4848 ISLAND SHORES LANE?+
Edgar L. Padgett Elementary (elementary), Lake Gibson Middle School (middle), Lake Gibson Senior High School (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
$1,329,000 runs 309% above the LAKELAND 33809 median — but at 4,011 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
157 days on market against a Lakeland median of 44 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,359,000, now $1,329,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Bryan Dicks. MLS #L4960030.
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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