1317 W BELMAR STREET, LAKELAND, FL, 33815
Active142 days on marketListed Mar 26, 2026MLS #L4960538
About this home
1317 W BELMAR STREET
Move-In ready 3-bedroom, 2-bathroom home situated on 4 lots with No HOA! So bring all your toys! This fully fenced 0.48-acre property offers rare space in the middle of town, along with quick access to shopping, restaurants, medical facilities, local schools including SEU, FSC, and LCS, Bonnet Springs Park, Kelly Recreation Center, Central Soccer fields, the Boys & Girls Club, and a city park with a playscape just one block away. Convenient access to the Polk Parkway also makes commuting to Orlando or Tampa easy for work or play. Inside, this adorable home features an updated kitchen with stainless steel appliances, granite countertops, and newer cabinets, along with fresh paint, new ceiling fans and lighting, vinyl and tile flooring, and beautifully updated bathrooms. The open-concept living and dining areas create a warm, inviting feel, while the spacious owner’s suite includes a walk-in closet and a private en-suite bathroom with a walk-in shower. An indoor laundry room/mudroom adds extra function and convenience. Major updates include new A/C (2021), newer roof (2021), newer septic and drain field (2021), water heater (2021), upgraded 200-amp electrical panel (2021), and new energy-efficient windows (2022). Outside, the whole family will love the 27-foot above-ground pool with a new pump, perfect for backyard fun. The property also includes banana bushes, a metal carport with concrete pad, and two massive sheds, including a 10x10 block building with electricity. With plenty of room to park multiple vehicles, this property offers flexibility, storage, and outdoor enjoyment that’s hard to find at this price. You don’t often find a lot this size in town. Call today for your private showing.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,278
Sqft
0.48 ac
Lot size
1952
Year built
One
Levels
$243
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 — not generic estimates.
$2,371 /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
$2,371/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
−7.7%
$/sqft vs Lakeland actives
$243 vs $193
Days on market
142 vs 45 typical
Where $243/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 Westgate Central Avenue
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Westgate Central Avenue — neighborhood snapshot
Population
2,198
Median age
43
Median income
$36,601
Median home value
$5,622
Avg household
2
Households w/ children
258
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 → $325K
Lakeland median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
217 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 60% above the LAKELAND 33815 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 1317 W BELMAR STREET
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$227,900
211 PRADO PLACE
2 bd · 1 ba · 1,284 sqft · $177/sqft · 2 DOM
Sold · Sep ’25$196,000
619 YOUNG PLACE
3 bd · 1 ba · 1,240 sqft · $158/sqft · 4 DOM
Sold · Aug ’25$187,000
549 YOUNG PLACE
3 bd · 1.5 ba · 1,226 sqft · $153/sqft · 4 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 1317 W BELMAR STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1317 W BELMAR STREET — 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
1317 W BELMAR STREET FAQs
What would the monthly payment be for 1317 W BELMAR STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,371/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 1317 W BELMAR STREET?+
The most recent tax bill on record (2025) was $2,993. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Lakeland?+
At $309,999, this home is listed about 9% below the Lakeland median of $339,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1317 W BELMAR STREET?+
Southwest Middle School (middle), Kathleen Senior High School (high), Scott Lake Elementary School (elementary) — 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
$309,999 runs 60% above the LAKELAND 33815 median.
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
142 days on market against a Lakeland median of 45 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $325,000, now $309,999 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY PRESTIGE · Sandra Canales. MLS #L4960538.
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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