652 COTTAGE LANE, LAKELAND, FL, 33803
Active95 days on marketListed Apr 30, 2026MLS #L4960695
About this home
652 COTTAGE LANE
Affordability!! Southside Move-In Ready Villa! Don’t miss this immaculate 2BR/2Bath open floor plan condo in “The Villas”. This sought-after 55+ unit is in turnkey condition with many upgrades including the NEW Air Conditioning ( July - 2026). The updated kitchen features a globe ceiling with fan, accompanying appliances include the dishwasher (2023), new stove (2026) and microwave (2021), countertops and pantry with pull out cabinets. This well kept home has a formal dining room and living room with wood floors. Both bathrooms have been updated with newer lighting, cabinets, counters and replumbed. Easily accessible front door, with no step down from the carport and covered walkway. This villa has a separate laundry room that includes washer/dryer plus extra storage. Side open patio is perfect for morning coffee. Don’t miss this outstanding value with #1 view in the villas OF private backyard & woods! This is truly maintenance-free living. Close to Everything, Kelly Recreation Center, Restaurants, Walmart, Polk Parkway and easy access to I-4!! Call Me Today!! Don’t wait to see this Exceptional Value.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,176
Sqft
0.06 ac
Lot size
1970
Year built
One
Levels
$126
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.
$1,112 /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
$1,112/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
−8.9%
$/sqft vs Lakeland actives
$126 vs $190
Days on market
95 vs 33 typical
Where $126/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 Imperial
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Imperial — neighborhood snapshot
Population
1,540
Median age
36
Median income
$63,007
Median home value
$183,783
Avg household
2
Households w/ children
100%
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
$318K → $320K
Lakeland median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
203 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 49% below the LAKELAND 33803 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 652 COTTAGE 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$150,000
540 KELSEY STREET · same community
2 bd · 2 ba · 1,176 sqft · $128/sqft · 329 DOM
Sold · Apr ’26$155,000
612 AVERY LANE · same community
2 bd · 2 ba · 1,176 sqft · $132/sqft · 59 DOM
Sold · Oct ’25$164,900
616 AVERY LANE · same community
2 bd · 2 ba · 1,176 sqft · $140/sqft · 6 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 652 COTTAGE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 652 COTTAGE 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
652 COTTAGE LANE FAQs
What would the monthly payment be for 652 COTTAGE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,112/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 652 COTTAGE LANE?+
The most recent tax bill on record (2025) was $191. 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 652 COTTAGE LANE?+
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 $147,900, this home is listed about 56% below the Lakeland median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 652 COTTAGE LANE?+
Southwest Middle School (middle), Southwest Elementary School (elementary), Kathleen Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the LAKELAND 33803 market on paper
$147,900 is 49% below the LAKELAND 33803 median of $292,500, and at $126/sqft it sits under the Lakeland average of $205.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
95 days on market against a Lakeland median of 33 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of REMAX EXPERTS · Jay Hickman, Jr. MLS #L4960695.
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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