400 S HOWARD AVENUE, LAKELAND, FL, 33815
Active114 days on marketListed Apr 16, 2026MLS #L4960968
About this home
400 S HOWARD AVENUE
Welcome to 400 Howard Ave Unit B, located in the beautiful city of Lakeland, Florida! This charming unit offers a comfortable and stylish living experience, complete with several desirable features and amenities. Upon entering, you'll immediately notice the upgraded flooring that adds a touch of elegance and durability to the space. The interior is adorned with custom barn doors, adding a unique and trendy element to the overall design along with two balconies, a loft space and courtyard outside. The unit boasts a single car garage, providing convenience and ample storage space for your vehicle and belongings. No need to worry about parking or protection from the elements. Situated within a welcoming community, you'll have access to a refreshing swimming pool where you can cool off, relax, and enjoy the Florida sunshine. Whether you're an avid swimmer or prefer to lounge poolside, this amenity is perfect for leisurely afternoons or socializing with neighbors. The homeowner's association (HOA) at this property offers an extensive list of services and benefits. Cable TV, internet, and pool maintenance are included, ensuring a hassle-free experience for all residents. Additionally, the HOA covers escrow reserves fund, fidelity bond, insurance, maintenance of the exterior and grounds, as well as other essential services. Don't miss the opportunity to make this stunning unit your new home. Contact us today to schedule a viewing and discover the comfort and convenience that awaits you. HOUSE IS SOLD "AS-IS " for the convenience of the Seller and Needs some TLC.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,844
Sqft
0.03 ac
Lot size
1
Garage
1981
Year built
Two
Levels
$129
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.
$2,387 /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
$2,387/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.
$/sqft vs Lakeland actives
$129 vs $194
Days on market
114 vs 43 typical
Where $129/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 Winston
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Winston — neighborhood snapshot
Population
10,023
Median age
47
Median income
$45,211
Median home value
$79,754
Avg household
2
Households w/ children
920
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)
201 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 18% above the LAKELAND 33815 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 400 S HOWARD AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$245,000
416 HOWARD AVENUE UNIT B · same community
3 bd · 2.5 ba · 1,936 sqft · $127/sqft · 117 DOM
Sold · Apr ’26$170,000
416 HOWARD AVENUE UNIT D · same community
2 bd · 2.5 ba · 1,691 sqft · $101/sqft · 288 DOM
Sold · Jan ’26$445,000
630 HOWARD AVENUE
3 bd · 3 ba · 1,875 sqft · $237/sqft · 66 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 400 S HOWARD AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 400 S HOWARD AVENUE — 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
400 S HOWARD AVENUE FAQs
What would the monthly payment be for 400 S HOWARD AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,387/mo — principal and interest, the actual property-tax bill, the $483/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 400 S HOWARD AVENUE?+
The association fee works out to $483 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 400 S HOWARD AVENUE?+
The most recent tax bill on record (2025) was $2,929. 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 400 S HOWARD AVENUE?+
The listing reports pets: Breed Restrictions, 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 $237,000, this home is listed about 30% below the Lakeland median of $339,000. The market section on this page shows how the area is trending.
Which schools are assigned to 400 S HOWARD AVENUE?+
Jesse Keen Elementary School (elementary), Kathleen Senior High School (high), Sleepy Hill Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$237,000 runs 18% above the LAKELAND 33815 median.
02Golf Course & Trees/Woods views
The golf course and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
114 days on market against a Lakeland median of 43 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of JOSEPH REALTY, INC · Joe Joseph. MLS #L4960968.
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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