125 N KENTUCKY AVENUE UNIT 505, LAKELAND, FL, 33801
Active121 days on marketListed Apr 17, 2026MLS #L4961134
About this home
125 N KENTUCKY AVENUE UNIT 505
Perched on the top floor of the coveted Lofts on the Park, this rare luxury studio offers a front-row seat to the heartbeat of Downtown Lakeland, with sweeping panoramic views directly overlooking Munn Park. Opportunities like this are few and far between—where elevated living meets an unmatched downtown backdrop. Inside, the residence captures a striking modern-industrial aesthetic, blending polished concrete floors with soaring exposed ceilings to create a space that feels both refined and effortlessly cool. Natural light pours through oversized windows, unobstructed at this level, illuminating every carefully curated detail and enhancing the open, airy feel that sets this loft apart. The kitchen is designed to impress, featuring rich wood cabinetry, granite countertops, and stainless steel appliances—perfect for entertaining or crafting your favorite meal or evening cocktail while taking in the city views below. The thoughtfully designed layout includes a spacious walk-in closet and a beautifully appointed bathroom with upscale finishes, delivering both style and functionality. With secure entry and a boutique-style atmosphere, this residence offers privacy and peace of mind in the center of it all. Step outside and immerse yourself in Lakeland’s vibrant lifestyle—award-winning restaurants, local cafés, art galleries, Lake Mirror, Lake Morton, the Saturday Farmers Market, and the beloved First Friday events are all just moments away. This is more than a loft—it’s a statement. A rare opportunity to own a distinctive piece of Downtown Lakeland, where urban energy, artistic flair, and elevated living come together in one exclusive address.
Facts & features
The home at a glance
1
Bedrooms
1.5
Bathrooms
791
Sqft
0.01 ac
Lot size
2007
Year built
One
Levels
$405
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.
$3,470 /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
$3,470/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
$405 vs $193
Days on market
121 vs 45 typical
Where $405/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 Downtown Lakeland
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Downtown Lakeland — neighborhood snapshot
Population
811
Median age
35
Median income
$35,018
Median home value
$237,441
Avg household
2
Households w/ children
53%
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)
224 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 28% above the LAKELAND 33801 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 125 N KENTUCKY AVENUE UNIT 505
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$299,000
125 N KENTUCKY AVENUE UNIT 207 · same community
1 bd · 1 ba · 917 sqft · $326/sqft · 82 DOM
Sold · Nov ’25$229,000
1128 OLIVE STREET
2 bd · 1 ba · 792 sqft · $289/sqft · 39 DOM
Sold · Jul ’26$218,000
1041 S DAKOTA AVENUE
2 bd · 2 ba · 816 sqft · $267/sqft · 42 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 125 N KENTUCKY AVENUE UNIT 505 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 125 N KENTUCKY AVENUE UNIT 505 — 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
125 N KENTUCKY AVENUE UNIT 505 FAQs
What would the monthly payment be for 125 N KENTUCKY AVENUE UNIT 505?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,470/mo — principal and interest, the actual property-tax bill, the $866/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 125 N KENTUCKY AVENUE UNIT 505?+
The association fee works out to $866 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 125 N KENTUCKY AVENUE UNIT 505?+
The most recent tax bill on record (2025) was $5,020. 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 125 N KENTUCKY AVENUE UNIT 505?+
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 $320,000, this home is listed about 6% below the Lakeland median of $339,000. The market section on this page shows how the area is trending.
Which schools are assigned to 125 N KENTUCKY AVENUE UNIT 505?+
Philip O'Brien Elementary School (elementary), Lakeland 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
Four things that matter here
01Positioned at the premium end
$320,000 runs 28% above the LAKELAND 33801 median.
02City views
The city view is part of what you're buying — views hold value independently of the structure.
03Know the monthly fee
The association fee is $866/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
04Time on market is leverage
121 days on market against a Lakeland median of 45 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY · Darren Moreno. MLS #L4961134.
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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