728 W BELMAR STREET, LAKELAND, FL, 33803
Active107 days on marketListed Apr 28, 2026MLS #L4961466
About this home
728 W BELMAR STREET
***LISTED BELOW APPRAISED VALUE*** Beautifully updated two-story bungalow in the heart of Historic Dixieland! Situated on a corner lot, this move-in ready home offers 4 bedrooms, 3 bathrooms, and 2,248 heated square feet. Inside, you’ll find a bright, spacious living room with soaring ceilings and abundant natural light. The kitchen features granite countertops, an island with cooktop, and modern updates throughout. The flexible layout includes the primary suite and one guest bedroom downstairs, with two additional guest bedrooms upstairs. New carpet has been installed on the stairs and upper level. The private primary suite offers generous space and an oversized walk-in closet with custom built-ins. The interior laundry area includes additional flex space for storage, and a bonus room off the garage is perfect for a home office or additional living space. A rare find in Dixieland, the oversized one-car garage features a mini-split AC unit along with a dedicated storage/workshop area. Major updates include AC (2018), main roof (2017 & 2024), and hot water heater (2018). All the charm you love about Dixieland, with the updates you’ve been hoping for. Let's schedule your showing today!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,248
Sqft
0.17 ac
Lot size
1
Garage
1985
Year built
Two
Levels
$189
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.
$3,076 /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
$3,076/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
+15.1%
$/sqft vs Lakeland actives
$189 vs $193
Days on market
107 vs 44 typical
Where $189/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 Dixieland
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Dixieland — neighborhood snapshot
Population
2,413
Median age
39
Median income
$60,581
Median home value
$237,075
Avg household
2
Households w/ children
239
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 44% above the LAKELAND 33803 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 728 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 · Mar ’26$480,000
2804 PRESTWICK DRIVE
3 bd · 2.5 ba · 2,187 sqft · $219/sqft · 187 DOM
Sold · Sep ’25$463,000
311 EASTON DRIVE
4 bd · 3 ba · 2,372 sqft · $195/sqft · 131 DOM
Sold · Sep ’25$412,000
2816 FAIRMOUNT AVENUE
3 bd · 2.5 ba · 2,396 sqft · $172/sqft · 123 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 728 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 728 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
728 W BELMAR STREET FAQs
What would the monthly payment be for 728 W BELMAR STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,076/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 728 W BELMAR STREET?+
The most recent tax bill on record (2025) was $2,714. 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 $425,000, this home is listed about 26% above the Lakeland median of $337,900. The market section on this page shows how the area is trending.
Which schools are assigned to 728 W BELMAR STREET?+
Dixieland Elementary School (elementary), Southwest Middle School (middle), Lakeland 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
01Positioned at the premium end
$425,000 runs 44% above the LAKELAND 33803 median — but at 2,248 sqft it's also 30% larger than the typical Lakeland listing.
02Time on market is leverage
107 days on market against a Lakeland median of 44 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $440,000, now $425,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HELLO FLORIDA REAL ESTATE LLC · Alysia Cortes. MLS #L4961466.
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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