626 CORTEZ STREET, LAKELAND, FL, 33813
Active51 days on marketListed Jun 18, 2026MLS #L4962825
About this home
626 CORTEZ STREET
Welcome home to this charming 4-bedroom, 2-bath residence nestled in an established South Lakeland neighborhood with NO HOA restrictions. Offering the perfect blend of comfort, privacy, and convenience, this home is ideal for families, first-time buyers, or anyone looking to enjoy the Florida lifestyle. Step inside to find a spacious and functional floor plan designed for everyday living. The updated primary bathroom provides a fresh, modern retreat, while the generous living spaces offer plenty of room for relaxing and entertaining. Enjoy your morning coffee or evening gatherings on the screened lanai overlooking the fully fenced backyard, creating the perfect space for pets, play, gardening, or outdoor entertaining. The large backyard offers privacy and endless possibilities to make it your own. Conveniently located in desirable South Lakeland, you’ll enjoy easy access to shopping, dining, medical facilities, parks, and major roadways while still appreciating the charm and character of an established neighborhood. Don’t miss this opportunity to own a spacious 4-bedroom home with a fenced yard, screened lanai, updated primary bath, and no HOA. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,464
Sqft
0.18 ac
Lot size
1973
Year built
One
Levels
$205
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.
$2,167 /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
$2,167/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
−0.2%
$/sqft vs Lakeland actives
$205 vs $194
Days on market
51 vs 43 typical
Where $205/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 Lakeland
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
LAKELAND 33813 — neighborhood snapshot
Population
38,112
Median age
39.9
Median income
$96,723
Median home value
$330,100
Avg household
2.72
Households w/ children
5,079
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)
200 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 25% below the LAKELAND 33813 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 626 CORTEZ STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$217,500
632 CORTEZ STREET · same community
3 bd · 2 ba · 1,510 sqft · $144/sqft · 175 DOM
Sold · Oct ’25$260,000
616 SOLANA STREET · same community
4 bd · 1 ba · 1,392 sqft · $187/sqft · 16 DOM
Sold · Sep ’25$346,000
603 SOLANA STREET · same community
4 bd · 2 ba · 1,812 sqft · $191/sqft · 55 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 626 CORTEZ STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 626 CORTEZ 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
626 CORTEZ STREET FAQs
What would the monthly payment be for 626 CORTEZ STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,167/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 626 CORTEZ STREET?+
The most recent tax bill on record (2025) was $1,296. 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 $300,000, this home is listed about 12% below the Lakeland median of $339,000. The market section on this page shows how the area is trending.
Which schools are assigned to 626 CORTEZ STREET?+
Medulla Elementary School (elementary), Southwest Middle School (middle), George W. Jenkins Senior High (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of REGAL REAL ESTATE LLC · Tammy Storie. MLS #L4962825.
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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