861 E LOWELL STREET, LAKELAND, FL, 33805
Active40 days on marketListed Jun 18, 2026MLS #L4962891
About this home
861 E LOWELL STREET
Welcome to 861 E Lowell Street, a well-maintained 4-bedroom, 2-bath home situated on a rare oversized corner lot in Lakeland. Offering 1,333 square feet of living space, this home makes excellent use of every square foot with a functional layout designed to accommodate a variety of lifestyles. NEW FLAT ROOF for buyers peace of mind! Inside, you'll find an open living and dining area, updated flooring, and a beautifully renovated kitchen featuring granite countertops, ample cabinetry, and bar seating. The four-bedroom floor plan provides flexibility for living, guests, a home office, or hobby space. Step outside and enjoy the benefits of the oversized corner lot, offering plenty of room for entertaining, pets, gardening, storage, or future possibilities. A welcoming front porch adds to the home's charm and curb appeal. Conveniently located near shopping, dining, schools, medical facilities, and major commuter routes, this property offers a great combination of functionality, outdoor space, and value. Don't miss your opportunity to own this versatile 4-bedroom home in a convenient Lakeland location. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,201
Sqft
0.17 ac
Lot size
1957
Year built
One
Levels
$207
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.
$2,008 /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
$2,008/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
+11.7%
$/sqft vs Lakeland actives
$207 vs $194
Days on market
40 vs 33 typical
Where $207/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 Lakeshore
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Lakeshore — neighborhood snapshot
Population
1,466
Median age
34
Median income
$43,337
Median home value
$200,957
Avg household
3
Households w/ children
162
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 4% above the LAKELAND 33805 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 861 E LOWELL STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$155,000
933 LAKEHURST STREET · same community
2 bd · 1 ba · 1,088 sqft · $142/sqft · 180 DOM
Sold · Sep ’25$81,000
724 AVENUE D SW · same community
2 bd · 1 ba · 1,040 sqft · $78/sqft · 23 DOM
Sold · Mar ’26$276,000
1622 SAINT JAMES AVENUE · same community
3 bd · 2 ba · 1,368 sqft · $202/sqft · 27 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 861 E LOWELL STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 861 E LOWELL 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
861 E LOWELL STREET FAQs
What would the monthly payment be for 861 E LOWELL STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,008/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 861 E LOWELL STREET?+
The most recent tax bill on record (2025) was $3,259. 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 861 E LOWELL STREET?+
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 $248,999, this home is listed about 27% below the Lakeland median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 861 E LOWELL STREET?+
North Lakeland Elementary School Of Choice (elementary), Lake Gibson Middle School (middle), Tenoroc High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Destiny Pacanins. MLS #L4962891.
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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