2205 CHESTERFIELD CIRCLE, LAKELAND, FL, 33813
Active38 days on marketListed Jun 26, 2026MLS #L4962983
About this home
2205 CHESTERFIELD CIRCLE
Great home available in gated Magnolia Chase! This 4 bedroom, 3 bath pool home, + an office and bonus room, shows like a model. The sparkling screened pool is very inviting and the open lanai features an outdoor kitchen with propane cooktop and grill. The interior features over 3200 square feet of living area with 4 bedrooms, 3 full bathrooms, an office and bonus room/bar/workout room off the family room overlooking the pool. The kitchen is fully equipped with Frigidaire Professional Series appliances. There is also gas fireplace in the family room and a small private office off the primary bedroom that could easily be a nursery. The A/C is a split system for zoned control. The oversized garage has plenty of room for golf carts or recreational vehicles. Make your appointment today to view this great property. Sellers will have home professionally cleaned after seller move-out and prior to closing.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
3,219
Sqft
0.33 ac
Lot size
3
Garage
2001
Year built
One
Levels
$193
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.
$4,170 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,170/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−21.7%
$/sqft vs Lakeland actives
$193 vs $192
Days on market
38 vs 43 typical
Where $193/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 → $325K
Lakeland median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
207 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 54% above the LAKELAND 33813 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 2205 CHESTERFIELD CIRCLE
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$501,000
2331 CHESTERFIELD CIRCLE · same community
4 bd · 2 ba · 2,253 sqft · $222/sqft · 55 DOM
Sold · Nov ’25$710,000
6634 RIDGEMONT RD
5 bd · 3 ba · 2,960 sqft · $240/sqft · 94 DOM
Sold · Aug ’25$867,000
6567 EAGLE RIDGE WAY
5 bd · 3 ba · 3,519 sqft · $246/sqft · 76 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 2205 CHESTERFIELD CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2205 CHESTERFIELD CIRCLE — 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
2205 CHESTERFIELD CIRCLE FAQs
What would the monthly payment be for 2205 CHESTERFIELD CIRCLE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,170/mo — principal and interest, the actual property-tax bill, the $42/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 2205 CHESTERFIELD CIRCLE?+
The association fee works out to $42 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2205 CHESTERFIELD CIRCLE?+
The most recent tax bill on record (2025) was $4,691. 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 2205 CHESTERFIELD CIRCLE?+
The listing reports pets: Cats OK, Dogs OK. 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 $619,900, this home is listed about 80% above the Lakeland median of $343,900. The market section on this page shows how the area is trending.
Which schools are assigned to 2205 CHESTERFIELD CIRCLE?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$619,900 runs 54% above the LAKELAND 33813 median — but at 3,219 sqft it's also nearly twice the size of the typical Lakeland listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $629,900, now $619,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REMAX EXPERTS · Danny Christian. MLS #L4962983.
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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