549 PENINSULAR DRIVE, LAKELAND, FL, 33813
Active38 days on marketListed Jun 26, 2026MLS #L4963105
Come see it
Upcoming open house
Wed, Aug 5
11:00 AM – 1:00 PM
Broker
Join us for a progressive brokers open through Christina! Each home will have goodies. Join me for a drink and a giftcard gives away sponsored by Easy Title Company!
About this home
549 PENINSULAR DRIVE
A rare opportunity to own in Woods of Christina, one of Lakeland's most sought-after communities in South Lakeland. This community boasts privacy, beautifully maintained streets, and low HOA. This 3 bedroom 2 bath home offers a split floor plan with ample space for entertaining, working from home, and enjoying the outdoor Florida lifestyle. You'll love the double front doors offering a grand entrance into the formal living room, which could easily be converted to a den or office. A formal dining room for gathering with family and friends. A spacious kitchen is the heart of the home with ample cabinetry and eat in kitchen space. The large family room boasts vaulted ceilings and even a wood burning fireplace. This home shines with natural light and views overlooking the canal, leading to the lake behind the home. All 3 bedrooms spacious with plenty of closet space. A large laundry room is great for organizing daily life and keeping the home flowing smoothly. The primary suite offers dual sinks, a soaking tub, and large walk in shower. Entertaining would be a breeze with outdoor space waiting for you to make it your own, including a fully fenced backyard. Check out this lovely home and make it yours today! Roof replaced 10/2014, Hot water heater January 2026, AC January 2020.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,272
Sqft
0.36 ac
Lot size
2
Garage
1990
Year built
One
Levels
$170
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.
$2,867 /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
$2,867/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
−7.6%
$/sqft vs Lakeland actives
$170 vs $191
Days on market
38 vs 33 typical
Where $170/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 Christina Woods
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Christina Woods — neighborhood snapshot
Population
2,765
Median age
43
Median income
$110,077
Median home value
$340,637
Avg household
3
Households w/ children
355
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)
208 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% below the LAKELAND 33813 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 549 PENINSULAR DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$450,000
509 CENTURY OAK COURT · same community
4 bd · 2.5 ba · 2,338 sqft · $192/sqft · 49 DOM
Sold · May ’26$590,000
521 CENTURY OAK COURT · same community
3 bd · 3 ba · 2,501 sqft · $236/sqft · 114 DOM
Sold · Sep ’25$789,500
6948 HAYTER DRIVE · same community
4 bd · 5.5 ba · 4,968 sqft · $159/sqft · 17 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 549 PENINSULAR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 549 PENINSULAR DRIVE — 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
549 PENINSULAR DRIVE FAQs
What would the monthly payment be for 549 PENINSULAR DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,867/mo — principal and interest, the actual property-tax bill, the $20/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 549 PENINSULAR DRIVE?+
The association fee works out to $20 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 549 PENINSULAR DRIVE?+
The most recent tax bill on record (2025) was $2,929. 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 549 PENINSULAR DRIVE?+
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 $386,000, this home is listed about 14% above the Lakeland median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 549 PENINSULAR DRIVE?+
Scott Lake Elementary School (elementary), Lakeland Highlands 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
01Under the LAKELAND 33813 market on paper
$386,000 is 4% below the LAKELAND 33813 median of $402,500, and at $170/sqft it sits under the Lakeland average of $205.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $399,000, now $386,000 — a $13K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COMPASS FLORIDA LLC · Lindsey Thibodeau. MLS #L4963105.
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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