528 S INGRAHAM AVENUE, LAKELAND, FL, 33801
Active36 days on marketListed Jul 3, 2026MLS #L4963235
About this home
528 S INGRAHAM AVENUE
Welcome to 528 S Ingraham Ave, Lakeland, FL, located in the sought-after Biltmore Historic District. This charming 3-bedroom, 1-bathroom home offers timeless character paired with thoughtful updates, all on an oversized 0.27-acre lot. A beautiful covered front porch creates an inviting first impression and provides the perfect place to relax and enjoy the neighborhood. Inside, you'll find a spacious formal living room and a separate formal dining room, offering flexible space for everyday living and entertaining. The updated kitchen features granite countertops, white wood cabinetry, a stylish tile backsplash, and plenty of storage. Hardwood flooring extends throughout most of the home, while two bedrooms are comfortably carpeted and the bathroom showcases classic penny-tile flooring. Major improvements provide added peace of mind, including a new roof installed in 2021 and a new air conditioning system installed in 2022. A one-car garage offers additional storage and convenience. Ideally situated just minutes from Downtown Lakeland, Lake Hollingsworth, Florida Southern College, Lake Morton, and an abundance of shopping, dining, parks, and entertainment, this home combines historic charm with an exceptional location. Don't miss the opportunity to own a beautifully maintained home in one of Lakeland's most established historic neighborhoods.
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
1,004
Sqft
0.27 ac
Lot size
1
Garage
1947
Year built
One
Levels
$299
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.
$2,287 /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
$2,287/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
+24.1%
$/sqft vs Lakeland actives
$299 vs $194
Days on market
36 vs 43 typical
Where $299/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 Biltmore/ Cumberland
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Biltmore/ Cumberland — neighborhood snapshot
Population
246
Median age
28
Median income
$41,913
Median home value
$208,300
Avg household
2
Households w/ children
24%
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)
201 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 18% above the LAKELAND 33801 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 528 S INGRAHAM AVENUE
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$183,000
540 FRANCIS BOULEVARD · same community
3 bd · 1 ba · 998 sqft · $183/sqft · 0 DOM
Sold · Apr ’26$209,900
507 FRANCIS BOULEVARD · same community
2 bd · 1 ba · 1,135 sqft · $185/sqft · 208 DOM
Sold · May ’26$319,900
821 HOLLINGSWORTH ROAD · same community
2 bd · 2 ba · 1,238 sqft · $258/sqft · 254 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 528 S INGRAHAM AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 528 S INGRAHAM AVENUE — 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
528 S INGRAHAM AVENUE FAQs
What would the monthly payment be for 528 S INGRAHAM AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,287/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 528 S INGRAHAM AVENUE?+
The most recent tax bill on record (2025) was $2,750. 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 $299,900, 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 528 S INGRAHAM AVENUE?+
Philip O'Brien Elementary School (elementary), Lakeland Senior High School (high), Sleepy Hill Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY · Garrett Robinson. MLS #L4963235.
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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