540 FRANCIS BOULEVARD, LAKELAND, FL, 33801
Active22 days on marketListed Jul 12, 2026MLS #L4963269
About this home
540 FRANCIS BOULEVARD
Biltmore/Cumberland Historic District. This smartly updated 3-bedroom, 1-bath home features an updated kitchen, with new cabinets, quartz countertops & all new stainless steel appliances, inside laundry hook ups, wood floors, a, screened, front porch, updated windows, a carport & storage shed. Roof was replaced in 2020, A/C was replaced in 2024, and hot water heater replaced in 2026. The interior of the home has a fresh coat of paint, beautiful, rounded corner ceilings in the family room, and an updated bathroom. Situated on an oversized, corner, lot, you are only a short walk from Lakeland High School, as well as a short distance from Lake Hollingsworth, Lake Morton, Florida Southern College & Downtown Lakeland. This convenient location allows easy access to numerous amenities throughout the Lakeland area.
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
998
Sqft
0.24 ac
Lot size
1950
Year built
One
Levels
$259
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.
$2,039 /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
$2,039/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
+20.3%
$/sqft vs Lakeland actives
$259 vs $190
Days on market
22 vs 33 typical
Where $259/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
$318K → $320K
Lakeland median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
206 of 400
Lakeland actives have cut their price
Median sold price, Lakeland, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 540 FRANCIS BOULEVARD
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 540 FRANCIS BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 540 FRANCIS BOULEVARD — 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
540 FRANCIS BOULEVARD FAQs
What would the monthly payment be for 540 FRANCIS BOULEVARD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,039/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 540 FRANCIS BOULEVARD?+
The most recent tax bill on record (2025) was $2,878. 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 540 FRANCIS BOULEVARD?+
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 $258,950, this home is listed about 24% below the Lakeland median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 540 FRANCIS BOULEVARD?+
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 PORCHLIGHT HOMES LLC · Gregory Wilhelm. MLS #L4963269.
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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