
2775 HIGHLANDS CREEK DRIVE, LAKELAND, FL, 33813
Pending24 days on marketListed Jul 16, 2026MLS #L4963410
About this home
2775 HIGHLANDS CREEK DRIVE
WELCOME to this beautifully maintained 3-bedroom, 2.5-bath home located in Highlands Creek, a gated South Lakeland community just off Crews Lake Road and convenient to shopping, dining, medical facilities, and desirable school zones. Distinctive Bahama shutters and attractive landscaping create wonderful curb appeal. Inside, the home feels bright and welcoming, with abundant natural light, an open-concept layout, custom light fixtures, vaulted and tray ceilings, and porcelain tile flooring throughout. Plantation shutters enhance every interior window, adding both style and privacy. The spacious living room area, with a built-in stacked stone fireplace that adds ambience, flows seamlessly into the dining area and kitchen, making the home ideal for everyday living and entertaining. The kitchen offers granite countertops, resurfaced cabinetry, newer stainless-steel appliances, and plenty of workspace and storage. The split-bedroom floor plan provides privacy for the generously sized primary bedroom suite, which includes a spacious ensuite bathroom with a double-sink vanity, walk-in shower, and a garden tub. Two additional bedrooms and a well-appointed guest bathroom are located on the opposite side of the home. Sliding glass doors open to a screened back porch overlooking the beautifully landscaped, fully vinyl-fenced private backyard. A side paver patio provides additional outdoor space for grilling, relaxing, or entertaining. Hurricane shutters provide added peace of mind. Additional features include an interior laundry area with a newer washer and dryer that will remain with the home, and a two-car garage with an epoxy-coated floor. Both the roof and air-conditioning system are approximately five years old. With its open layout, natural light, stylish finishes, inviting outdoor spaces, and convenient South Lakeland location, this Highlands Creek home is ready to welcome its next owner.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,981
Sqft
0.24 ac
Lot size
2
Garage
2003
Year built
One
Levels
$202
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.
$3,025 /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
$3,025/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.
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 → $316K
Lakeland median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
Median sold price, Lakeland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1% below the LAKELAND 33813 median. See the full Lakeland market guide →
Paper trail
This home's history
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 2775 HIGHLANDS CREEK DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2775 HIGHLANDS CREEK 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
2775 HIGHLANDS CREEK DRIVE FAQs
What would the monthly payment be for 2775 HIGHLANDS CREEK DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,025/mo — principal and interest, the actual property-tax bill, the $38/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 2775 HIGHLANDS CREEK DRIVE?+
The association fee works out to $38 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2775 HIGHLANDS CREEK DRIVE?+
The most recent tax bill on record (2025) was $3,547. 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 2775 HIGHLANDS CREEK 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 $399,900, this home is listed about 18% above the Lakeland median of $339,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2775 HIGHLANDS CREEK DRIVE?+
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.
Listing courtesy of REMAX EXPERTS · Maria Santillo. MLS #L4963410.
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.
Never miss a listing
New Lakeland homes, in your inbox
Like 2775 HIGHLANDS CREEK DRIVE but not quite? A daily digest of every new listing in Lakeland — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →