David Ramirez
Pending
$399,9003 bd2.5 ba1,981 sqft$202 /sqft$3,025 /mo all-in ↓

2775 HIGHLANDS CREEK DRIVE, LAKELAND, FL, 33813

Pending24 days on marketListed Jul 16, 2026MLS #L4963410

Single Family ResidenceHIGHLANDS CRK

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

FireplaceGarden viewPets allowed

Inside

FlooringPorcelain Tile
AppliancesDishwasher · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Open Floorplan · Primary Bedroom Main Floor · Solid Wood Cabinets · Split Bedroom · Stone Counters · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
ViewGarden
FacesSouth
ParkingDriveway · Garage Faces Side
ExteriorIrrigation System · Shade Shutter(s) · Sliding Doors

Community & fees

HOA fee$38/mo
Taxes (2025)$3,547/yr
PetsYes
CommunityDeed Restrictions · Gated Community - No Guard

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Connected · Electricity Connected
WaterPublic

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%

Principal & interest$2,354
FHA mortgage insurance (est.)$177
Property tax — 2025 actual bill$296
HOA fee — from the listing$38
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $13,997Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $13,997
Interest rate6.00%
Loan term

Estimated payment

$3,025/mo

Principal & interest$2,354
FHA mortgage insurance (est.)$177
Property taxes (actual bill)$296
HOA / condo fee$38
Est. insurance$160

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

Map of 2775 HIGHLANDS CREEK DRIVE

Drive times from this address

Downtown Tampa47 min
Walt Disney World55 min
Tampa Int’l Airport (TPA)59 min
Universal Orlando66 min
Downtown Orlando72 min

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

ElementaryMedulla Elementary School★★★★
MiddleSouthwest Middle School★★★★
HighGeorge W. Jenkins Senior High★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Lakeland market

Seller’s marketLeans seller3.8 months of inventoryBuyer’s 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

Jul 16, 2026Listed at $399,900 · 24 days on market since
2003Built · HIGHLANDS CRK

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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2775 HIGHLANDS CREEK DRIVE — start here.

Andrew Acosta

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

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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.

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