David Ramirez
$499,9003 bd2 ba1,372 sqft$364 /sqft$3,615 /mo all-in ↓

11637 US HIGHWAY 98 N, LAKELAND, FL, 33809

Active17 days on marketListed Jul 20, 2026MLS #L4963483

Private poolSingle Family ResidenceNOT IN SUBDIVISION

About this home

11637 US HIGHWAY 98 N

Virtually Staged. Welcome to your own private slice of Central Florida! Nestled on 3.13 beautiful acres in North Lakeland, this fully renovated property offers the perfect blend of modern comfort, wide-open space, and endless possibilities. Whether you're dreaming of bringing your horses, cattle, and other farm animals, parking your RV at home, or simply enjoying more privacy without giving up the convenience of Lakeland, this property offers the lifestyle you've been looking for. PRICED BELOW THE RECENT APPRAISED VALUE! The current owners have spared no expense transforming this home from top to bottom. Major improvements include a NEW roof, NEW HVAC system, NEW underground electric service, new well pressure tank and plumbing, new windows, new interior and exterior paint, new interior doors, new baseboards, new flooring throughout, a beautifully remodeled kitchen, updated bathrooms, a NEW hot water heater, and a resurfaced pool. EVERY MAJOR PROJECT has already been completed, making this home truly move-in ready. One of the home's most versatile features is the private bonus room with its own exterior entrance overlooking the pool and backyard. Whether you're working remotely and need a quiet home office, creating a home gym, setting up a playroom, hobby room, or simply looking for flexible space to fit your lifestyle, this room is ready to adapt to your needs. A long driveway leads to a home tucked well back from the road, creating a sense of privacy while remaining just minutes from shopping, restaurants, medical facilities, and everyday conveniences. The property is served by a private well and septic system, allowing you to enjoy country living without monthly water and sewer bills. Outside, the possibilities continue. The spacious pole barn with its own storage room is ideal for a workshop, home-based business, hobbies, or equipment storage. Whether you own work trucks, trailers, boats, side-by-sides, or a motorhome, you'll appreciate having room for it all. A 50-amp RV hookup is already in place for added convenience. Looking for room to expand? An Accessory Dwelling Unit (ADU) is permitted on the property, offering additional possibilities for multigenerational living, guest accommodations, or future expansion. There's also plenty of room for additional outbuildings, workshops, or barns. For buyers seeking a rural lifestyle, this property is located in an area where horses, cattle, and other farm animals are permitted. The property is completely fenced, making it ready for livestock, pets, or simply enjoying your own private space. Properties that combine a beautifully renovated home, usable acreage, and this level of flexibility are becoming increasingly difficult to find. Whether your plans include gardening, raising animals, working from home, entertaining by the pool, storing your recreational vehicles, or simply having room to spread out, this property is ready to fit your lifestyle. If you're looking for more than just another house, you've found it. Schedule your private showing today and experience everything this exceptional North Lakeland property has to offer.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,372

Sqft

3.13 ac

Lot size

1992

Year built

One

Levels

$364

Per sqft

Private pool

Inside

FlooringTile
AppliancesNone
InteriorCeiling Fan(s) · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesWest
ExteriorFrench Doors · Outdoor Grill · RV Hookup · Storage

Community & fees

Taxes (2025)$3,498/yr

Utilities & systems

UtilitiesCable Available · Electricity Connected · Public
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$3,615 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,943
FHA mortgage insurance (est.)$221
Property tax — 2025 actual bill$291
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,497Loan30-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% · $17,497
Interest rate6.00%
Loan term

Estimated payment

$3,615/mo

Principal & interest$2,943
FHA mortgage insurance (est.)$221
Property taxes (actual bill)$291
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.

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.

List $500K
$307KedgeAI estimate $450,172 · range $319K$668K$695K

vs edgeAI estimate

+11%

$/sqft vs NOT IN SUBDIVISION

$364 vs $256

Days on market

17 vs 43 typical

Where $364/sqft sits among the 123 homes for sale in NOT IN SUBDIVISION

47
42
16 · this home
2
5
11
$127–226$226–325$325–424$424–523$523–622$622+

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 Lakeland

Map of 11637 US HIGHWAY 98 N

Drive times from this address

Downtown Tampa47 min
Walt Disney World50 min
Tampa Int’l Airport (TPA)59 min
Universal Orlando60 min
Downtown Orlando66 min
Orlando Int’l Airport (MCO)71 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Lakeland. See the full Lakeland guide →

LAKELAND 33809 — neighborhood snapshot

Population

30,498

Median age

42.6

Median income

$67,112

Median home value

$248,700

Avg household

2.58

Households w/ children

3,738

For the school run

Polk County School District

ElementaryEdgar L. Padgett Elementary★★★★
MiddleLake Gibson Middle School★★★★
HighLake Gibson Senior High School★★★★

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)

59 of 123

NOT IN SUBDIVISION have cut their price

Median sold price, Lakeland, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 54% above the LAKELAND 33809 median. See the full Lakeland market guide →

Paper trail

This home's history

Jul 20, 2026Listed at $499,900 · 17 days on market since
1992Built · NOT IN SUBDIVISION

Reality check

What actually sold near 11637 US HIGHWAY 98 N

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

118 E 9TH STREETSold · Dec ’25

$253,000

118 E 9TH STREET · same community

3 bd · 2 ba · 1,346 sqft · $188/sqft · 93 DOM

6880 WILSON AVENUESold · Apr ’26

$305,000

6880 WILSON AVENUE · same community

3 bd · 2 ba · 1,401 sqft · $218/sqft · 229 DOM

3169 N US HIGHWAY 129Sold · Jun ’26

$190,000

3169 N US HIGHWAY 129 · same community

2 bd · 2 ba · 1,440 sqft · $132/sqft · 59 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 11637 US HIGHWAY 98 N — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 11637 US HIGHWAY 98 N — before you fall in love.

See it in person

Schedule a tour

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Goes straight to David’s phone and CRM.

Straight answers

11637 US HIGHWAY 98 N FAQs

What would the monthly payment be for 11637 US HIGHWAY 98 N?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,615/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 11637 US HIGHWAY 98 N?+

The most recent tax bill on record (2025) was $3,498. 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 $499,900, this home is listed about 47% above the Lakeland median of $339,000. The market section on this page shows how the area is trending.

Which schools are assigned to 11637 US HIGHWAY 98 N?+

Edgar L. Padgett Elementary (elementary), Lake Gibson Middle School (middle), Lake Gibson Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of KELLER WILLIAMS REALTY · Michelle Graham. MLS #L4963483.

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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11637 US HIGHWAY 98 N, LAKELAND, FL — 3 Bed, 2 Bath — $499,900 | CENTURY 21 Edge