828 OSCEOLA STREET, LAKELAND, FL, 33801
Active21 days on marketListed Jul 21, 2026MLS #L4963637
About this home
828 OSCEOLA STREET
Lovely 1938 two bedroom/1 full bath 1,258 square foot Bungalow with an office/den/flex space with French doors that could easily be turned into an additional bedroom. It is situated on a large lot in the prime South Lake Morton Historic District behind the Lakeland Public Library and the Ashley Gibson Barnett Museum of Art at Florida Southern College - close to Lake Morton, restaurants, shops, and vibrant downtown Lakeland! Step into the large living/dining room space with beautiful wood floors and high ceilings with the Travertine-floored office to the right. French doors off of this space lead to the semi-wrap around porch, where you can enjoy the beautiful Florida weather. The kitchen has been remodeled and updated with newer appliances - including a gas stove, beautiful stained glass, and a spacious eating area with a breakfast bar and more French doors to the porch. The bathroom is beautifully remodeled and the plushily carpeted bedrooms are large - with the primary having additional French doors to the porch. The partially fenced peaceful back yard has a Loquat tree, Crape Myrtle, and Live Oaks for shade. The large storage room with washer and dryer has plenty of space for your toys. This home has a transferable termite bond for your peace of mind! Make an appointment to see this charming home, surrounded by history and art in a welcoming area.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
1,258
Sqft
0.16 ac
Lot size
1938
Year built
One
Levels
$242
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.
$2,282 /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
$2,282/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
+34.6%
$/sqft vs Lakeland actives
$242 vs $193
Days on market
21 vs 45 typical
Where $242/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 East Lake Morton
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
East Lake Morton — neighborhood snapshot
Population
1,213
Median age
34
Median income
$41,961
Median home value
$215,251
Avg household
2
Households w/ children
113
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)
203 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 21% above the LAKELAND 33801 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 828 OSCEOLA STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$425,000
825 VISTABULA STREET · same community
4 bd · 2 ba · 1,451 sqft · $293/sqft · 44 DOM
Sold · Jul ’26$298,000
1712 HUNTINGTON STREET
3 bd · 1 ba · 1,255 sqft · $237/sqft · 4 DOM
Sold · Nov ’25$287,000
726 SUSAN DRIVE
3 bd · 1.5 ba · 1,254 sqft · $229/sqft · 96 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 828 OSCEOLA STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 828 OSCEOLA STREET — 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
828 OSCEOLA STREET FAQs
What would the monthly payment be for 828 OSCEOLA STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,282/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 828 OSCEOLA STREET?+
The most recent tax bill on record (2025) was $2,312. 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 828 OSCEOLA STREET?+
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 $304,900, this home is listed about 10% below the Lakeland median of $337,300. The market section on this page shows how the area is trending.
Which schools are assigned to 828 OSCEOLA STREET?+
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.
The brief
Three things that matter here
01Positioned at the premium end
$304,900 runs 21% above the LAKELAND 33801 median.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $314,900, now $304,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Natalie Oldenkamp. MLS #L4963637.
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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