1102 W 13TH STREET, LAKELAND, FL, 33805
Active389 days on marketListed Jul 13, 2025MLS #O6326715
About this home
1102 W 13TH STREET
**PRICE IMPROVEMENT* - Unlock Your Next Investment in Lakeland -Seize this rare opportunity to own a high-potential property on an expansive lot with NO HOA. Currently configured as two 1-bedroom units, this home offers incredible versatility for rental income or a unique residential conversion.Prime Central Location: Minutes from Downtown Lakeland, I-4, and US 98. Dual-Unit Layout: Two kitchens and two bathrooms ready for a modern refresh. Outdoor Potential: Large front green space with room to grow. Bring your renovation vision and **submit your offer today** to secure this versatile gem. **Schedule your showing now!**
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
680
Sqft
0.21 ac
Lot size
1940
Year built
One
Levels
$175
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.
$1,029 /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
$1,029/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.
$/sqft vs Lakeland actives
$175 vs $195
Days on market
389 vs 43 typical
Where $175/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.
The investor lens
Two ways this home pays
This home sits inside Providence, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental · projected
$31,325/yr gross
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$1,800/mo median
Live Lakeland rental listing data — this home’s rate depends on size, condition and furnishing.
The Florida short-term market
▼ Softening46%
Occupancy
▼ 26% yr/yr
$171
Avg nightly rate
▲ 1% yr/yr
$18K/yr
Revenue per listing
$80
RevPAR
37 days
Booking lead time
6 nights
Avg stay
4
Typical min nights
584
Active rentals
▲ 4% supply
Seasonality — monthly occupancy
Peaks at 60% in Mar · bottoms at 35% in Jun
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Florida — the projection above is specific to this home’s size.
Where it sits
Inside Webster Park North
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Providence is a short-term-rental community. See the full guide →
Webster Park North — neighborhood snapshot
Population
1,854
Median age
40
Median income
$41,178
Median home value
$134,933
Avg household
2
Households w/ children
198
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)
194 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 50% below the LAKELAND 33805 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 1102 W 13TH 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$275,000
1011 W 13TH STREET · same community
3 bd · 2 ba · 1,661 sqft · $166/sqft · 203 DOM
Sold · Feb ’26$100,000
721 W 5TH STREET
2 bd · 1 ba · 640 sqft · $156/sqft · 0 DOM
Sold · Feb ’26$100,000
721 W 5TH STREET
2 bd · 1 ba · 640 sqft · $156/sqft · 0 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 1102 W 13TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1102 W 13TH 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
1102 W 13TH STREET FAQs
What would the monthly payment be for 1102 W 13TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,029/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 1102 W 13TH STREET?+
The most recent tax bill on record (2024) was $1,385. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 1102 W 13TH STREET be rented short-term?+
Yes — this home sits inside Providence, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
How does the price compare to other homes in Lakeland?+
At $119,000, this home is listed about 65% below the Lakeland median of $339,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1102 W 13TH STREET?+
Sleepy Hill Middle School (middle), Socrum Elementary School (elementary), George W. Jenkins Senior High (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the LAKELAND 33805 market on paper
$119,000 is 50% below the LAKELAND 33805 median of $240,000, and at $175/sqft it sits under the Lakeland average of $206.
02Zoned for nightly rentals
Providence is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Time on market is leverage
389 days on market against a Lakeland median of 43 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $150,000, now $119,000 — a $31K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of ABSOLUTE REALTY GROUP, LLC · Kam Anderson. MLS #O6326715.
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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