365 JAMES CIRCLE, LAKE ALFRED, FL, 33850
Active31 days on marketListed Jun 23, 2026MLS #O6419214
About this home
365 JAMES CIRCLE
Welcome to this beautifully maintained Meritage-built home in the highly desirable Lakes of Lake Alfred community. Featuring a brand-new roof and an impressive list of upgrades, HOA under $34 month and no CDD! This spacious residence has the perfect blend of comfort, efficiency, and privacy. Step inside to discover soaring 10-foot ceilings, 2268 sq ft of living space, elegant ceramic tile flooring, and energy-efficient tinted windows that fill the home with natural light while helping reduce energy costs. The open-concept floor plan creates an inviting space for both everyday living and entertaining. The well-appointed kitchen features 42-inch cherry wood cabinetry, energy-efficient appliances, abundant storage, and seamless flow into the expansive living and dining areas. The spacious primary suite serves as a private retreat with a large en-suite bath highlighted by a relaxing Jacuzzi tub. A versatile office/flex room that provides the flexibility to accommodate a home office, guest room, playroom, or additional bedroom as needed. Enjoy Florida living outdoors with both front and rear patios, mature landscaping, fruit producing banana and Japanese plum trees. The fully irrigated yard is maintained by an in-ground sprinkler system, while the absence of rear neighbors provides exceptional privacy and peaceful views. Additional features include a security system and an oversized two-car garage. Ideally located within a short walk to the community playground and with a bike trail directly across the street, this home can be the perfect combination of convenience, recreation, and neighborhood charm. Don't miss this opportunity to own a move-in ready home with premium upgrades, privacy, and a fantastic location in one of Lake Alfred's most sought-after communities.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,268
Sqft
0.16 ac
Lot size
2
Garage
2006
Year built
One
Levels
$145
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.
$2,701 /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
$2,701/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
−14.4%
$/sqft vs Lake Alfred actives
$145 vs $192
Days on market
31 vs 61 typical
Where $145/sqft sits among the 105 Lake Alfred 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 Lake Alfred
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lake Alfred. See the full Lake Alfred guide →
LAKE ALFRED 33850 — neighborhood snapshot
Population
9,825
Median age
43.5
Median income
$53,877
Median home value
$215,700
Avg household
2.49
Households w/ children
1,055
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lake Alfred market
$320K → $349K
Lake Alfred median sold, yr/yr
98.2%
Sale-to-list ratio (12 mo)
45 of 105
Lake Alfred actives have cut their price
Median sold price, Lake Alfred, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3% above the LAKE ALFRED 33850 median. See the full Lake Alfred market guide →
Paper trail
This home's history
Reality check
What actually sold near 365 JAMES CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$260,000
109 JAMES CIRCLE · same community
3 bd · 2 ba · 1,538 sqft · $169/sqft · 112 DOM
Sold · Apr ’26$405,945
1489 MELROSE STREET
4 bd · 2.5 ba · 2,356 sqft · $172/sqft · 0 DOM
Sold · Jan ’26$377,675
1372 MELROSE STREET
4 bd · 3 ba · 2,109 sqft · $179/sqft · 67 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 365 JAMES CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 365 JAMES CIRCLE — 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
365 JAMES CIRCLE FAQs
What would the monthly payment be for 365 JAMES CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,701/mo — principal and interest, the actual property-tax bill, the $34/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 365 JAMES CIRCLE?+
The association fee works out to $34 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 365 JAMES CIRCLE?+
The most recent tax bill on record (2024) was $5,025. 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 365 JAMES CIRCLE?+
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 Lake Alfred?+
At $329,900, this home is listed about 2% below the Lake Alfred median of $334,995. The market section on this page shows how the area is trending.
Which schools are assigned to 365 JAMES CIRCLE?+
Walter Caldwell Elementary School (elementary), Auburndale Senior High School (high), Lake Alfred Polytech Academy (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6419214.
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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