1410 ELGIN STREET, LAKELAND, FL, 33801
Active27 days on marketListed Jul 8, 2026MLS #OM726930
About this home
1410 ELGIN STREET
Historic 1925 Home set on a rare double lot in a desirable Shore Acres neighborhood. Unique 3 Bedroom, 2 bath, 2,241 sq ft home. Featuring a large covered front porch, original wood floors, genuine woodwork throughout, living room with working fireplace, office/sun-room with separate entrance. Both bathrooms have floor to ceiling tile. Formal dining room. The spacious pantry connects to a state-of-the-art kitchen with stainless steel appliances, new quartz countertops and sink creates ease & ambiance. Indoor laundry room. Flexible floor plan includes a private guest suite with its own bathroom and entrance. Large fenced private yard with mature shade trees, including kennel space for pets. This home offers an exceptional combination of historic charm, location, and lifestyle. Ideal for entertaining family or visitors. Freestanding 2 car garage can be converted to rental income or multi-generational living. Recent improvements include a new roof, energy-efficient water heater, updated electrical and plumbing, with central air & heating. About 5-10 minute walk or bike ride to bustling downtown farmers market, shopping, lakes, restaurants, theaters, cultural attractions and medical centers. A new home warranty is included with the sale, offering valuable protection with added peace of mind for your first year of ownership. Lakeland is centrally located between Tampa and Orlando.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,756
Sqft
0.31 ac
Lot size
2
Garage
1925
Year built
One
Levels
$225
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.
$3,001 /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
$3,001/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
+19.5%
$/sqft vs SHORE ACRES
$225 vs $1,006
Days on market
27 vs 43 typical
Where $225/sqft sits among the 8 homes for sale in SHORE ACRES
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 Bonny
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Lake Bonny — neighborhood snapshot
Population
1,049
Median age
40
Median income
$53,563
Median home value
$133,627
Avg household
3
Households w/ children
124
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)
3 of 8
SHORE ACRES have cut their price
Median sold price, Lakeland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 53% above the LAKELAND 33801 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 1410 ELGIN STREET
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$409,000
325 BURLEIGH AVENUE · same community
3 bd · 3 ba · 1,762 sqft · $232/sqft · 17 DOM
Sold · Apr ’26$540,000
808 60TH STREET NW · same community
3 bd · 2 ba · 1,772 sqft · $305/sqft · 12 DOM
Sold · Jul ’26$450,000
803 60TH STREET NW · same community
3 bd · 2 ba · 1,716 sqft · $262/sqft · 45 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 1410 ELGIN STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1410 ELGIN 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
1410 ELGIN STREET FAQs
What would the monthly payment be for 1410 ELGIN STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,001/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 1410 ELGIN STREET?+
The most recent tax bill on record (2025) was $4,095. 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 1410 ELGIN 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 $395,000, this home is listed about 16% above the Lakeland median of $341,850. The market section on this page shows how the area is trending.
Which schools are assigned to 1410 ELGIN STREET?+
Philip O'Brien Elementary School (elementary), Lakeland Senior High School (high), Crystal Lake Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CB/ELLISON RLTY WEST · Jay Guberman. MLS #OM726930.
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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