
1040 S OHIO AVE, LAKELAND, FL, 33803
Active36 days on marketListed Jun 27, 2026MLS #P4938786
About this home
1040 S OHIO AVE
Discover a truly one-of-a-kind retreat in the historic Dixieland District of Lakeland, Florida, where thoughtful craftsmanship, modern updates, and incredible flexibility come together in perfect harmony. Lovingly transformed by the owner's daughter—a real estate professional and entrepreneur with an eye for design and functionality—this home has been reimagined to offer comfortable everyday living, guest accommodations, and exciting income-producing possibilities. Step inside and be delighted by the home's most enchanting feature: a custom-built secret library door that discreetly separates the main residence from a private guest suite while maintaining access to a shared laundry area. Blending character and charm with practical design, this hidden passage creates a unique living experience rarely found in today's market. The former half bath has been beautifully expanded into a full bathroom, allowing both living spaces to enjoy privacy and convenience. Whether used as an Airbnb, guest quarters, multigenerational living space, or roommate setup, the suite's separate entrance offers exceptional versatility. The front door welcomes you into a fully screened front porch with solid flooring, creating a comfortable extension of the living space. At the rear of the home, a spacious covered deck overlooks the private backyard, providing the perfect setting for entertaining, relaxing, and enjoying Florida's outdoor lifestyle year-round. Adding even more flexibility, the property includes a fully renovated and permitted detached office/studio building. Ideal for working from home, creative pursuits, or additional guest accommodations, this bonus space offers endless possibilities. Plumbing was installed and remains available for future expansion, though it is currently capped. Adjacent to the structure is a covered patio that could serve as a carport, private outdoor gathering space, or shaded retreat. Tucked away nearby, you'll also find a hidden outdoor shower and a discreetly placed storage shed for tools and lawn equipment. Comfort and peace of mind abound thanks to a new HVAC system with central air conditioning installed in 2024, along with a heavy-duty washer and dryer added in 2025. Outside, extensive landscaping has revitalized the grounds, reopening fenced areas, enhancing privacy, and creating beautiful, usable outdoor spaces. Ample parking, mature landscaping, and thoughtfully designed outdoor amenities make this property as functional as it is inviting. With an effective year built of 2015 and a long list of meaningful upgrades, this exceptional property offers the perfect blend of historic charm, modern convenience, and flexible living options. Whether you're seeking a primary residence, a work-from-home haven, multigenerational living, or a property with income potential, this rare Dixieland gem is ready to fit your vision.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,100
Sqft
0.16 ac
Lot size
1925
Year built
One
Levels
$282
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.
$2,443 /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
$2,443/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
−1%
$/sqft vs Lakeland actives
$282 vs $192
Days on market
36 vs 33 typical
Where $282/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 Dixieland
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Dixieland — neighborhood snapshot
Population
2,413
Median age
39
Median income
$60,581
Median home value
$237,075
Avg household
2
Households w/ children
239
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
$318K → $320K
Lakeland median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
205 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 6% above the LAKELAND 33803 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 1040 S OHIO AVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$217,500
523 W HANCOCK STREET · same community
3 bd · 1 ba · 1,084 sqft · $201/sqft · 50 DOM
Sold · Oct ’25$286,500
302 W PARK STREET · same community
3 bd · 2 ba · 1,162 sqft · $247/sqft · 175 DOM
Sold · Jul ’26$175,000
723 W PATTERSON STREET · same community
2 bd · 1 ba · 904 sqft · $194/sqft · 440 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 1040 S OHIO AVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1040 S OHIO AVE — 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
1040 S OHIO AVE FAQs
What would the monthly payment be for 1040 S OHIO AVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,443/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 1040 S OHIO AVE?+
The most recent tax bill on record (2025) was $3,855. 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 $310,000, this home is listed about 9% below the Lakeland median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1040 S OHIO AVE?+
Dixieland Elementary School (elementary), Southwest Middle School (middle), Lakeland Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Marissa Taranto. MLS #P4938786.
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.
Never miss a listing
New Lakeland homes, in your inbox
Like 1040 S OHIO AVE but not quite? A daily digest of every new listing in Lakeland — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →


