638 W 7TH STREET, LAKELAND, FL, 33805
Active42 days on marketListed Jun 26, 2026MLS #P4939163
About this home
638 W 7TH STREET
NO HOA! BRAND NEW 2026 CONSTRUCTION! MOVE-IN READY! This stunning 3-bedroom, 2-bathroom single-family home at 638 W 7th Street, Lakeland offers 1,376 square feet of thoughtfully designed living space and 1,876 total square feet under roof, featuring a modern open floorplan, quality craftsmanship, and contemporary finishes throughout. Situated on a centrally located lot within Lakeland city limits in Flood Zone X, this home provides the perfect combination of convenience, functionality, and low-maintenance living. Built with durable concrete and wood-frame construction and connected to public water and public sewer, this home is designed for today's lifestyle. Enjoy luxury vinyl flooring, soaring ceilings, solid wood cabinetry, stone countertops, walk-in closets, ceiling fans, and an open kitchen overlooking the main living area. The spacious covered front porch and oversized 2-car attached carport provide additional outdoor living and ample parking. No HOA means the freedom to enjoy your property without restrictive association rules or fees. Conveniently located just minutes from downtown Lakeland, Bonnet Springs Park, Lake Mirror, shopping, dining, schools, medical facilities, and I-4, offering easy commutes to both Tampa and Orlando. This is an excellent opportunity to secure a brand-new home at an affordable price. Seller financing and private financing available. Do NOT wait, it will not last long!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,376
Sqft
0.1 ac
Lot size
2026
Year built
One
Levels
$209
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.
$2,000 /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
$2,000/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
+6%
$/sqft vs Lakeland actives
$209 vs $194
Days on market
42 vs 42 typical
Where $209/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 Paul A Diggs
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Paul A Diggs — neighborhood snapshot
Population
2,078
Median age
35
Median income
$33,040
Median home value
$169,749
Avg household
3
Households w/ children
252
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)
200 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 20% above the LAKELAND 33805 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 638 W 7TH STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$227,000
505 W 5TH STREET · same community
2 bd · 1 ba · 816 sqft · $278/sqft · 31 DOM
Sold · Feb ’26$100,000
721 W 5TH STREET · same community
2 bd · 1 ba · 640 sqft · $156/sqft · 0 DOM
Sold · Feb ’26$100,000
721 W 5TH STREET · same community
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 638 W 7TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 638 W 7TH 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
638 W 7TH STREET FAQs
What would the monthly payment be for 638 W 7TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,000/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 638 W 7TH STREET?+
The most recent tax bill on record (2025) was $220. 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 $287,900, this home is listed about 15% below the Lakeland median of $339,000. The market section on this page shows how the area is trending.
Which schools are assigned to 638 W 7TH STREET?+
Carlton Palmore Elementary School (elementary), Lakeland Highlands Middle School (middle), Tenoroc High School (high) — 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
$287,900 runs 20% above the LAKELAND 33805 median.
02City & Garden & Trees/Woods views
The city and garden and trees/woods view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $299,900, now $287,900 — a $12K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HUT REALTY, LLC · Daniel Hut. MLS #P4939163.
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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