David Ramirez
$330,000$347,0003 bd2 ba1,709 sqft$193 /sqft$2,964 /mo all-in ↓

416 BARBADOS CIRCLE, LAKELAND, FL, 33803

Active106 days on marketListed Apr 10, 2026MLS #S5147584

Reduced $17KSingle Family ResidenceVILLAS BY LAKE

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Sat, Jul 25

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About this home

416 BARBADOS CIRCLE

If you've been searching for a move-in-ready home in a lakeside community near Lakeland, Florida, 416 Barbados Circle may be exactly what you've been waiting for, and now it's priced even better. Tucked inside Villas by the Lake, one of Lakeland's most established and amenity-rich HOA communities, this well-maintained 3-bedroom, 2-bath home offers over 1,700 square feet of comfortable living space on a corner lot with mature landscaping and genuine curb appeal. Inside, the open-concept layout makes the main living areas feel spacious and inviting, ideal whether you're working from home, hosting family, or simply relaxing in true Florida style. The split-bedroom floor plan gives the primary suite its own sense of privacy, complete with a walk-in closet and enough room to unwind after a long day. Two additional bedrooms have flexibility for guests, a home office, or a growing household. What makes this address special is the lifestyle that comes with it. Residents of Villas by the Lake enjoy access to a community pool, fitness center, clubhouse, tennis and racquetball courts, and recreational facilities. For water lovers, there's lake access and a private boat ramp, a feature that's increasingly rare and highly sought after in Polk County. The HOA also covers lawn maintenance, cable TV, and internet, making this an ideal low maintenance primary residence or Florida winter retreat. Location is where this home truly shines. Positioned right between Tampa and Orlando, this address puts both major metro areas within comfortable reach, whether for work, weekend plans, or welcoming visitors. Even more convenient, the home sits just 7 miles from Lakeland Linder International Airport, now a growing hub for Avelo Airlines, offering affordable domestic flights to destinations across the country. For frequent travelers, remote workers, or anyone who simply values an easy commute, this kind of access is hard to find at this price point. Beyond travel, this home also sits near some of Lakeland's best everyday conveniences, with grocery stores, dining, retail, and major commuter routes all within easy reach. Buyers asking "what are the best lakeside communities in Lakeland?" or "where can I find a home near Lakeland's airport with easy access to Tampa and Orlando?" will find their answer here. 416 Barbados Circle is ready for you, and at an improved price, the timing hasn't been better.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,709

Sqft

0.14 ac

Lot size

2

Garage

1992

Year built

One

Levels

$193

Per sqft

Inside

FlooringMarble
AppliancesDishwasher · Disposal · Dryer · Electric Water Heater · Exhaust Fan · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Open Floorplan · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryElectric Dryer Hookup · In Garage · Washer Hookup
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBrick · Wood Frame
FoundationSlab
FacesEast
ParkingDriveway · Garage Door Opener · Guest
ExteriorIrrigation System · Sliding Doors

Community & fees

HOA fee$345/mo
Taxes (2025)$4,449/yr
PetsNo
CommunityCommunity Boat Ramp · Fishing · Lake · Waterfront · Clubhouse · Community Mailbox · Deed Restrictions · Fitness Center · Racquetball · Tennis Court(s)

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Public · Sewer Connected · Water Connected
WaterPublic

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.

$2,964 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,943
FHA mortgage insurance (est.)$146
Property tax — 2025 actual bill$371
HOA fee — from the listing$345
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $11,550Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $11,550
Interest rate6.00%
Loan term

Estimated payment

$2,964/mo

Principal & interest$1,943
FHA mortgage insurance (est.)$146
Property taxes (actual bill)$371
HOA / condo fee$345
Est. insurance$160

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.

List $330K
$308KedgeAI estimate $335,094 · range $321K$369K$384K

vs edgeAI estimate

−1.5%

$/sqft vs Lakeland actives

$193 vs $196

Days on market

106 vs 33 typical

Where $193/sqft sits among the 400 Lakeland actives

85
121 · this home
111
39
17
27
$124–160$160–197$197–233$233–270$270–307$307+

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 Imperial

Map of 416 BARBADOS CIRCLE inside its neighborhood boundary

Drive times from this address

Downtown Tampa39 min
Walt Disney World50 min
Tampa Int’l Airport (TPA)50 min
Universal Orlando61 min
Downtown Orlando67 min
Orlando Int’l Airport (MCO)71 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Lakeland. See the full Lakeland guide →

Imperial — neighborhood snapshot

Population

1,540

Median age

36

Median income

$63,007

Median home value

$183,783

Avg household

2

Households w/ children

100%

For the school run

Polk County School District

MiddleSouthwest Middle School★★★★
ElementarySouthwest Elementary School★★★★★
HighKathleen Senior High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Lakeland market

Seller’s marketLeans seller4.9 months of inventoryBuyer’s market

$318K$320K

Lakeland median sold, yr/yr

97.7%

Sale-to-list ratio (12 mo)

208 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 18% above the LAKELAND 33803 median. See the full Lakeland market guide →

Paper trail

This home's history

CurrentPrice reduced to $330,000 $17K
Apr 10, 2026Listed at $347,000 · 106 days on market since
1992Built · VILLAS BY LAKE

Reality check

What actually sold near 416 BARBADOS CIRCLE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

668 JAMAICA CIRCLESold · Jan ’26

$220,000

668 JAMAICA CIRCLE · same community

2 bd · 2 ba · 1,647 sqft · $134/sqft · 179 DOM

474 BARBADOS CIRCLESold · Apr ’26

$353,000

474 BARBADOS CIRCLE · same community

2 bd · 2 ba · 1,551 sqft · $228/sqft · 3 DOM

492 CARIBBEAN DRIVESold · Jan ’26

$260,000

492 CARIBBEAN DRIVE · same community

2 bd · 2 ba · 1,542 sqft · $169/sqft · 222 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 416 BARBADOS CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 416 BARBADOS 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.

Goes straight to David’s phone and CRM.

Straight answers

416 BARBADOS CIRCLE FAQs

What would the monthly payment be for 416 BARBADOS CIRCLE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,964/mo — principal and interest, the actual property-tax bill, the $345/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 416 BARBADOS CIRCLE?+

The association fee works out to $345 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 416 BARBADOS CIRCLE?+

The most recent tax bill on record (2025) was $4,449. 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 416 BARBADOS CIRCLE?+

The listing reports pets: No. 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 $330,000, this home is listed about 3% below the Lakeland median of $340,000. The market section on this page shows how the area is trending.

Which schools are assigned to 416 BARBADOS CIRCLE?+

Southwest Middle School (middle), Southwest Elementary School (elementary), Kathleen Senior 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

$330,000 runs 18% above the LAKELAND 33803 median.

02Time on market is leverage

106 days on market against a Lakeland median of 33 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $347,000, now $330,000 — a $17K cut. The full history is in the market section below.

Listing courtesy of RE/MAX HERITAGE PROFESSIONALS · Anna Impiduglia. MLS #S5147584.

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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