ISLAND SHORES LANE, LAKELAND, FL, 33809
Active319 days on marketListed Sep 24, 2025MLS #TB8430703
About this home
ISLAND SHORES LANE
Bring your own builder to build your custom dream home inside the desirable Lake Gibson Shores. This .48 Acre lot is suitable to build a single family custom home. Public water and public sewage is available to be connected.
Facts & features
The home at a glance
0.48 ac
Lot size
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.
$2,303 /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
$2,303/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.
Where it sits
Inside Gibsonia
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Gibsonia — neighborhood snapshot
Population
4,638
Median age
39
Median income
$68,792
Median home value
$269,302
Avg household
3
Households w/ children
651
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)
Median sold price, Lakeland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 13% below the LAKELAND 33809 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near ISLAND SHORES LANE
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$303,000
5737 SANDS POINT DRIVE · same community
3 bd · 2 ba · 1,592 sqft · $190/sqft · 12 DOM
Sold · Sep ’25$189,900
508 HENNESSEE STREET
2 bd · 1 ba · 684 sqft · $278/sqft · 8 DOM
Sold · Oct ’25$90,000
141 FERNERY ROAD UNIT B5
2 bd · 1 ba · 840 sqft · $107/sqft · 5 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 ISLAND SHORES LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for ISLAND SHORES LANE — 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
ISLAND SHORES LANE FAQs
What would the monthly payment be for ISLAND SHORES LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,303/mo — principal and interest, the actual property-tax bill, the $175/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 ISLAND SHORES LANE?+
The association fee works out to $175 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on ISLAND SHORES LANE?+
The most recent tax bill on record (2024) was $2,347. 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 ISLAND SHORES LANE?+
The listing reports pets: Cats OK, Dogs OK. 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 $279,995, this home is listed about 17% below the Lakeland median of $339,000. The market section on this page shows how the area is trending.
Which schools are assigned to ISLAND SHORES LANE?+
Edgar L. Padgett Elementary (elementary), Lake Gibson Middle School (middle), Lake Gibson 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
01Under the LAKELAND 33809 market on paper
$279,995 is 13% below the LAKELAND 33809 median of $322,900.
02Time on market is leverage
319 days on market against a Lakeland median of 44 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $299,995, now $279,995 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of PEOPLE'S CHOICE REALTY SVC LLC · Arun Perumpral. MLS #TB8430703.
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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