6870 SHIMMERING DRIVE, LAKELAND, FL, 33813
Active144 days on marketListed Mar 12, 2026MLS #TB8485117
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About this home
6870 SHIMMERING DRIVE
WATERFRONT PARADISE ON LAKE CARTER | PRIVATE DOCK | LAWN CARE INCLUDED! Experience the ultimate Florida lakeside lifestyle in this meticulously maintained, 2017-built custom residence by Integrity Builders. Offering direct access to your own private, fenced dock on Lake Carter, this property is an absolute showstopper designed for those who love serene water views and spectacular sunsets. From the elegant paver entrance to the manicured landscaping, the home perfectly balances sophisticated design with everyday comfort. The open-concept living and dining areas are anchored by stunning real wood flooring and flooded with natural light. At the heart of the home is a gourmet chef’s kitchen, newly upgraded with brand-new LG stainless steel appliances, premium finishes, soft-close cabinetry, and a dedicated built-in computer desk. The thoughtful 3-bedroom, 2-bathroom split floor plan offers maximum privacy, highlighted by newly installed, plush carpeting in all bedrooms. The primary suite serves as a true sanctuary, boasting an expansive walk-in closet and a spa-inspired ensuite with a deep jetted tub for ultimate relaxation. Premium functional upgrades abound, including a whole-house water softener, a dedicated laundry room with a utility sink, and a full exterior gutter system. Outdoor living truly shines on your screened lanai and inside the fully fenced backyard that leads directly to the water—an idyllic setting for sunset fishing, paddleboarding, or relaxing on your private dock. LOW-MAINTENANCE LUXURY: The low $175 monthly HOA fee provides a stress-free lifestyle by covering all grass cutting and fertilization! Plus, enjoy access to the community pool, which uniquely includes one free private rental per year for your special events. Schedule your private tour today to experience Florida waterfront living at its absolute finest!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,165
Sqft
0.21 ac
Lot size
2
Garage
2017
Year built
One
Levels
$212
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 and the real association fee — not generic estimates.
$3,524 /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
$3,524/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
+10.5%
$/sqft vs Lakeland actives
$212 vs $190
Days on market
144 vs 43 typical
Where $212/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 Lakeland
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
LAKELAND 33813 — neighborhood snapshot
Population
38,112
Median age
39.9
Median income
$96,723
Median home value
$330,100
Avg household
2.72
Households w/ children
5,079
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)
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 15% above the LAKELAND 33813 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 6870 SHIMMERING DRIVE
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$390,000
6925 SHIMMERING DRIVE · same community
4 bd · 2 ba · 2,107 sqft · $185/sqft · 25 DOM
Sold · Jan ’26$405,000
6911 SHIMMERING DRIVE · same community
3 bd · 2 ba · 1,713 sqft · $236/sqft · 99 DOM
Sold · Sep ’25$350,000
105 COUNTRY CLUB LANE
4 bd · 2 ba · 2,140 sqft · $164/sqft · 7 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 6870 SHIMMERING DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6870 SHIMMERING DRIVE — 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
6870 SHIMMERING DRIVE FAQs
What would the monthly payment be for 6870 SHIMMERING DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,524/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 6870 SHIMMERING DRIVE?+
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 6870 SHIMMERING DRIVE?+
The most recent tax bill on record (2025) was $3,328. 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 6870 SHIMMERING DRIVE?+
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 $460,000, this home is listed about 34% above the Lakeland median of $343,400. The market section on this page shows how the area is trending.
Which schools are assigned to 6870 SHIMMERING DRIVE?+
Medulla Elementary School (elementary), Southwest Middle School (middle), George W. Jenkins Senior High (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$460,000 runs 15% above the LAKELAND 33813 median — but at 2,165 sqft it's also 25% larger than the typical Lakeland listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
144 days on market against a Lakeland median of 43 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $465,900, now $460,000 — a $6K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS SOUTH SHORE · Cheryl White. MLS #TB8485117.
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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