4005 CHELSEA LANE, LAKELAND, FL, 33809
Active143 days on marketListed Mar 18, 2026MLS #TB8487959
About this home
4005 CHELSEA LANE
Welcome to this charming home nestled in a quiet, established neighborhood in Lakeland! This well-maintained property offers a perfect blend of comfort and functionality, featuring a spacious layout with abundant natural light throughout. Roof 2022 and water heater 2025. The home boasts a generous living area, a well-appointed kitchen with ample cabinet space, and comfortable bedrooms ideal for both relaxation and everyday living. Step outside to enjoy a sizable backyard—perfect for entertaining, gardening, or simply unwinding in your private outdoor space. Conveniently located near shopping, dining, and major roadways, This home provides easy access to everything Lakeland has nearby while maintaining a peaceful residential feel. Closer to Interstate 4 and U.S. Route 98, offering easy access to Tampa, Orlando, and surrounding areas.. Whether you're a first-time homebuyer, investor, or looking to downsize, this property presents a fantastic opportunity. SELLER CONCESSIONS!!! PRICE REDUCED!!! Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,366
Sqft
0.41 ac
Lot size
3
Garage
2002
Year built
One
Levels
$217
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.
$3,934 /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
$3,934/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
+43.9%
$/sqft vs Lakeland actives
$217 vs $194
Days on market
143 vs 43 typical
Where $217/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 33809 — neighborhood snapshot
Population
30,498
Median age
42.6
Median income
$67,112
Median home value
$248,700
Avg household
2.58
Households w/ children
3,738
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 59% above the LAKELAND 33809 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 4005 CHELSEA LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$379,999
4144 STAFFORDSHIRE DRIVE · same community
4 bd · 2.5 ba · 2,430 sqft · $156/sqft · 3 DOM
Sold · May ’26$299,900
750 ROCKINGHAM ROAD · same community
3 bd · 2 ba · 1,634 sqft · $184/sqft · 43 DOM
Sold · Oct ’25$290,000
849 ROCKINGHAM ROAD · same community
2 bd · 2 ba · 1,582 sqft · $183/sqft · 57 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 4005 CHELSEA LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4005 CHELSEA 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
4005 CHELSEA LANE FAQs
What would the monthly payment be for 4005 CHELSEA LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,934/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 4005 CHELSEA LANE?+
The most recent tax bill on record (2025) was $6,207. 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 $514,500, this home is listed about 52% above the Lakeland median of $339,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4005 CHELSEA 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
01Positioned at the premium end
$514,500 runs 59% above the LAKELAND 33809 median — but at 2,366 sqft it's also 38% larger than the typical Lakeland listing.
02Time on market is leverage
143 days on market against a Lakeland median of 43 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $550,000, now $514,500 — a $36K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SWEET HOME VENTURES PLLC · Yoel Bencomo. MLS #TB8487959.
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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