3123 PRAIRIE DUNES CIRCLE W, LAKELAND, FL, 33810
Active98 days on marketListed May 4, 2026MLS #TB8503517
About this home
3123 PRAIRIE DUNES CIRCLE W
Welcome to easy Florida living in the highly sought-after Highland Fairways 55+ Golf Course Community! This beautifully maintained 2-bedroom, 2-bath home with a single-car garage offers the perfect blend of comfort, convenience, and low-maintenance living. Step inside to discover luxury vinyl plank flooring throughout, creating a seamless and modern feel. With 1,162 sq. ft. of living space, this home has been meticulously cared for and thoughtfully updated. Major improvements include a new roof (2023), new A/C system (2023), and water heater (2023)—giving you peace of mind for years to come. The interior was painted in 2026. Enjoy your morning coffee or unwind in the evening in the spacious enclosed sun porch, or take advantage of the beautifully added concrete walkways and back patio, perfect for outdoor relaxation. The home also features a Rain Bird automated sprinkler system, generator adapter in the garage, and ample storage space. Living in Highland Fairways means embracing an active, resort-style lifestyle. Residents enjoy a wide array of amenities including a full-size swimming pool and spa, tennis courts, pickleball courts, and a newly renovated fitness center—all designed with wellness and leisure in mind. Even better, low HOA dues cover lawn care, high-speed internet, and cable TV, making for a truly low-maintenance homeownership experience. Conveniently located just minutes from shopping, dining, and with easy access to I-4, this home offers both tranquility and accessibility. Don’t miss your opportunity to own a move-in ready home in one of the area’s most desirable active adult communities—schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,162
Sqft
0.14 ac
Lot size
1
Garage
1990
Year built
One
Levels
$198
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.
$2,038 /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
$2,038/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
−2.3%
$/sqft vs Lakeland actives
$198 vs $194
Days on market
98 vs 44 typical
Where $198/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 →
The numbers that matter
The Lakeland market
$316K → $316K
Lakeland median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
202 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 31% below the LAKELAND 33810 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 3123 PRAIRIE DUNES CIRCLE W
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$188,000
3130 PRAIRIE DUNES CIRCLE W · same community
2 bd · 2 ba · 1,210 sqft · $155/sqft · 27 DOM
Sold · Oct ’25$238,000
1858 MASTERS LANE · same community
2 bd · 2 ba · 1,521 sqft · $156/sqft · 0 DOM
Sold · Jan ’26$225,000
1933 PRAIRIE DUNES CIRCLE N · same community
2 bd · 2 ba · 1,561 sqft · $144/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 3123 PRAIRIE DUNES CIRCLE W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3123 PRAIRIE DUNES CIRCLE W — 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
3123 PRAIRIE DUNES CIRCLE W FAQs
What would the monthly payment be for 3123 PRAIRIE DUNES CIRCLE W?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,038/mo — principal and interest, the actual property-tax bill, the $240/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 3123 PRAIRIE DUNES CIRCLE W?+
The association fee works out to $240 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3123 PRAIRIE DUNES CIRCLE W?+
The most recent tax bill on record (2025) was $2,188. 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 3123 PRAIRIE DUNES CIRCLE W?+
The listing reports pets: Yes. 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 $230,000, this home is listed about 32% below the Lakeland median of $339,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the LAKELAND 33810 market on paper
$230,000 is 31% below the LAKELAND 33810 median of $335,000, and at $198/sqft it sits under the Lakeland average of $207.
02Time on market is leverage
98 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 $245,000, now $230,000 — a $15K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX REALTY UNLIMITED · Jill Aubin. MLS #TB8503517.
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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