832 S CENTRAL AVENUE, LAKELAND, FL, 33815
Active59 days on marketListed Jun 8, 2026MLS #TB8516578
About this home
832 S CENTRAL AVENUE
One or more photo(s) has been virtually staged. NEW ROOF, NEW HVAC system, NEW energy-efficient WINDOWS, and a NEW TANKLESS WATER HEATER. SELLER OFFERING CREDIT FOR APPLIANCES. Rare opportunity to own a beautifully restored historic home situated on a DOUBLE LOT in the heart of Lakeland! Completely renovated inside and out in 2026, this charming residence seamlessly blends timeless character with modern updates, offering 3 bedrooms, 1 bathroom, a spacious bonus room, and a convenient interior laundry room. The stunning kitchen features granite countertops, brand-new cabinetry, and updated finishes designed for both style and functionality. The spacious primary bedroom includes a large walk-in closet, while the beautifully updated bathroom showcases a fully tiled shower and tile flooring. Enjoy Florida living from the welcoming front patio or relax on the covered back porch overlooking the oversized yard. The double lot provides exceptional outdoor space with endless possibilities for entertaining, gardening, future expansion, or potential development opportunities. Ideally located near Downtown Lakeland, you'll enjoy easy access to local restaurants, shopping, parks, and community events while living in a home that offers both historic charm and modern peace of mind. Move-in ready and loaded with upgrades, this unique property is a must-see!
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
1,727
Sqft
0.29 ac
Lot size
1948
Year built
One
Levels
$156
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.
$2,028 /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
$2,028/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
−18.6%
$/sqft vs Lakeland actives
$156 vs $194
Days on market
59 vs 43 typical
Where $156/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 Lake Hunter Terrace
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Lake Hunter Terrace — neighborhood snapshot
Population
678
Median age
32
Median income
$32,159
Median home value
$192,000
Avg household
2
Households w/ children
103
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)
199 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 30% above the LAKELAND 33815 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 832 S CENTRAL AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$238,500
1104 W MARJORIE STREET · same community
2 bd · 1.5 ba · 1,256 sqft · $190/sqft · 46 DOM
Sold · Jun ’26$269,900
1120 W MARJORIE STREET · same community
3 bd · 2 ba · 1,059 sqft · $255/sqft · 132 DOM
Sold · Jun ’26$389,500
2303 W END AVENUE
3 bd · 1 ba · 1,720 sqft · $226/sqft · 15 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 832 S CENTRAL AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 832 S CENTRAL AVENUE — 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
832 S CENTRAL AVENUE FAQs
What would the monthly payment be for 832 S CENTRAL AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,028/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 832 S CENTRAL AVENUE?+
The most recent tax bill on record (2025) was $1,947. 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 $269,500, this home is listed about 21% below the Lakeland median of $339,000. The market section on this page shows how the area is trending.
Which schools are assigned to 832 S CENTRAL AVENUE?+
Southwest Middle School (middle), Kathleen Senior High School (high), Scott Lake Elementary School (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Kristy Wagner. MLS #TB8516578.
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.
Never miss a listing
New Lakeland homes, in your inbox
Like 832 S CENTRAL AVENUE but not quite? A daily digest of every new listing in Lakeland — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →