David Ramirez
$449,5004 bd2.5 ba2,596 sqft$173 /sqft$3,409 /mo all-in ↓

107 ELM SQUARE S, LAKELAND, FL, 33813

Active6 days on marketListed Jul 22, 2026MLS #TB8531287

Private poolSingle Family ResidenceCHRISTINA WOODS

About this home

107 ELM SQUARE S

This one-of-a-kind Mid-Century Modern/Contemporary pool home is located in the highly desirable Christina community of South Lakeland. Offering 4 bedrooms, 2 full bathrooms, 1 half bathroom, and a thoughtfully designed floor plan. This home seamlessly blends timeless architectural character with modern updates and exceptional living spaces. From the moment you step inside, you'll be captivated by the home's signature sunken conversation pit, creating a warm and inviting gathering space unlike anything else on the market. A stunning double-sided wood-burning fireplace serves as the centerpiece between the living areas, while the expansive family room provides plenty of space for entertaining, relaxing, and making lasting memories. The spacious kitchen is designed for both everyday living and entertaining, featuring a walk-in pantry and an open layout that flows effortlessly into the main living areas. Ceramic tile flooring throughout provides durability, low maintenance, and a cohesive look throughout the home. Step outside to your own private backyard oasis featuring a sparkling in-ground pool, oversized paver patio, and screened lanai—perfect for weekend barbecues, pool parties, or simply enjoying Florida's year-round sunshine. Additional features include a new A/C system and ductwork (2026), an oversized two-car garage with two bonus storage rooms, generously sized bedrooms, a spacious primary suite, mature landscaping, and a large corner lot that enhances both privacy and curb appeal. Conveniently located in the established Christina neighborhood, you'll enjoy tree-lined streets, a welcoming community atmosphere, and easy access to highly rated schools, shopping, dining, medical facilities, and the Polk Parkway for convenient travel to Tampa or Orlando. Don't miss this rare opportunity to own an architecturally distinctive home that offers space, character, and the Florida lifestyle you've been searching for.

Facts & features

The home at a glance

4

Bedrooms

2.5

Bathrooms

2,596

Sqft

0.37 ac

Lot size

2

Garage

1975

Year built

One

Levels

$173

Per sqft

Private poolFireplace

Inside

FlooringCeramic Tile
AppliancesConvection Oven · Dishwasher · Disposal · Dryer · Electric Water Heater · Range · Refrigerator · Washer
InteriorPrimary Bedroom Main Floor · Thermostat · Vaulted Ceiling(s)
LaundryElectric Dryer Hookup · Inside · Laundry Room · Washer Hookup
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesSouth
ParkingGarage Faces Side · Ground Level · Off Street
ExteriorPrivate Yard · Sliding Doors

Community & fees

HOA fee$1/mo
Taxes (2025)$4,838/yr
PetsCats OK, Dogs OK

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Sewer Connected · Water Connected
WaterPublic

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.

$3,409 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,646
FHA mortgage insurance (est.)$199
Property tax — 2025 actual bill$403
HOA fee — from the listing$1
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $15,733Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $15,733
Interest rate6.00%
Loan term

Estimated payment

$3,409/mo

Principal & interest$2,646
FHA mortgage insurance (est.)$199
Property taxes (actual bill)$403
HOA / condo fee$1
Est. insurance$160

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.

List $450K
$432KedgeAI estimate $533,230 · range $501K$587K$611K

vs edgeAI estimate

−15.7%

$/sqft vs Lakeland actives

$173 vs $196

Days on market

6 vs 33 typical

Where $173/sqft sits among the 400 Lakeland actives

78
105 · this home
115
51
22
29
$126–159$159–192$192–225$225–259$259–292$292+

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 Christina Woods

Map of 107 ELM SQUARE S inside its neighborhood boundary

Drive times from this address

Downtown Tampa43 min
Tampa Int’l Airport (TPA)55 min
Walt Disney World56 min
Universal Orlando66 min
Downtown Orlando72 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Get to know Lakeland. See the full Lakeland guide →

Christina Woods — neighborhood snapshot

Population

2,765

Median age

43

Median income

$110,077

Median home value

$340,637

Avg household

3

Households w/ children

355

For the school run

Polk County School District

ElementaryScott Lake Elementary School★★★★★
MiddleLakeland Highlands Middle School★★★★★
HighGeorge W. Jenkins Senior High★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Lakeland market

Seller’s marketLeans seller4.9 months of inventoryBuyer’s market

$318K$320K

Lakeland median sold, yr/yr

97.7%

Sale-to-list ratio (12 mo)

198 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 8% above the LAKELAND 33813 median. See the full Lakeland market guide →

Paper trail

This home's history

Jul 22, 2026Listed at $449,500 · 6 days on market since
1975Built · CHRISTINA WOODS

Reality check

What actually sold near 107 ELM SQUARE S

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

116 ELM COURTSold · Nov ’25

$499,900

116 ELM COURT · same community

4 bd · 2.5 ba · 2,764 sqft · $181/sqft · 5 DOM

6308 CHRISTINA PARKWAYSold · May ’26

$380,000

6308 CHRISTINA PARKWAY · same community

3 bd · 3 ba · 2,320 sqft · $164/sqft · 93 DOM

103 OAK SQUARE NSold · Oct ’25

$440,000

103 OAK SQUARE N · same community

4 bd · 2 ba · 2,317 sqft · $190/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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 107 ELM SQUARE S — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 107 ELM SQUARE S — 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.

Goes straight to David’s phone and CRM.

Straight answers

107 ELM SQUARE S FAQs

What would the monthly payment be for 107 ELM SQUARE S?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,409/mo — principal and interest, the actual property-tax bill, the $1/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 107 ELM SQUARE S?+

The association fee works out to $1 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 107 ELM SQUARE S?+

The most recent tax bill on record (2025) was $4,838. 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 107 ELM SQUARE S?+

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 $449,500, this home is listed about 32% above the Lakeland median of $340,000. The market section on this page shows how the area is trending.

Which schools are assigned to 107 ELM SQUARE S?+

Scott Lake Elementary School (elementary), Lakeland Highlands Middle School (middle), George W. Jenkins Senior High (high) — Polk County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of SCHLEICHER SELECT PROPERTIES · Kurt Schleicher. MLS #TB8531287.

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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