
107 ELM SQUARE S, LAKELAND, FL, 33813
Active6 days on marketListed Jul 22, 2026MLS #TB8531287
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
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.
$3,409 /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
$3,409/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
−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
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
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lakeland 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
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.
Sold · Nov ’25$499,900
116 ELM COURT · same community
4 bd · 2.5 ba · 2,764 sqft · $181/sqft · 5 DOM
Sold · May ’26$380,000
6308 CHRISTINA PARKWAY · same community
3 bd · 3 ba · 2,320 sqft · $164/sqft · 93 DOM
Sold · 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.
Your agent
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 107 ELM SQUARE S — start here.

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.
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.
Keep looking
Similar homes nearby
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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