2120 SOUTHERN OAKS LANE, LAKELAND, FL, 33813
Active114 days on marketListed Apr 21, 2026MLS #W7885043
About this home
2120 SOUTHERN OAKS LANE
Luxury Citrus Legacy Estate | Exclusive Gated Community Experience the perfect harmony of refined elegance and unparalleled functionality in this magnificent custom estate. Spanning an expansive floor plan, this 5-bedroom, 4.5-bathroom with a huge flex room residence is a masterpiece of design. Located in the heart of Lakeland, Florida, this home sits on land once defined by the region's legendary citrus heritage. Now, it stands as the centerpiece of an ultra-exclusive, gated enclave of only ten residences, offering the ultimate in privacy and prestige. The Ultimate Indoor-Outdoor Lifestyle This home is a true entertainer's dream, anchored by a massive, professionally designed lanai that perfectly captures the Florida lifestyle. The outdoor living space features a complete outdoor kitchen equipped with a premium built-in gas grill, creating the perfect setting for seamless year-round hosting. Beyond the kitchen, indulge in your own private resort with a sparkling saltwater pool and spa. Gourmet Culinary Sanctuary At the heart of the home lies a professional grade gourmet kitchen, designed for the serious chef. Featuring high-end appliances, custom cabinetry, and a suite of ''whole gas'' features--including a high-performance gas stove--this space is as functional as it is beautiful. Premium Gas & Smart Infrastructure Built for those who value efficiency and peace of mind, this home features: A whole-house generator provides complete reliability, while three dedicated HVAC units give precision zoned climate control. Gas-Powered Luxury: A ''whole gas'' residence featuring a tankless water heater for endless hot water, a gas stove, and a dedicated gas hook-up for the laundry suite. Architectural Grandeur: Impressive, soaring front entry doors and expansive sliding glass walls that create a seamless, light-filled flow between the great room and the sprawling outdoor space. Garage & Storage: A massive, oversized garage designed to accommodate large vehicles, storage, and projects with ease. Prime Lakeland Living Positioned minutes from the area's finest attractions, you are never far from the action. Enjoy quick access to the vibrant culture of Florida Southern College, entertainment at the RP Funding Center, and spring training at Joker Marchant Stadium. For nature lovers, the serene trails of Circle B Bar Reserve and the iconic Bok Tower Gardens are just a short drive away. Discover the lifestyle you deserve. This rare property represents the absolute best of Lakeland living. Schedule your private tour today to experience the grand scale and exquisite craftsmanship of this estate in person. https://youtu.be/dhooN__LpzM?si=m_l1f-f0FUZWi8SS
Facts & features
The home at a glance
5
Bedrooms
4.5
Bathrooms
4,195
Sqft
0.52 ac
Lot size
3
Garage
2018
Year built
Two
Levels
$237
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.
$6,605 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$6,605/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
−6.2%
$/sqft vs Lakeland actives
$237 vs $193
Days on market
114 vs 44 typical
Where $237/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 33813 — neighborhood snapshot
Population
38,112
Median age
39.9
Median income
$96,723
Median home value
$330,100
Avg household
2.72
Households w/ children
5,079
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 → $320K
Lakeland median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
210 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 146% above the LAKELAND 33813 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 2120 SOUTHERN OAKS LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$800,000
2121 SOUTHERN OAKS LANE · same community
5 bd · 3.5 ba · 3,846 sqft · $208/sqft · 6 DOM
Sold · Jul ’26$875,000
1222 MONTCALM STREET · same community
4 bd · 3.5 ba · 3,602 sqft · $243/sqft · 2 DOM
Sold · Dec ’25$875,000
1216 BUCKWOOD DRIVE · same community
5 bd · 3 ba · 3,453 sqft · $253/sqft · 4 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 2120 SOUTHERN OAKS LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2120 SOUTHERN OAKS 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
2120 SOUTHERN OAKS LANE FAQs
What would the monthly payment be for 2120 SOUTHERN OAKS LANE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,605/mo — principal and interest, the actual property-tax bill, the $83/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 2120 SOUTHERN OAKS LANE?+
The association fee works out to $83 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2120 SOUTHERN OAKS LANE?+
The most recent tax bill on record (2025) was $7,378. 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 2120 SOUTHERN OAKS LANE?+
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 $995,900, this home is listed about 195% above the Lakeland median of $337,900. The market section on this page shows how the area is trending.
Which schools are assigned to 2120 SOUTHERN OAKS LANE?+
Medulla Elementary School (elementary), Southwest Middle School (middle), George W. Jenkins Senior High (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$995,900 runs 146% above the LAKELAND 33813 median — but at 4,195 sqft it's also nearly 2 times the size of the typical Lakeland listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
114 days on market against a Lakeland median of 44 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $1,150,000, now $995,900 — a $154K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KW REALTY ELITE PARTNERS. MLS #W7885043.
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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