490 LINDSEY DR, LAKELAND, FL, 33809
Active0 days on marketListed Aug 18, 2026MLS #P4939623
About this home
490 LINDSEY DR
BEAUTIFUL 3 Bedroom, 2 Bathroom home in North Lakeland with a PRIVATE, IN-GROUND POOL!! Lots of space to entertain family and friends inside and outside with a large screened-in pool area as well as a fenced back yard!! You'll love the open floor plan, split bedroom plan, lots of natural light and the spacious corner lot that's a bit more than a 1/4 acre!! A huge shed for additional storage or possibly an additional place to entertain after swimming! Tinted windows, new roof 2020, new pool screen 2024, new fence 2021, new water heater 2020 and more!! It's all ready for a new owner! Come and see this rare opportunity to own a home that's conveniently located just off 98 North in North Lakeland.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,566
Sqft
0.26 ac
Lot size
2000
Year built
One
Levels
$169
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.
$2,056 /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
$2,056/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.
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 33809 — neighborhood snapshot
Population
30,498
Median age
42.6
Median income
$67,112
Median home value
$248,700
Avg household
2.58
Households w/ children
3,738
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 → $325K
Lakeland median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
Median sold price, Lakeland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% below the LAKELAND 33809 median. See the full Lakeland market guide →
Paper trail
This home's history
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
Sean Riebau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 490 LINDSEY DR — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 490 LINDSEY DR — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Sean's phone and CRM.
Straight answers
490 LINDSEY DR FAQs
What would the monthly payment be for 490 LINDSEY DR?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,056/mo — principal and interest, the actual property-tax bill, the $16/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 490 LINDSEY DR?+
The association fee works out to $16 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 490 LINDSEY DR?+
The most recent tax bill on record (2025) was $2,430. 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 490 LINDSEY DR?+
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 $265,000, this home is listed about 21% below the Lakeland median of $335,000. The market section on this page shows how the area is trending.
Which schools are assigned to 490 LINDSEY DR?+
Edgar L. Padgett Elementary (elementary), Lake Gibson Middle School (middle), Lake Gibson Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the LAKELAND 33809 market on paper
$265,000 is 18% below the LAKELAND 33809 median of $324,950, and at $169/sqft it sits under the Lakeland average of $204.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Listed today in a Lakeland market that averages 45 — if it fits, move quickly.
Listing courtesy of FLORIDA REALTY MARKETPLACE · Debra Cormier LLC. MLS #P4939623.
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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