1836 N Crystal Lake Dr #95 · Lakeland, FL 33801

$185,000

4 bd · 2.5 ba · 1,730 sqft · Townhouse · 265 Days on market

Built 1976 1,311 sqft lot $409/mo HOA · 20% of rent

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Why this score? — see what drove the D- grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +10.6/30.0
• ARV discount +7.5/15.0
• 1% rule +5.9/10.0
• Livability +3.9/5.0
• Schools +3.5/10.0
• DSCR +3.1/10.0
• Rent growth +2.8/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Back On the Market! You must see this beautiful 4-bedroom, 2.5 bath townhome today! This community is nestled conveniently between Southeastern University, Florida Southern and a short commute to Polk State Colleges located on the south banks of beautiful Bonny Lake and a half mile east of Lake Hollingsworth. Stepping in through the front door you will enter the spacious great room with attached dining room. Next to the dining area is the updated kitchen with granite counter tops and complimentary black appliances. Downstairs is a perfect space for entertaining family or guests including the spacious screened in back patio that overlooks the community pool just steps away across the grass lawn. There is also has a large laundry room and storage area along with a conveniently located half bath near the front door. Up the wooden staircase you will find the nice sized 4 bedrooms and 2 full bathrooms that have been upgraded to with showers. The community has access to the shores of Bonny Lake, a Clubhouse, Gym, and an additional larger pool behind the Clubhouse for your entertainment. There is storage lot for boats and trailers available to the community members. The complex is maintenance free so you can relax on the weekends and enjoy all the amenities, local parks, and convenient local shops in the area. Do not wait! Schedule your appointment to view this home today!

Key facts

• Community pool
• Hard surface floors
• Large screened lanai

Tags

• TWO COMMUNITY POOLS
• UPGRADED GRANITE COUNTERTOPS
• LARGE SCREENED LANAI
• HARD SURFACE FLOORS
• COMMUNITY POOL
• SMALL CLUBHOUSE

Property features AI

Finance

• Financial info: Total annual association fees approximately $4,908; Lease restrictions apply
• HOA & community: Monthly HOA fee of $409; HOA covers pool, trash, water, sewer, structure and grounds maintenance; Community amenities include clubhouse, fitness center, pool, playground, sidewalks and community mailbox; Pets allowed with limits

Exterior

• Utilities: Public water; Public sewer; Electricity available; Cable available; Phone available; Sewer connected; Water connected
• Home design: Residential townhouse; Two stories; Facing south; Part of 'THE GROVE' building
• Construction: Stucco and vinyl siding over frame construction; Shingle roof; Slab foundation; Built on lot approximately 0.03 acres (24 x 53)
• Exterior features: French doors; Lake access to Bonny Lake; Asphalt road

Interior

• Kitchen: Range; Microwave; Refrigerator
• Bedrooms: 4 bedrooms
• Flooring: Ceramic tile; Laminate; Wood
• Bathrooms: 2 full bathrooms; 1 half bathroom
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; Open floorplan; Living room/dining room combo; Solid surface counters; Thermostat; Walk-in closets; Inside utility room
• Laundry & utility: Inside laundry room; Electric water heater

What this means for you Summary

Snapshot

• This is a 4-bed/2.5-bath townhouse listed at $185k.

Deal economics

• At list price, monthly cash flow is $-92 ($-1k/yr) — negative.
• To cash-flow at today's rent, offer at most $172k (7.2% below list).
• Meets the 1% rule at list price ($2k rent vs $185k).
• Recommended offer: $163k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 77/100 on livability (#206 in FL, #3,179 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A+; Watch: employment D+, amenities F, commute F.
• Polk (suburban): math 39% / reading 43% proficiency, ranked #62 of 73 in FL (top 85%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Crystal Lake Elementary School (math 12% / reading 22%, grade F, #2,121 of 2,144 statewide, top 99%, 409 students, 60% FRL); Lakeland Senior High School (math 29% / reading 51%, grade F, #296 of 667 statewide, top 45%, 2,043 students, 44% FRL).
• Zoned-school proficiency averages 28% at this address vs 41% district-wide (-12 pts) — the specific schools serving this property underperform the Polk average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising (+1.1%/yr); 253 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals at typical pace (median 15d on market — plan ~3-4 weeks tenant-placement turnaround); 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).
• At $2,020/mo this rent would consume 46% of the median local household income ($53k/yr) (locally 1291% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $6k of value loss. Plan a longer hold.
• Polk County population projected at +33% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 265 days — a 12% lower offer ($163k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 8y ago; this cycle's ask has dropped $25k (12%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $148k; 25% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: HOA is 20% of rent.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $162,800 (12.0% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 265 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
3. Built in 1976 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
9. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
10. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.09% ✓
• Cap rate: 5.70%
• Cash-on-cash: -2.12%
• DSCR: 0.91
• GRM: 7.6

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 1.05% rent growth · sell at horizon

5-year hold

• IRR: -22.6%
• Equity multiple: 0.24×
• Total profit: $-39,414
• Equity at exit: $27,584

10-year hold

• IRR: -24.8%
• Equity multiple: -0.08×
• Total profit: $-56,026
• Equity at exit: $15,995

Cash invested: $51,800 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 33801

• Home prices YoY: -15.9%
• Rents YoY: 1.1%
• Active inventory: 253
• Price-to-rent: 7.6×

Monthly cashflow live

• Estimated rent: $2,020 high
• Mortgage (P&I): −$970
• Tax est. 1.5%: −$231 /mo · $2,775/yr
• Insurance: −$77
• HOA: −$409
• Vacancy / Maint / Mgmt: −$424
• Net cashflow: $-92

Break-even live

Break-even rent $2,136

Max offer price $171,755

Occupancy floor 100%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $46,250
• Closing costs: $5,550
• Reserves months: —
• Total cash needed: —

Rent comps 17 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1836 N Crystal Lake Dr #112 Lakeland, FL	3.0	3.0	1482	$2,000	$1.35	23d	1	0.01mi
1836 N Crystal Lake Dr #5 Lakeland, FL	3.0	2.5	1482	$1,695	$1.14	23d	1	0.03mi
1233 Honeytree Ln E Lakeland, FL	3.0	2.0	1355	$2,250	$1.66	3d	1	0.25mi
510 Longfellow Blvd Lakeland, FL	3.0	2.0	1315	$1,825	$1.39	3d	1	0.76mi
158 Lake Hollingsworth Dr Lakeland, FL	3.0	2.0	1900	$2,750	$1.45	23d	1	0.83mi
2017 Hallmark Ct Lakeland, FL	4.0	2.0	2008	$2,450	$1.22	23d	1	0.89mi
350 Bonnyview Dr Lakeland, FL	3.0	2.0	1284	$1,600	$1.25	23d	1	0.90mi
2184 Colonial Ave Lakeland, FL	3.0	2.0	1123	$1,645	$1.46	23d	1	0.91mi
2402 Kiwanis Ave Unit 1258725P Lakeland, FL	3.0	1.0	1194	$3,262	$2.73	14d	1	0.99mi
1211 Jaffa St Lakeland, FL	3.0	2.0	1341	$1,850	$1.38	14d	1	1.04mi
2524 Kiwanis Ave Lakeland, FL	3.0	1.5	1468	$1,670	$1.14	12d	1	1.11mi
2623 New Jersey Rd Lakeland, FL	4.0	3.0	1647	$2,101	$1.28	3d	1	1.20mi
1509 Phyllis St Lakeland, FL	3.0	1.0	1064	$1,660	$1.56	14d	1	1.25mi
1222 E Lemon St Lakeland, FL	3.0	2.0	1168	$1,550	$1.33	14d	1	1.29mi
709 Park Hill Ave Lakeland, FL	3.0	1.0	1114	$1,545	$1.39	3d	1	1.42mi
2155 Lone Oak Ln Lakeland, FL	3.0	2.0	1486	$2,100	$1.41	23d	1	1.48mi
2167 Lone Oak Ln Lakeland, FL	4.0	2.0	1936	$2,350	$1.21	23d	1	1.49mi

HOA detail

• Monthly dues: $409 · $4,908/yr
• Likely covers: poolgym

Listing history 30 events

1. 2026-06-18
   days on market $185,000 Active 265 DOM
2. 2026-06-17
   days on market $185,000 Active 264 DOM
3. 2026-06-16
   days on market $185,000 Active 263 DOM
4. 2026-06-15
   days on market $185,000 Active 262 DOM
5. 2026-06-13
   days on market $185,000 Active 260 DOM
6. 2026-06-10
   days on market $185,000 Active 257 DOM
7. 2026-06-09
   days on market $185,000 Active 256 DOM
8. 2026-06-08
   days on market $185,000 Active 255 DOM
9. 2026-06-07
   days on market $185,000 Active 254 DOM
10. 2026-06-05
    days on market $185,000 Active 251 DOM
11. 2026-06-03
    days on market $185,000 Active 249 DOM
12. 2026-06-01
    days on market $185,000 Active 248 DOM
13. 2026-05-31
    days on market $185,000 Active 247 DOM
14. 2026-02-28
    status Active
15. 2026-02-18
    status Pending
16. 2026-01-24
    price $185,000
17. 2025-12-08
    status Active
18. 2025-10-31
    status Pending
19. 2025-09-16
    price $199,900
20. 2025-08-07
    listed $209,900 Active
21. 2020-12-31
    soldstatus $148,000 Sold 1388-char remark

    Show marketing remark (1388 chars)

    Back On the Market! You must see this beautiful 4-bedroom, 2.5 bath townhome today! This community is nestled conveniently between Southeastern University, Florida Southern and a short commute to Polk State Colleges located on the south banks of beautiful Bonny Lake and a half mile east of Lake Hollingsworth. Stepping in through the front door you will enter the spacious great room with attached dining room. Next to the dining area is the updated kitchen with granite counter tops and complimentary black appliances. Downstairs is a perfect space for entertaining family or guests including the spacious screened in back patio that overlooks the community pool just steps away across the grass lawn. There is also has a large laundry room and storage area along with a conveniently located half bath near the front door. Up the wooden staircase you will find the nice sized 4 bedrooms and 2 full bathrooms that have been upgraded to with showers. The community has access to the shores of Bonny Lake, a Clubhouse, Gym, and an additional larger pool behind the Clubhouse for your entertainment. There is storage lot for boats and trailers available to the community members. The complex is maintenance free so you can relax on the weekends and enjoy all the amenities, local parks, and convenient local shops in the area. Do not wait! Schedule your appointment to view this home today!

22. 2020-11-23
    status Pending 1388-char remark

    Show marketing remark (1388 chars)

    Back On the Market! You must see this beautiful 4-bedroom, 2.5 bath townhome today! This community is nestled conveniently between Southeastern University, Florida Southern and a short commute to Polk State Colleges located on the south banks of beautiful Bonny Lake and a half mile east of Lake Hollingsworth. Stepping in through the front door you will enter the spacious great room with attached dining room. Next to the dining area is the updated kitchen with granite counter tops and complimentary black appliances. Downstairs is a perfect space for entertaining family or guests including the spacious screened in back patio that overlooks the community pool just steps away across the grass lawn. There is also has a large laundry room and storage area along with a conveniently located half bath near the front door. Up the wooden staircase you will find the nice sized 4 bedrooms and 2 full bathrooms that have been upgraded to with showers. The community has access to the shores of Bonny Lake, a Clubhouse, Gym, and an additional larger pool behind the Clubhouse for your entertainment. There is storage lot for boats and trailers available to the community members. The complex is maintenance free so you can relax on the weekends and enjoy all the amenities, local parks, and convenient local shops in the area. Do not wait! Schedule your appointment to view this home today!

23. 2020-11-18
    status Active 1388-char remark

    Show marketing remark (1388 chars)

    Back On the Market! You must see this beautiful 4-bedroom, 2.5 bath townhome today! This community is nestled conveniently between Southeastern University, Florida Southern and a short commute to Polk State Colleges located on the south banks of beautiful Bonny Lake and a half mile east of Lake Hollingsworth. Stepping in through the front door you will enter the spacious great room with attached dining room. Next to the dining area is the updated kitchen with granite counter tops and complimentary black appliances. Downstairs is a perfect space for entertaining family or guests including the spacious screened in back patio that overlooks the community pool just steps away across the grass lawn. There is also has a large laundry room and storage area along with a conveniently located half bath near the front door. Up the wooden staircase you will find the nice sized 4 bedrooms and 2 full bathrooms that have been upgraded to with showers. The community has access to the shores of Bonny Lake, a Clubhouse, Gym, and an additional larger pool behind the Clubhouse for your entertainment. There is storage lot for boats and trailers available to the community members. The complex is maintenance free so you can relax on the weekends and enjoy all the amenities, local parks, and convenient local shops in the area. Do not wait! Schedule your appointment to view this home today!

24. 2020-11-04
    status Pending 1388-char remark

    Show marketing remark (1388 chars)

    Back On the Market! You must see this beautiful 4-bedroom, 2.5 bath townhome today! This community is nestled conveniently between Southeastern University, Florida Southern and a short commute to Polk State Colleges located on the south banks of beautiful Bonny Lake and a half mile east of Lake Hollingsworth. Stepping in through the front door you will enter the spacious great room with attached dining room. Next to the dining area is the updated kitchen with granite counter tops and complimentary black appliances. Downstairs is a perfect space for entertaining family or guests including the spacious screened in back patio that overlooks the community pool just steps away across the grass lawn. There is also has a large laundry room and storage area along with a conveniently located half bath near the front door. Up the wooden staircase you will find the nice sized 4 bedrooms and 2 full bathrooms that have been upgraded to with showers. The community has access to the shores of Bonny Lake, a Clubhouse, Gym, and an additional larger pool behind the Clubhouse for your entertainment. There is storage lot for boats and trailers available to the community members. The complex is maintenance free so you can relax on the weekends and enjoy all the amenities, local parks, and convenient local shops in the area. Do not wait! Schedule your appointment to view this home today!

25. 2020-10-22
    status Active 1388-char remark

    Show marketing remark (1388 chars)

    Back On the Market! You must see this beautiful 4-bedroom, 2.5 bath townhome today! This community is nestled conveniently between Southeastern University, Florida Southern and a short commute to Polk State Colleges located on the south banks of beautiful Bonny Lake and a half mile east of Lake Hollingsworth. Stepping in through the front door you will enter the spacious great room with attached dining room. Next to the dining area is the updated kitchen with granite counter tops and complimentary black appliances. Downstairs is a perfect space for entertaining family or guests including the spacious screened in back patio that overlooks the community pool just steps away across the grass lawn. There is also has a large laundry room and storage area along with a conveniently located half bath near the front door. Up the wooden staircase you will find the nice sized 4 bedrooms and 2 full bathrooms that have been upgraded to with showers. The community has access to the shores of Bonny Lake, a Clubhouse, Gym, and an additional larger pool behind the Clubhouse for your entertainment. There is storage lot for boats and trailers available to the community members. The complex is maintenance free so you can relax on the weekends and enjoy all the amenities, local parks, and convenient local shops in the area. Do not wait! Schedule your appointment to view this home today!

26. 2020-10-13
    status Pending 1388-char remark

    Show marketing remark (1388 chars)

    Back On the Market! You must see this beautiful 4-bedroom, 2.5 bath townhome today! This community is nestled conveniently between Southeastern University, Florida Southern and a short commute to Polk State Colleges located on the south banks of beautiful Bonny Lake and a half mile east of Lake Hollingsworth. Stepping in through the front door you will enter the spacious great room with attached dining room. Next to the dining area is the updated kitchen with granite counter tops and complimentary black appliances. Downstairs is a perfect space for entertaining family or guests including the spacious screened in back patio that overlooks the community pool just steps away across the grass lawn. There is also has a large laundry room and storage area along with a conveniently located half bath near the front door. Up the wooden staircase you will find the nice sized 4 bedrooms and 2 full bathrooms that have been upgraded to with showers. The community has access to the shores of Bonny Lake, a Clubhouse, Gym, and an additional larger pool behind the Clubhouse for your entertainment. There is storage lot for boats and trailers available to the community members. The complex is maintenance free so you can relax on the weekends and enjoy all the amenities, local parks, and convenient local shops in the area. Do not wait! Schedule your appointment to view this home today!

27. 2020-10-01
    listed $148,000 Active 1388-char remark

    Show marketing remark (1388 chars)

    Back On the Market! You must see this beautiful 4-bedroom, 2.5 bath townhome today! This community is nestled conveniently between Southeastern University, Florida Southern and a short commute to Polk State Colleges located on the south banks of beautiful Bonny Lake and a half mile east of Lake Hollingsworth. Stepping in through the front door you will enter the spacious great room with attached dining room. Next to the dining area is the updated kitchen with granite counter tops and complimentary black appliances. Downstairs is a perfect space for entertaining family or guests including the spacious screened in back patio that overlooks the community pool just steps away across the grass lawn. There is also has a large laundry room and storage area along with a conveniently located half bath near the front door. Up the wooden staircase you will find the nice sized 4 bedrooms and 2 full bathrooms that have been upgraded to with showers. The community has access to the shores of Bonny Lake, a Clubhouse, Gym, and an additional larger pool behind the Clubhouse for your entertainment. There is storage lot for boats and trailers available to the community members. The complex is maintenance free so you can relax on the weekends and enjoy all the amenities, local parks, and convenient local shops in the area. Do not wait! Schedule your appointment to view this home today!

28. 2018-12-18
    soldstatus $120,000 Sold 872-char remark

    Show marketing remark (872 chars)

    Wonderful Townhouse condo in the Grove community. This 4 bedroom 2 1/2 Bath is very spacious. Located near Florida Southern, Southeastern and Polk State Colleges. Conveniently close to medical and shopping. Walk into a great room/ dining room combo with updated kitchen with granite counter tops and black appliances. Nice staircase leads to 4 bedrooms upstairs with 2 baths. Downstairs has 1/2 bath and large laundry room. A large patio that is screened in over looks a community pool. A second larger pool is located near the clubhouse for all those family get to gethers. There is lake access and clubhouse and private community gym. This is a family friendly complex. There is a playground and security cameras throughout the community and it is maintenance free so you can relax and enjoy all the ammenities. The seller is very motivated. Make your appointment today.

29. 2018-11-17
    status Pending 872-char remark

    Show marketing remark (872 chars)

    Wonderful Townhouse condo in the Grove community. This 4 bedroom 2 1/2 Bath is very spacious. Located near Florida Southern, Southeastern and Polk State Colleges. Conveniently close to medical and shopping. Walk into a great room/ dining room combo with updated kitchen with granite counter tops and black appliances. Nice staircase leads to 4 bedrooms upstairs with 2 baths. Downstairs has 1/2 bath and large laundry room. A large patio that is screened in over looks a community pool. A second larger pool is located near the clubhouse for all those family get to gethers. There is lake access and clubhouse and private community gym. This is a family friendly complex. There is a playground and security cameras throughout the community and it is maintenance free so you can relax and enjoy all the ammenities. The seller is very motivated. Make your appointment today.

30. 2018-11-08
    listed $123,900 Active 872-char remark

    Show marketing remark (872 chars)

    Wonderful Townhouse condo in the Grove community. This 4 bedroom 2 1/2 Bath is very spacious. Located near Florida Southern, Southeastern and Polk State Colleges. Conveniently close to medical and shopping. Walk into a great room/ dining room combo with updated kitchen with granite counter tops and black appliances. Nice staircase leads to 4 bedrooms upstairs with 2 baths. Downstairs has 1/2 bath and large laundry room. A large patio that is screened in over looks a community pool. A second larger pool is located near the clubhouse for all those family get to gethers. There is lake access and clubhouse and private community gym. This is a family friendly complex. There is a playground and security cameras throughout the community and it is maintenance free so you can relax and enjoy all the ammenities. The seller is very motivated. Make your appointment today.

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 23 d/yr by 30 yrs out
• 💨 Wind 9/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 1 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $24,242
• − Mortgage interest: −$10,363
• − Property taxes: −$2,775
• − Insurance: −$925
• − Repairs & maintenance: −$1,939
• − Management: −$1,939
• − HOA: −$4,908
• − Depreciation: −$5,382
• Taxable loss: −$3,989
• Est. tax savings @ 24.0%: +$957
• After-tax cash flow: $-141/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Polk
• NCES district ID: 1201590
• Math proficiency: 39% ▼ -11.00%
• Reading proficiency: 43% ▼ -4.00%
• Median HH income: $43,979
• Composite: 34.74/100
• National rank: #5132
• State rank: #62 of 73 in FL

Livability — Lakeland

• Score: 77/100
• State rank: #206
• US rank: #3179

Category grades

Amenities F Commute F Cost of living A+ Crime C+ Employment D+ Housing A+ Health & safety A+ User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Lakeland, FL
• County: Polk County · 740,051 people
• City population: 277,690
• Metro: Lakeland-Winter Haven, FL
• Population (ZIP): 35,394
• Household income: $53,061
• Rent vs Own: 51.3% rent · 48.7% own
• Severe rent burden: 1291.0

Population outlook (Polk County) Hauer SSP2

• Today (2025): 752,975 people
• By 2030: 804,621 · +6.9%
• By 2040: 906,117 · +20.3%
• By 2050: 1,000,476 · +32.9%
• By 2075: 1,197,520 · +59.0%
• By 2100: 1,271,518 · +68.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.58)
• Race & ethnicity: White 60% Hispanic / Latino 19% Black 16% Two or more races 8% Asian 1%
• Hispanic origin (detail): Mexican 5% Puerto Rican 8% Cuban 3%
• Common ancestry: Romanian 2% Slovak 2% Lithuanian 1%
• Foreign-born: 8% · Canada
• Languages at home: 83% English-only · Spanish 14% French/Haitian/Cajun 1%

Political lean MEDSL · Polk

• 2024 margin: Strong R (+20.7) · D 39.2% · R 59.9%
• 2008→2024 swing: -14.6pp toward R · 2008: -6.1pp · 2024: -20.7pp
• All cycles: 2024: R+20.7 2020: R+14.4 2016: R+14.1 2012: R+6.8 2008: R+6.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -70.91%
• Current HPI: 373.7159
• Rent YoY: ▲ 1.05%
• Metro: Lakeland-Winter Haven, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+49.3% since first listed

17 events — show timeline

• 2026-02-28 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-02-18 Pending — Stellar MLS as Distributed by MLS Grid
• 2026-01-24 Price Changed $185,000 Stellar MLS as Distributed by MLS Grid
• 2025-12-08 Relisted — Stellar MLS as Distributed by MLS Grid
• 2025-10-31 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-09-16 Price Changed $199,900 Stellar MLS as Distributed by MLS Grid
• 2025-08-07 Listed $209,900 Stellar MLS as Distributed by MLS Grid
• 2020-12-31 Sold (MLS) $148,000 Stellar MLS as Distributed by MLS Grid
• 2020-11-23 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-11-18 Relisted — Stellar MLS as Distributed by MLS Grid
• 2020-11-04 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-10-22 Relisted — Stellar MLS as Distributed by MLS Grid
• 2020-10-13 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-10-01 Listed $148,000 Stellar MLS as Distributed by MLS Grid
• 2018-12-18 Sold (MLS) $120,000 Stellar MLS as Distributed by MLS Grid
• 2018-11-17 Pending — Stellar MLS as Distributed by MLS Grid
• 2018-11-08 Listed $123,900 Stellar MLS as Distributed by MLS Grid