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$375,000

2356 LAKE JAMES WAY, LAKELAND, FL 33810

3D Tour
Active114 days on market

Beds

2

Baths

2

Sq Ft

2,124 sq ft

Year Built

2005

Lot Size

0.18 acres

Garage

2

About This Property

Welcome to this beautifully crafted custom home by Ernie White, located in a desirable gated 55+ community in North Lakeland. Offering over 2,000 square feet of thoughtfully designed living space, this residence features 2 spacious bedrooms and 2 full bathrooms, with a study and an open, inviting layout ideal for both everyday living and entertaining. Inside, you’ll find a blend of wood and tile flooring throughout, creating a warm yet low-maintenance environment. The generous living areas flow seamlessly, while large windows provide natural light and a comfortable atmosphere. You can also enjoy an expansive bonus area that can be used as a sitting room, office or hobby area. This home also has plenty of storage options. Enjoy a truly carefree lifestyle with HOA fees that include lawn care, cable, internet and use of all amenities. The community itself is quiet, beautifully maintained, and rich in amenities, featuring a clubhouse, fitness center, and sparkling pool—perfect for socializing or relaxing. If you’re looking for quality construction, comfort, and an active yet peaceful community, this exceptional home is a must-see. Act quickly--this home is priced to sell and ready for its next owner.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #L4962745
StatusActive
Year Built2005
Stories1
Total Rooms3
ConstructionBlock
RoofShingle
FoundationSlab
FacesNorthwest
SubdivisionLAKE JAMES PH 01
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Crown Molding, High Ceilings, Open Floorplan, Stone Counters, Thermostat, Walk-In Closet(s), Window Treatments
FlooringLuxury Vinyl, Tile, Hardwood
AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Washer
LaundryInside, Laundry Room
WindowsDouble Pane Windows
CoolingCentral Air
HeatingCentral
SecurityGated Community

Exterior & Lot

ExteriorAwning(s), Irrigation System, Sidewalk
Lot Size0.18 acres (7,767 sq ft)
Road SurfacePaved
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Connected, Electricity Connected, Public, Sewer Connected, Sprinkler Recycled, Street Lights, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$1,860 / Semi-Annually
Senior CommunityYes

Financial Details

List Price$375,000
Original Price$380,000
Annual Taxes$4,658 (2025)
FinancingCash, Conventional, FHA, VA Loan
Parcel #232710000829000380

Directions

98 North to West on Banana Rd. Turn South(Left) into Lake James Subdivision. Drive through the gate and take the first right. Follow this road to the 1st left (Will be Lake James Wa) and the home will be the second on your Right(There will be a sign in the yard).

Location

2356 LAKE JAMES WAY, LAKELAND, FL 33810

Listing Information

OfficeDREAM REALTY GROUP
ListedJune 18, 2026

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Home Price

$375,000

20% ($75,000)
6.75%

Loan Term

Principal & Interest$1,946
Property Tax (est.)$344
Insurance (est.)$150
Total Monthly$2,440
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How to Buy This Home

Multiple financing options available for this $375,000 home in LAKELAND.

🏛️

FHA Loan

$13,125 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$18,750 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Polk County SHIP

Varies

Income-qualifying Polk residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: October 10, 2026.

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