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$265,000

1037 JOSEPHINE STREET, LAKELAND, FL 33815

3D Tour

Active23 days on market

Beds

Baths

Sq Ft

1,220 sq ft

Year Built

1948

Lot Size

0.23 acres

Garage

—

About This Property

Thoughtfully updated while preserving its historic character, this move-in-ready 3-bedroom, 1-bath home blends timeless charm with modern convenience. Nestled on a picturesque brick-paved street just moments from Lake Hunter, this Lakeland gem offers the perfect balance of tranquility and accessibility. Enjoy being just minutes from downtown Lakeland, Lakeside Village, I-4, and a short bike ride to Bonnet Springs Park, named USA Today's #1 City Park in 2025. You'll also love being within walking distance of Lake Hunter, featuring scenic views and a popular lakeside walking and running path. **Best of all, there are no HOA or CDD fees**, giving you the freedom to enjoy your home without added restrictions or expenses. Inside, original hardwood floors showcase the home's character, while thoughtful updates provide modern comfort. The renovated kitchen features granite countertops and premium appliances, while improvements to the electrical system, newer flooring in the kitchen and dining area, ceiling fans, and blinds throughout offer added peace of mind. Major system updates include a **new roof, HVAC system, and water heater—all replaced within the last five years**. Step outside to a spacious, fully fenced backyard perfect for entertaining, relaxing, or enjoying Florida evenings on the patio. A dedicated laundry room adds even more functionality to this thoughtfully designed home. Filled with natural light and undeniable charm, this beautifully preserved historic home offers a rare opportunity to own a piece of Lakeland history with the confidence of significant recent updates. Schedule your private showing today.

Property Overview

Property TypeResidential

Sub TypeSingle Family Residence

MLS #L4962883

StatusActive

Year Built1948

Stories1

Total Rooms8

ConstructionWood Frame

RoofShingle

FoundationCrawlspace

FacesSouth

SubdivisionLAKE HUNTER TERRACE

CountyPolk

OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s)

FlooringCarpet, Marble, Hardwood

AppliancesDishwasher, Electric Water Heater, Microwave, Range, Refrigerator

LaundryInside, Laundry Room

CoolingCentral Air

HeatingCentral

Exterior & Lot

ExteriorNone

Other StructuresShed(s)

Lot Size0.23 acres (10,041 sq ft)

Lot Dimensions75 x 135

Lot FeaturesHistoric District, City Lot

Road SurfaceBrick

Utilities

WaterNone

SewerPublic Sewer

UtilitiesBB/HS Internet Available, Cable Available, Public, Sewer Connected, Water Connected

Parking

GarageNo

HOA & Community

HOANo

Senior CommunityNo

Financial Details

List Price$265,000

Original Price$275,000

Annual Taxes$2,351 (2025)

FinancingCash, Conventional, FHA, VA Loan

ZoningRA-3

Parcel #232824124500006150

Schools

ElementaryScott Lake Elem

MiddleSouthwest Middle School

HighKathleen High

Directions

From Polk Parkway, head North on Harden Blvd, West on Josephine St to 1037 Josephine St

Location

1037 JOSEPHINE STREET, LAKELAND, FL 33815

Listing Information

OfficeS & D REAL ESTATE SERVICE LLC

ListedJune 19, 2026

Schedule a Tour

Pick a Day

Preferred Time

Home Price

$265,000

Down Payment20% ($53,000)

Interest Rate6.75%

Loan Term

Principal & Interest$1,375

Property Tax (est.)$243

Insurance (est.)$150

Total Monthly$1,768

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Nearby Schools

Elementary School

Scott Lake Elem

View on GreatSchools →

Middle School

Southwest Middle School

View on GreatSchools →

High School

Kathleen High

View on GreatSchools →

How to Buy This Home

Multiple financing options available for this $265,000 home in LAKELAND.

🏛️

FHA Loan

$9,275 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

$13,250 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.

Full Calculator →First-Time Buyer Guide →VA Loan Guide →

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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: July 13, 2026.