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$285,000

4316 TROTTERS WAY, LAKELAND, FL 33801

3D Tour
Active87 days on market

Beds

3

Baths

2

Sq Ft

1,555 sq ft

Year Built

2023

Lot Size

0.13 acres

Garage

2

About This Property

Down payment assistance may be available to qualified buyers on this address — have your lender check before writing it off. Vacant and available now: no build timeline, no rent-back. Nearly-new 2023 Lennar build, 3 bedrooms, 2 baths, 1,555 sq ft on a fully fenced pond-view lot in Saddle Creek Preserve. Tile flooring through the open living, dining and kitchen. Granite counters, tiled backsplash, stainless appliances and an oversized island. Primary suite with walk-in closet, linen closet, dual-sink vanity and walk-in shower. Dedicated laundry room, 2-car garage, ceiling fans throughout. Flood Zone X. HOA is $216 a year — not a month — with community pool and dog park; a CDD assessment also applies. Transferable Lennar Limited Warranty. Minutes to Saddle Creek Park's fishing and nature trails, Publix at Grove Park and Bonnet Springs Park. Just off I-4: about 45 minutes to Tampa, 50 to Orlando.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #L4963420
StatusActive
Year Built2023
Total Rooms9
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesSouth
SubdivisionSADDLE CRK PRESERVE PH 1
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCathedral Ceiling(s), Ceiling Fan(s), Living Room/Dining Room Combo, Open Floorplan, Thermostat, Walk-In Closet(s), Window Treatments
FlooringCarpet, Ceramic Tile
AppliancesDishwasher, Dryer, Electric Water Heater, Microwave, Refrigerator, Washer, Water Filtration System
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorIrrigation System
FencingVinyl
Lot Size0.13 acres (5,837 sq ft)
Road SurfacePaved
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Available, Electricity Connected, Public, Sewer Connected, Underground Utilities, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$216 / Annually
Senior CommunityNo

Financial Details

List Price$285,000
Original Price$300,000
Annual Taxes$6,702 (2025)
FinancingCash, Conventional, FHA, USDA Loan, VA Loan
Parcel #242812178758001160

Schools

ElementaryCombee Elem
MiddleCrystal Lake Middle/Jun
HighTenoroc Senior

Directions

From I-4 (Eastbound, coming from Tampa): Take I-4 East to Exit 33 for FL-33 (Lakeland Hills Blvd) Head south on FL-33 N/Lakeland Hills Blvd Continue to FL-659 S, then follow to State Hwy 546/Saddle Creek Rd Turn onto Saddle Creek Rd, then follow signage into the Saddle Creek Preserve community Turn onto Trotters Way — 4316 will be on your right/left (numbering runs sequentially through the community) From I-4 (Westbound, coming from Orlando): Take I-4 West to Exit 33 for FL-33 Head south on FL-33/Lakeland Hills Blvd Follow FL-659 S to State Hwy 546/Saddle Creek Rd Turn into the Saddle Creek Preserve community Turn onto Trotters Way to reach 4316

Location

4316 TROTTERS WAY, LAKELAND, FL 33801

Listing Information

OfficeLA ROSA REALTY PRESTIGE
ListedJuly 13, 2026

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Home Price

$285,000

20% ($57,000)
6.75%

Loan Term

Principal & Interest$1,479
Property Tax (est.)$261
Insurance (est.)$150
Total Monthly$1,890
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $285,000 home in LAKELAND.

🏛️

FHA Loan

$9,975 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

$14,250 Down

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

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

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 8, 2026.

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