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$245,000

910 N RUTH AVENUE, LAKELAND, FL 33815

3D Tour

Active1 days on market

Beds

Baths

Sq Ft

1,040 sq ft

Year Built

1958

Lot Size

0.22 acres

Garage

—

About This Property

Welcome to this beautifully renovated 3-bedroom, 1-bathroom home offering 1,040 square feet of thoughtfully updated living space on nearly a quarter-acre lot. Every detail has been carefully designed to provide modern style, comfort, and peace of mind. Step inside to luxury vinyl plank flooring that flows throughout the home, complemented by recessed LED lighting, ceiling fans in every room, and abundant natural light from all-new windows installed in 2026. The stunning, fully remodeled kitchen features brand-new slow-close cabinetry, elegant granite countertops, a sleek backsplash, and stainless steel appliances—perfect for everyday living and entertaining. The updated bathroom showcases porcelain tile shower walls with a bathtub, modern fixtures, and contemporary finishes. In addition to the three spacious bedrooms, you’ll find a large bonus room that offers endless possibilities as a family room, home office, playroom, or guest space. An attached laundry/utility room provides added convenience and extra storage. Major system updates completed in 2026 include a brand-new roof, new HVAC system, new windows, and all interior and exterior doors replaced, giving the next owner confidence for years to come. The freshly painted exterior enhances the home’s curb appeal, while the expansive lot provides plenty of room to enjoy outdoor living, gardening, or future additions. Conveniently located close to downtown, Bonnet Springs Park, and major cities like Tampa and Orlando, this home also offers easy access to Interstate 4 for a simple and convenient commute. Best of all, there are NO HOA and NO CDD fees, giving you the freedom to truly make this property your own. Whether you’re a first-time homebuyer, downsizing, or looking for a move-in-ready investment, this home checks all the boxes. Schedule your private showing today and come see everything this exceptional property has!

Property Overview

Property TypeResidential

Sub TypeSingle Family Residence

MLS #L4963451

StatusActive

Year Built1958

Stories1

Total Rooms6

ConstructionBlock

RoofShingle

FoundationConcrete Perimeter

FacesNorth

SubdivisionLAKE BONNET PARK

CountyPolk

OwnershipFee Simple

Interior Features

InteriorLiving Room/Dining Room Combo, Open Floorplan

FlooringLuxury Vinyl

AppliancesDishwasher, Range, Refrigerator

LaundryLaundry Room

CoolingCentral Air

HeatingElectric

SecuritySmoke Detector(s)

Exterior & Lot

ExteriorPrivate Mailbox

Lot Size0.22 acres (9,448 sq ft)

Lot Dimensions60 x 158

Road SurfaceAsphalt

Utilities

WaterPublic

SewerPublic Sewer

UtilitiesBB/HS Internet Available, Electricity Available, Sewer Connected, Water Available

Parking

GarageNo

HOA & Community

HOANo

Senior CommunityNo

Financial Details

List Price$245,000

Annual Taxes$1,477 (2025)

FinancingCash, Conventional, FHA, USDA Loan, VA Loan

ZoningRA-4

Parcel #232814084000001100

Schools

ElementaryHighland City Elem

MiddleLawton Chiles Middle

HighKathleen High

Directions

From N Wabash Ave, Head East on Memorial Blvd US-92, Make a Right onto Ruth Ave Home is on the Right

Location

910 N RUTH AVENUE, LAKELAND, FL 33815

Listing Information

OfficeKELLER WILLIAMS REALTY SMART

ListedJuly 12, 2026

Schedule a Tour

Pick a Day

Preferred Time

Home Price

$245,000

Down Payment20% ($49,000)

Interest Rate6.75%

Loan Term

Principal & Interest$1,271

Property Tax (est.)$225

Insurance (est.)$150

Total Monthly$1,646

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Nearby Schools

Elementary School

Highland City Elem

View on GreatSchools →

Middle School

Lawton Chiles Middle

View on GreatSchools →

High School

Kathleen High

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How to Buy This Home

Multiple financing options available for this $245,000 home in LAKELAND.

🏛️

FHA Loan

$8,575 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

$12,250 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.

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.