Beds
2
Baths
3
Sq Ft
1,449 sq ft
Year Built
1925
Lot Size
0.16 acres
Garage
2
About This Property
MORE PHOTOS COMING SOON! Welcome to this beautifully restored home nestled in the heart of the historic district—where classic charm meets peace of mind. This property has been thoughtfully and extensively upgraded (by Hunt Construction of Central Florida Inc, CGC061690), offering the character you love with the systems and features you need. Step inside and enjoy a home that has been completely updated from top to bottom, including: All-NEW ELECTRIC wiring 2025 Brand-NEW PLUMBING throughout 2025 NEW NATURAL GAS LINES servicing the stove and tankless water heater 2025 NEW A/C SYSTEM for year-round comfort 2026 2024 NEW ROOF NEW INSULATION lowering electric bill 2026 HURRICANE STRAPS for wind mitigation inspection making insurance rates comparable to new construction Fully rehabilitated original windows, preserving historic charm while improving efficiency The kitchen is equipped with all NEW APPLIANCES, including: Refrigerator Natural Gas Stove Microwave Dishwasher All-in-one washer/dryer combo Natural Gas Tankless hot water heater for on-demand efficiency Outside, the property offers even more potential. The detached garage already has electric in place and is ready for plumbing hookup, making it an ideal candidate for conversion into an Accessory Dwelling Unit (ADU)—perfect for rental income, guest space, or a private office. This is a rare opportunity to own a fully modernized historic home with income-producing potential and major system upgrades already completed. Buyer and Buyer's Broker is responsible for all confirmation and due diligence. This Home is in a Historical Preservation area and requires additional approval for exterior work to maintain the historical charm of Downtown Lakeland.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
Take Polk Parkway to Exit 7 – South Florida Avenue. Turn north onto South Florida Avenue toward downtown Lakeland. Continue approximately 3 miles. Turn right onto Lime Street. Turn left onto South Missouri Avenue. Turn right onto Cumberland Street. Continue to 828 Cumberland Street, which will be on your right.
Location
828 CUMBERLAND STREET, LAKELAND, FL 33801
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$525,000
Loan Term
Nearby Schools
How to Buy This Home
Multiple financing options available for this $525,000 home in LAKELAND.
🏛️
FHA Loan
$18,375 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
$26,250 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: July 22, 2026.