$185,000
3231 BEAR CREEK LANE, LAKELAND, FL 33810
Beds
2
Baths
1
Sq Ft
1,400 sq ft
Year Built
1988
Lot Size
0.12 acres
Garage
—
About This Property
Life at Highland Fairways, a 55+ golf community, runs on the golf course, the pool, and a clubhouse calendar that stays full. This home is the low-maintenance way to live it, with less time on upkeep and more on the things you came for. A bonus room adds flex space beyond the main living area, ready as an office, hobby room, or your morning-coffee spot. The HOA covers lawn care, cable, and high-speed internet, so the outside stays handled. Gated and golf-cart-friendly, the community centers on an 18-hole executive golf course, with a heated pool and spa, tennis and pickleball, a fitness center, and year-round events from dances and dinners to bocce, shuffleboard, and cards. Minutes to shopping off US-98 and quick to I-4, about midway between Tampa and Orlando. Roof- About 2 years old | HVAC- 2018| Water Heater- 2006. Come walk it in person!
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Directions
From US-98 N, turn onto Griffin Rd. Turn right onto Highland Fairways Blvd. Turn left onto Pebble Bend Dr. Turn right onto Golden Horseshoe Cir. Turn left onto Bear Creek Ln.
Location
3231 BEAR CREEK LANE, LAKELAND, FL 33810
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$185,000
Loan Term
How to Buy This Home
Multiple financing options available for this $185,000 home in LAKELAND.
🏛️
FHA Loan
$6,475 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
$9,250 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.
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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 6, 2026.