$390,000
8281 LAKE JAMES DRIVE, LAKELAND, FL 33810
Beds
2
Baths
2
Sq Ft
1,847 sq ft
Year Built
2006
Lot Size
0.19 acres
Garage
2
About This Property
The sellers are willing to replace the existing roof prior to closing! Rare opportunity to own a lakefront home in Lake James, a sought-after gated 55+ community in North Lakeland where every residence was crafted by award winning Ernie White Construction. Ideally located just two homes from the clubhouse and community pool, this property offers exceptional convenience along with a beautiful lakefront setting. The popular Gibson model features 2 bedrooms, 2 bathrooms, and a spacious den, perfect for a home office, hobby room, or flexible guest space. The bright, open-concept floor plan flows into a well-appointed kitchen featuring maple cabinetry, granite countertops, and a large center island that provides plenty of workspace and a natural gathering place for family and friends. Triple sliding glass doors open to a large patio overlooking Lake James, creating a peaceful setting to enjoy morning coffee, entertain guests, or simply relax and take in the water views. The Lake James HOA provides lawn maintenance, Wi-Fi, and cable, allowing you to enjoy a convenient, low-maintenance lifestyle. Lakefront living, quality Ernie White construction, desirable community amenities, and the opportunity for a new roof prior to closing make this a home well worth seeing. Schedule your private showing and discover the lifestyle Lake James has to offer.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
Heading north on US Highway 98, take a left at Banana Rd. Turn left into Lake James on Lake James Blvd. At the traffic circle, take the first exit on Lake James Drive. Home will be the second home on the left.
Location
8281 LAKE JAMES DRIVE, LAKELAND, FL 33810
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$390,000
Loan Term
Nearby Schools
How to Buy This Home
Multiple financing options available for this $390,000 home in LAKELAND.
🏛️
FHA Loan
$13,650 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
$19,500 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: September 10, 2026.