$429,900
2309 LAKE JAMES WAY, LAKELAND, FL 33810
Beds
2
Baths
2
Sq Ft
1,931 sq ft
Year Built
2006
Lot Size
0.17 acres
Garage
2
About This Property
Enjoy waterfront living at Lake James in this beautifully maintained and extensively updated home! The property features new double-pane Window World windows, a new Integrity roof, new blinds and shades throughout, new gutters, a new storm door, and a new roll-up garage screen. The interior and exterior were freshly painted in 2023, along with new carpet in the living room, bedrooms, and den. The kitchen has been beautifully upgraded with quartz countertops, new wood cabinetry, backsplash, a new kitchen sink and faucets, custom pantry shelving, custom framework around the kitchen bar, and LG refrigerator, microwave, and dishwasher—all completed in 2023. Both bathrooms received quartz countertops, new sinks and faucets, comfort-height toilets, and updated light fixtures. Additional improvements include a whole-house water filtration system (2021), epoxy-coated garage floor, driveway, and sidewalk (2022), new A/C units (2022), garage utility sink (2023), new hot water heater (2025), and an electronic patio awning with dimmable lighting (2025). With extensive updates already completed and a beautiful waterfront setting, this Lake James home offers the perfect combination of comfort, convenience, and Florida living!
Property Overview
Interior Features
Exterior & Lot
Waterfront
Utilities
Parking
HOA & Community
Financial Details
Directions
US-98 to Banana Rd, to left into Lake James
Location
2309 LAKE JAMES WAY, LAKELAND, FL 33810
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$429,900
Loan Term
How to Buy This Home
Multiple financing options available for this $429,900 home in LAKELAND.
🏛️
FHA Loan
$15,047 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
$21,495 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 19, 2026.