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$274,000

428 FITZGERALD ROAD, LAKELAND, FL 33813

3D Tour
Active31 days on market

Beds

3

Baths

2

Sq Ft

1,311 sq ft

Year Built

1964

Lot Size

0.22 acres

Garage

—

About This Property

Welcome to this inviting three-bedroom, two-bath home, offering colorful curb appeal and thoughtful updates. The cheerful green-and-white exterior is surrounded by beautiful landscaping, while an attractive tiled walkway leads to the covered front entrance and stunning decorative-glass front door. Inside, wood-look flooring flows through the main living areas, while all three bedrooms feature comfortable carpeting. One bedroom is currently arranged as a bright home office with windows on two walls. The spacious front living room features a ceiling fan and an expansive multi-pane picture window overlooking the landscaped front yard, filling the room with natural light. The home also offers two full bathrooms, a dedicated indoor laundry room, and ample hallway storage. The bright kitchen features white cabinetry, beautiful quartz countertops, a contrasting navy subway-tile backsplash, updated appliances, and a large center island with seating. The island is finished with durable decorative backsplash paneling in place of traditional painted drywall, creating a polished and easy-to-maintain surface. A striking contemporary four-light pendant fixture with illuminated bubble-glass cylinders and polished chrome accents adds an elegant finishing touch above the island. French doors located just off the kitchen lead directly to the backyard. Numerous improvements provide added comfort and efficiency, including a new A/C and refrigerator in 2026, brand-new double-pane windows, a whole-house water filtration system, and a UV-light air filtration system for the A/C. The range and microwave were replaced in 2022, the dishwasher in 2018, and the roof is approximately eight and a half years old. Hot water heater will be replaced prior to closing. The backyard is shaded by beautiful mature oak trees and features both vinyl and chain-link fencing. Three storage sheds provide generous space for tools, lawn equipment, hobbies, and outdoor belongings. Conveniently located near the Polk Parkway, shopping, medical facilities, and the new Orlando Health hospital, the home also offers easy access to I-4. Centrally positioned between Tampa and Orlando, this property makes it easy to enjoy everything Central Florida has to offer.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #L4964825
StatusActive
Year Built1964
Total Rooms7
ConstructionBlock
RoofShingle
FoundationSlab
FacesSouth
SubdivisionNOT IN SUBDIVISION
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, Kitchen/Family Room Combo, Primary Bedroom Main Floor, Solid Surface Counters
FlooringCarpet
AppliancesDishwasher, Electric Water Heater, Microwave, Range, Refrigerator, Water Filtration System
LaundryLaundry Room
WindowsDouble Pane Windows, Drapes, Insulated Windows, Rods
CoolingCentral Air
HeatingCentral, Electric

Exterior & Lot

ExteriorFrench Doors
FencingChain Link, Vinyl
Lot Size0.22 acres (9,448 sq ft)
Road SurfacePaved
0

Utilities

WaterNone
SewerSeptic Tank
UtilitiesElectricity Connected, Public, Street Lights, Water Connected

Parking

GarageNo
CarportYes

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$274,000
Original Price$299,900
Annual Taxes$1,625 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningRC
Parcel #232912000000022410

Directions

From S. Florida Ave, Turn E onto Fitzgerald Rd. House will be on the L

Location

428 FITZGERALD ROAD, LAKELAND, FL 33813

Listing Information

OfficeUNITED COUNTRY SMITH & ASSOCIATES
ListedSeptember 5, 2026

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Home Price

$274,000

20% ($54,800)
6.75%

Loan Term

Principal & Interest$1,422
Property Tax (est.)$251
Insurance (est.)$150
Total Monthly$1,823
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How to Buy This Home

Multiple financing options available for this $274,000 home in LAKELAND.

🏛️

FHA Loan

$9,590 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

$13,700 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 3, 2026.

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