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$438,000

3415 STONEWAY DRIVE, LAKELAND, FL 33812

3D Tour
Active18 days on market

Beds

4

Baths

3

Sq Ft

2,326 sq ft

Year Built

2005

Lot Size

0.28 acres

Garage

2

About This Property

Welcome to 3415 Stoneway Dr in Lakeland, Florida! This spacious 4 bedroom, 3 bathroom home sits on an oversized corner lot and offers the space, layout, and updates today’s buyers are looking for. The triple split floor plan provides flexibility and privacy, with multiple living areas including an additional office and formal dining room. One of the standout features is the large backyard with double gate access, providing plenty of room to park a boat, camper, trailer, or other recreational vehicles. There is also ample space to create your own backyard oasis with room for a pool. Enjoy Florida outdoor living under the covered patio while taking advantage of the generous yard space. Inside, LVP flooring runs throughout the main living areas and bedrooms for a clean, cohesive look and easy maintenance. Major updates include a new roof completed in September 2026, HVAC replaced in 2021, and water heater replaced in 2025, offering valuable peace of mind for the next homeowner. Located in Lakeland, this home combines a functional layout with a hard to find oversized lot, corner location, recreational vehicle access, and plenty of outdoor potential. If you have been searching for a Lakeland home with a large lot, 4 bedrooms, 3 bathrooms, a triple split floor plan, pool potential, and room for your boat or camper, this one deserves a closer look! Schedule your private showing today to see everything this home has to offer. **Click on the virtual tour button for a Matterport 360 degree immersive walkthrough tour of the home. Just like a 24/7 open house!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #L4965174
StatusActive
Year Built2005
Total Rooms9
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesSouth
SubdivisionCLUBHOUSE HERITAGE PH 02
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Split Bedroom, Stone Counters, Thermostat, Walk-In Closet(s)
FlooringCeramic Tile, Luxury Vinyl, Vinyl
AppliancesDishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator
LaundryElectric Dryer Hookup, Inside, Laundry Room, Washer Hookup
WindowsBlinds
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorRain Gutters, Sliding Doors
FencingVinyl
Lot Size0.28 acres (12,219 sq ft)
Lot Dimensions99 x 115
Lot FeaturesCorner Lot, Landscaped, Level, Unincorporated
Road SurfacePaved
0

Utilities

WaterPublic
SewerSeptic Tank
UtilitiesElectricity Connected, Public, Underground Utilities

Parking

GarageYes (2 spaces)
CarportYes

HOA & Community

HOAYes
HOA Fee$100 / Annually
Senior CommunityNo

Financial Details

List Price$438,000
Annual Taxes$3,481 (2026)
FinancingCash, Conventional, FHA, USDA Loan, VA Loan
ZoningRES
Parcel #242910280563000350

Schools

ElementaryHighland City Elem
MiddleBartow Middle
HighGeorge Jenkins High

Directions

From Downtown Lakeland, take E Lime St east to US-98 S/Bartow Rd. South on US-98, right on Colbert Rd, right on Clubhouse Rd, right on Banana Lake Rd, right on Stoneway Dr to 3415 Stoneway Dr.

Location

3415 STONEWAY DRIVE, LAKELAND, FL 33812

Listing Information

OfficeLAKELAND HOMETOWN PROPERTIES
ListedSeptember 18, 2026

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Preferred Time

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Home Price

$438,000

20% ($87,600)
6.75%

Loan Term

Principal & Interest$2,273
Property Tax (est.)$402
Insurance (est.)$150
Total Monthly$2,824
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $438,000 home in LAKELAND.

🏛️

FHA Loan

$15,330 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

$21,900 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: October 4, 2026.

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