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$699,000

8515 TOM COSTINE ROAD, LAKELAND, FL 33809

3D Tour
Active5 days on market

Beds

4

Baths

2

Sq Ft

2,271 sq ft

Year Built

2006

Lot Size

5.03 acres

Garage

2

About This Property

Five acres changes the way you live. There’s more room between you and the rest of the world, more reasons to spend the day outside, and a little more freedom to enjoy home on your own terms. Set on 5.03 acres with a private pond stocked with fish, a screened pool, and a spacious covered lanai, this property brings together the space of acreage living with the comfort of a home made for everyday life. Inside, the 4-bedroom, 2-bath layout includes a dedicated office, with high ceilings and an open design giving the main living areas a bright, airy feel. The kitchen is made for gathering, with rich wood cabinetry, stone countertops, stainless appliances, a large peninsula with seating, and a walk-in pantry. It opens naturally to the dining and living areas, so conversation can keep going whether you’re cooking dinner, pouring drinks, or settling in for the evening. The split-bedroom layout gives the primary suite a sense of separation, complete with a spacious walk-in closet and ensuite bath featuring dual vanities, a garden tub, and separate shower. On the other side of the home, the secondary bedrooms provide flexibility for guests, hobbies, or whatever fits your day-to-day life, while the separate office gives you a place to focus when you need it. Outside is where this property really starts to show off. The screened pool and covered lanai create an easy extension of the living space, ready for afternoon swims, weekend cookouts, or long evenings outside. Beyond the pool, 5.03 acres stretch out around you, with fencing, open views, and a pond that gives the property its own sense of place. Grab a fishing rod, take a walk around the grounds, or simply enjoy having this much space right outside your door. Several important updates have already been completed, including a roof approximately four years old, water heater approximately four years old, water softener approximately two years old, and a new well pump. There is also a generator outlet, attached two-car garage, interior laundry room with cabinetry, and a gated approach. You’re close enough to North Lakeland conveniences when you need them, but once you’re back home, five acres, a pond, a pool, and plenty of breathing room make it easy to leave the busy day behind.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #L4965481
StatusActive
Year Built2006
Stories1
Total Rooms14
ConstructionStucco
RoofShingle
FoundationBlock
FacesNorth
SubdivisionBIG BEN ACRES
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, High Ceilings, Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Split Bedroom, Thermostat, Walk-In Closet(s)
FlooringTile
AppliancesDishwasher, Dryer, Electric Water Heater, Microwave, Range, Range Hood, Refrigerator, Washer, Water Softener
LaundryInside
WindowsBlinds, Insulated Windows, Rods
CoolingCentral Air
HeatingCentral, Electric
SecuritySecurity Gate

Exterior & Lot

ExteriorFrench Doors, Rain Gutters
FencingFenced, Wire
Lot Size5.03 acres (219,142 sq ft)
Lot FeaturesCleared, Greenbelt, Landscaped
Road SurfaceAsphalt

Pool & Spa

Private PoolYes
Pool FeaturesFiberglass, In Ground, Salt Water, Screen Enclosure

Utilities

WaterWell
SewerSeptic Tank
UtilitiesFiber Optics

Parking

GarageYes (2 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$699,000
Annual Taxes$4,115 (2025)
FinancingCash, Conventional, FHA, USDA Loan, VA Loan
Parcel #242707000000013030

Schools

ElementaryPadgett Elem
MiddleLake Gibson Middle/Junio
HighLake Gibson High

Directions

I4 E TOWARD ORLANDO. EXIT 32 TO US -98 N. RIGHT ON W. SOCRUM LOOP. LEFT ON ED PADGETT ROAD. LEFT ON TOM COSTINE ROAD HOME ON RIGHT.

Location

8515 TOM COSTINE ROAD, LAKELAND, FL 33809

Listing Information

OfficeEXP REALTY LLC
ListedOctober 2, 2026

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Home Price

$699,000

20% ($139,800)
6.75%

Loan Term

Principal & Interest$3,627
Property Tax (est.)$641
Insurance (est.)$150
Total Monthly$4,418
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $699,000 home in LAKELAND.

🏛️

FHA Loan

$24,465 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

$34,950 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 7, 2026.

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