$249,900
638 W 7TH STREET, LAKELAND, FL 33805
Beds
3
Baths
2
Sq Ft
1,376 sq ft
Year Built
2026
Lot Size
0.10 acres
Garage
—
About This Property
NEW 2026 CONSTRUCTION! MOVE-IN READY! NO HOA! This stunning 3-bedroom, 2-bathroom single-family home at 638 W 7th Street, Lakeland offers 1,376 square feet of thoughtfully designed living space and 1,876 total square feet under roof, featuring a modern open floorplan, quality craftsmanship, and contemporary finishes throughout. Situated on a centrally located lot within Lakeland city limits in Flood Zone X, this home provides the perfect combination of convenience, functionality, and low-maintenance living. Built with durable concrete and wood-frame construction and connected to public water and public sewer, this home is designed for today's lifestyle. Enjoy luxury vinyl flooring, soaring ceilings, solid wood cabinetry, stone countertops, walk-in closets, ceiling fans, and an open kitchen overlooking the main living area. The spacious covered front porch and oversized 2-car attached carport provide additional outdoor living and ample parking. No HOA means the freedom to enjoy your property without restrictive association rules or fees. Conveniently located just minutes from downtown Lakeland, Bonnet Springs Park, Lake Mirror, shopping, dining, schools, medical facilities, and I-4, offering easy commutes to both Tampa and Orlando. This is an excellent opportunity to secure a brand-new home at an affordable price. Seller financing and private financing available. Do NOT wait, it will not last long!
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Schools
Directions
Head toward N Walker Ave. Turn left onto N Lincoln Ave. Turn right onto W 7th St. Destination will be on the right.
Location
638 W 7TH STREET, LAKELAND, FL 33805
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$249,900
Loan Term
Nearby Schools
How to Buy This Home
Multiple financing options available for this $249,900 home in LAKELAND.
🏛️
FHA Loan
$8,747 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
$12,495 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 22, 2026.