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$264,900

490 LINDSEY DR, LAKELAND, FL 33809

3D Tour
Active49 days on market

Beds

3

Baths

2

Sq Ft

1,566 sq ft

Year Built

2000

Lot Size

0.26 acres

Garage

—

About This Property

SELLER NOW ACCEPTING FHA AND VA BUYERS!! BEAUTIFUL 3 Bedroom, 2 Bathroom home in North Lakeland with a PRIVATE, IN-GROUND POOL!! Lots of space to entertain family and friends inside and outside with a large screened-in pool area as well as a fenced back yard!! You'll love the open floor plan, split bedroom plan, lots of natural light and the spacious corner lot that's a bit more than a 1/4 acre!! A HUGE 25X11 SHED for additional storage or possibly an additional place to entertain after swimming! Tinted windows, new roof 2020, new pool screen 2024, new fence 2021, new water heater 2020 and more!! It's all ready for a new owner! Come and see this rare opportunity to own a home that's conveniently located just off 98 North in North Lakeland.

Property Overview

Property TypeResidential
Sub TypeManufactured Home
MLS #P4939623
StatusActive
Year Built2000
Total Rooms9
ConstructionVinyl Siding
RoofShingle
FoundationCrawlspace
FacesNorth
SubdivisionWILDER TRACE PH 01
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), High Ceilings, Open Floorplan, Split Bedroom, Thermostat, Walk-In Closet(s)
FlooringLaminate, Vinyl
AppliancesDishwasher, Range, Refrigerator
LaundryInside, Laundry Room
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorPrivate Yard, Rain Gutters, Storage
FencingVinyl
Other StructuresShed(s)
Lot Size0.26 acres (11,439 sq ft)
Lot FeaturesCorner Lot, Landscaped, Level
Road SurfacePaved

Pool & Spa

Private PoolYes
Pool FeaturesChild Safety Fence, Gunite, In Ground, Screen Enclosure

Utilities

WaterPublic
SewerSeptic Tank
UtilitiesElectricity Connected, Water Connected

Parking

GarageNo
CarportYes

HOA & Community

HOAYes
HOA Fee$195 / Annually
Senior CommunityNo

Financial Details

List Price$264,900
Original Price$265,000
Annual Taxes$2,430 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningRES
Parcel #232712000891004550

Schools

ElementaryCaldwell Elem
MiddleLake Gibson Middle/Junio
HighLake Gibson High

Directions

Take 98 North, right on Wilder Rd, left on Chance Dr, left on Lindsey Dr, house is on the right, corner lot.

Location

490 LINDSEY DR, LAKELAND, FL 33809

Listing Information

OfficeFLORIDA REALTY MARKETPLACE
ListedAugust 18, 2026

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Home Price

$264,900

20% ($52,980)
6.75%

Loan Term

Principal & Interest$1,375
Property Tax (est.)$243
Insurance (est.)$150
Total Monthly$1,767
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $264,900 home in LAKELAND.

🏛️

FHA Loan

$9,272 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

$13,245 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 5, 2026.

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