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$363,900

4915 WHITEOAK DRIVE E, LAKELAND, FL 33813

Active58 days on market

Beds

Baths

Sq Ft

1,960 sq ft

Year Built

1970

Lot Size

0.33 acres

Garage

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About This Property

Recently renovated—move-in ready! This stunning 3-bedroom, 2 1/2 bath home with a 2-car garage offers just under 2,000 sq ft of heated living space, thoughtfully updated with modern finishes throughout. Nestled on a generous one-third acre lot, the property provides abundant space and privacy. The spacious, open layout is ideal for both everyday living and entertaining. Enjoy outdoor living on the rear deck, perfect for relaxing or hosting guests. Best of all, enjoy the freedom of no HOA and no CDD fees. Additional updates: Roof 9/2025, A/C 12/2025. BACK ON THE MARKET DUE TO BUYERS FINANCING

Property Overview

Property TypeResidential

Sub TypeSingle Family Residence

MLS #TB8470421

StatusActive

Year Built1970

Total Rooms5

ConstructionConcrete

RoofShingle

FoundationCrawlspace

FacesEast

SubdivisionGILMORE & STOCKARDS RESUB

CountyPolk

OwnershipFee Simple

Interior Features

InteriorKitchen/Family Room Combo, Open Floorplan

FlooringLuxury Vinyl

AppliancesDishwasher, Microwave, Range, Refrigerator

LaundryIn Garage

CoolingCentral Air

HeatingCentral

Exterior & Lot

ExteriorSliding Doors

Lot Size0.33 acres (14,553 sq ft)

Road SurfacePaved

Utilities

WaterPublic

SewerSeptic Tank

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOANo

Senior CommunityNo

Financial Details

List Price$363,900

Original Price$379,915

Annual Taxes$4,098 (2025)

FinancingCash, Conventional, FHA, VA Loan

ZoningR-2

Parcel #232912000000032310

Directions

Heading N on Florida Ave, Turn left onto S Lakeland Drive, another left on W Pipkin Rd, Right on Whiteoak Dr E, Home will be on the left hand side.

Location

4915 WHITEOAK DRIVE E, LAKELAND, FL 33813

Listing Information

OfficeRE/MAX COLLECTIVE

ListedFebruary 2, 2026

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Home Price

$363,900

Down Payment20% ($72,780)

Interest Rate6.75%

Loan Term

Principal & Interest$1,888

Property Tax (est.)$334

Insurance (est.)$150

Total Monthly$2,372

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How to Buy This Home

Multiple financing options available for this $363,900 home in LAKELAND.

🏛️

FHA Loan

$12,737 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

$18,195 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.

Full Calculator →First-Time Buyer Guide →VA Loan Guide →

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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: July 10, 2026.