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$424,900

5309 ST LUCIA DRIVE, LAKELAND, FL 33812

3D Tour
Active65 days on market

Beds

4

Baths

3

Sq Ft

2,950 sq ft

Year Built

1989

Lot Size

0.24 acres

Garage

2

About This Property

Virtually Staged. Nearly 3,000 square feet of comfortable living space, two primary suites, and an impressive list of updates make this Island Walk home one you won't want to miss! This spacious 4-bedroom, 3-bathroom, two-story block home offers a versatile triple-split floor plan designed to accommodate a variety of lifestyles.Step inside to discover formal living and dining rooms, an expansive family room, and a bright, open kitchen with a generous breakfast dining area featuring a charming wood-burning fireplace—the perfect spot to enjoy morning coffee or gather with family and friends. The thoughtful layout creates inviting spaces for both everyday living and entertaining.One of the home's standout features is its two primary bedroom suites. The first-floor primary suite offers convenience along with an updated en-suite shower (2025). Upstairs, the second oversized primary suite provides a private retreat complete with a large walk-in closet, spacious bathroom, and access to a private balcony featuring low-maintenance composite decking.The spacious family room opens directly to the screened patio, creating a seamless transition between indoor and outdoor living. The backyard offers convenient rear access from Tillery Road—ideal for additional parking, recreational equipment, or easy backyard access. With plenty of room to add a pool, the possibilities continue outdoors.Major updates provide peace of mind, including three new HVAC systems (2023), new vinyl siding (2026), new septic leach field (2023), new garage door (2023), updated composite balcony decking (2022), interior and exterior paint (2019), 200-amp electrical service, a metal roof approximately 11–12 years old, and a 2020 refrigerator.Located in Flood Zone X and just moments from Banana Lake Park, the location adds even more appeal. Residents enjoy quick access to boating, fishing, walking trails, playgrounds, picnic areas, and open green spaces. Lakeland's shopping, dining, and daily conveniences are only minutes away, making everyday living both easy and enjoyable. This bright and charming property offers comfort, flexibility, and a relaxed Florida lifestyle all in one. Schedule your private showing and see why this Lakeland gem stands out.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8526032
StatusActive
Year Built1989
Stories1
Total Rooms13
ConstructionBlock
RoofMetal
FoundationSlab
FacesEast
SubdivisionISLAND WALK
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Primary Bedroom Main Floor, PrimaryBedroom Upstairs, Split Bedroom, Walk-In Closet(s)
FlooringLaminate, Tile
AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Washer
LaundryInside, Laundry Room
CoolingCentral Air
HeatingCentral
FireplaceYes ()

Exterior & Lot

ExteriorRain Gutters, Sliding Doors
FencingChain Link
Lot Size0.24 acres (10,306 sq ft)
Lot Dimensions65 x 158
Lot FeaturesCleared
Road SurfaceAsphalt
0

Utilities

WaterPublic
SewerSeptic Tank
UtilitiesCable Available, Electricity Connected, Phone Available, Public, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$217 / Annually
Senior CommunityNo

Financial Details

List Price$424,900
Original Price$464,900
Annual Taxes$802 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningPD
Parcel #242910280551031380

Schools

ElementaryHighland Grove Elem
MiddleLakeland Highlands Middl
HighGeorge Jenkins High

Directions

Traveling on HWY 98, turn West on Clubhouse Rd, turn North Andros Blvd, turn Left on ST. Lucia Dr, the home is on the Left.

Location

5309 ST LUCIA DRIVE, LAKELAND, FL 33812

Listing Information

OfficeDALTON WADE INC
ListedJuly 7, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$424,900

20% ($84,980)
6.75%

Loan Term

Principal & Interest$2,205
Property Tax (est.)$389
Insurance (est.)$150
Total Monthly$2,744
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $424,900 home in LAKELAND.

🏛️

FHA Loan

$14,872 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

$21,245 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: September 10, 2026.

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