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$208,000

3608 VALLEY TRAIL, LAKELAND, FL 33810

3D Tour
Active13 days on market

Beds

5

Baths

2

Sq Ft

1,976 sq ft

Year Built

1999

Lot Size

0.87 acres

Garage

—

About This Property

5 BEDROOMS, 2 BATHS, NEARLY AN ACRE & NO HOA! If you’ve been looking for more space without giving up everyday convenience, this North Lakeland property delivers. Offering nearly 2,000 sq ft of living space on approximately 0.87 acres, the home features five bedrooms, 2.5 bathrooms and a flexible floor plan with room for a larger household, guests, a home office or multigenerational living. Outside, the expansive fenced property gives you plenty of room for pets, entertaining, gardening, recreational toys and more, plus a storage shed for added convenience. The home is ready for its next owner to bring their vision and personal touches, offering an opportunity to update it to their taste and build equity along the way. Enjoy the space and privacy of a large homesite while still being conveniently located near Publix, shopping, restaurants, Lakeland Square Mall, entertainment and the US-98 retail corridor, with access to I-4 for travel toward Tampa and Orlando. With 5 bedrooms, nearly 2,000 sq ft, approximately 0.87 acres and NO HOA or CDD, this property offers an incredible combination of space, location and potential. Schedule your private showing today!

Property Overview

Property TypeResidential
Sub TypeManufactured Home
MLS #TB8551741
StatusActive
Year Built1999
Total Rooms4
ConstructionOther
RoofShingle
FoundationCrawlspace
FacesNorth
SubdivisionVALLEY FARM
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Thermostat, Walk-In Closet(s)
FlooringCarpet, Vinyl
AppliancesRange, Range Hood, Refrigerator
LaundryLaundry Room
CoolingCentral Air
HeatingCentral, Electric
SecuritySmoke Detector(s)

Exterior & Lot

ExteriorSliding Doors
FencingFenced
Lot Size0.87 acres (38,050 sq ft)
Lot Dimensions304 x 124
Lot FeaturesIn County, Street Dead-End
Road SurfaceOther
0

Utilities

WaterPublic
SewerSeptic Tank
UtilitiesElectricity Connected

Parking

GarageNo

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$208,000
Original Price$209,000
Annual Taxes$2,928 (2025)
FinancingCash, Conventional, FHA, USDA Loan, VA Loan
ZoningR-1
Parcel #232728011017000040

Directions

Driving Directions: From I-4, take Exit 32 for US-98 N toward Lakeland. Head north on US-98 N, turn left onto W Socrum Loop Rd, then continue toward Kathleen Rd. Turn onto Deeson Rd, then onto Valley Trl. Continue to 3608 Valley Trl. Property will be on your route. Use GPS for most accurate directions.

Location

3608 VALLEY TRAIL, LAKELAND, FL 33810

Listing Information

OfficeDIVINE ESTATES REALTY LLC
ListedSeptember 25, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$208,000

20% ($41,600)
6.75%

Loan Term

Principal & Interest$1,079
Property Tax (est.)$191
Insurance (est.)$150
Total Monthly$1,420
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How to Buy This Home

Multiple financing options available for this $208,000 home in LAKELAND.

🏛️

FHA Loan

$7,280 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

$10,400 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 8, 2026.

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