Homes For Sale in Lakeland FL Under $900K

Homes For Sale in Lakeland FL Under $900K

Top Homes for Sale in Lakeland FL Under 900K

Embarking on the journey of finding your dream home can be both exciting and challenging, especially when you’re seeking that perfect balance of affordability and quality. If you’ve set your sights on Lakeland, Florida, you’re in luck!

Homes For Sale in Lakeland FL

This charming city offers a diverse range of homes for sale in Lakeland FL under 900k that are not only affordable but also situated in welcoming neighborhoods.

Key $900,000 Takeaways

  • Lakeland, FL offers affordable housing options under $900K, with a variety of properties including single and multi-family homes across neighborhoods like North, South, and Central Lakeland, providing access to amenities and recent developments.

  • Prospective homebuyers in Lakeland can consider resale homes and new constructions, each offering unique benefits and drawbacks, and they should pay attention to home features such as family rooms, dining rooms, and outdoor living spaces that enhance property value.

  • When looking for homes in Lakeland, buyers should consider using online tools, working with a local realtor, timing the market wisely, exploring financing and down payment assistance programs, and assessing proximity to top-rated schools and recreational amenities.

Finding Affordable Homes in Lakeland FL

Helping Purchase Homes for sale in Lakeland FL under 900KLakeland, FL, is a city that seamlessly combines the charm of a small town with the conveniences of a larger metropolis. Best known for its lush landscapes, this city is also renowned for its affordability when it comes to housing. Whether you’re searching for a single-family home or a multi-family house in Lakeland FL 33813.

Lakeland offers a plethora of options that cater to diverse tastes and budgets. If you need professional assistance in finding the perfect house, consider reaching out to Dr Lakeland FL, a local expert in the real estate market, who can guide you through the sale Lakeland process.

Lakeland, FL homes average around $300,000, offering a broad selection for homebuyers looking for affordability. The price range here provides ample flexibility, allowing you to find a property that aligns with your needs and preferences without overstretching your budget.

Top Neighborhoods with Homes Under 900K

Featuring a host of unique neighborhoods, Lakeland presents a variety of living experiences. The city’s median home price aligns at $316,490, with median listing prices standing around $348.7K – contingent on the zip codes. This creates a vast array of affordable options for potential buyers, particularly those looking for properties under 900K.

The top neighborhoods in Lakeland include North Lakeland, South Lakeland, and Central Lakeland, each boasting a diverse selection of residences including single-family homes, townhouses, and condos. Further sweetening the deal, these areas also offer a variety of amenities and are home to several recent developments offering properties under 900K.

Single Family Homes vs. Multi-Family Homes

In your Lakeland property search, one decision you’ll encounter is the choice between single-family homes and multi-family residences. Single-family homes in the city are known for their spaciousness, privacy, and potential for investment, among other benefits. However, these types of homes may be situated farther from downtown, which could be a potential drawback for some buyers.

On the other hand, multi-family residences in Lakeland have their own set of advantages, including the potential for rental income and a lively cultural environment. But they also come with their own set of challenges, including increased expenses and management difficulties.

New Construction vs. Resale Homes

Your Lakeland house hunt will also present the choice between new constructions and resale properties. New constructions come with numerous benefits such as quality craftsmanship, enhanced energy efficiency, and reduced need for repairs. However, there may be potential drawbacks, including environmental considerations and higher costs related to energy-efficient features.

Resale homes, on the other hand, come with their own set of advantages, including mature and desirable locations, reasonable pricing, and customization options. Yet, these homes may require increased maintenance and often come with less storage space. One of the benefits of resale homes is the potential for home sale proceeds when it’s time to move on. If you’re looking for a sale in the homes for sale market, consider the advantages and disadvantages of resale homes before making a decision.

Home Features to Consider in Your Search

Family room and dining room in a homeThe features of a home significantly influence its suitability as you search for your dream house in Lakeland. Key areas of interest often include family rooms, dining rooms, and outdoor living spaces, each playing a unique role in the overall appeal of the home.

Family Room and Dining Room Essentials

A well-designed family room serves as the heart of a home, fostering interaction and creating a pleasant living ambiance. Hence, in your Lakeland property considerations, prioritize properties with open concept family rooms for improved family interaction and lifestyle.

Similarly, the dining room is another crucial area to consider. It’s where family and friends gather to share meals, making it one of the most-used spaces in a home. In a Lakeland home, the dining room should be designed to provide:

  • Comfort

  • Functionality

  • Suitable furniture

  • Proper lighting

These elements play a key role in setting the overall mood and ambiance.

Outdoor Living Spaces

Outdoor living spaces add an extra touch of luxury to any home. Such spaces can boost a Lakeland property’s value significantly, potentially adding 10% to 15% to the total property worth.

Commonly desired features in outdoor living spaces in Lakeland homes include patios, gazebos, and outdoor kitchens. When considering a home in Lakeland, it’s worth exploring the possibility of these features, as they offer an extended living area while also providing a space for relaxation and enjoyment.

Tips for Finding a Great Deal on Lakeland Homes

Securing a fantastic deal on a Lakeland home goes beyond scanning listings. Enhancing this process involves market timing, collaboration with a local realtor, and leveraging online tools and platforms.

Working with a Local Realtor

Engaging a local realtor, such as Wendy Morris Realty, can significantly influence your success in securing an excellent deal on a Lakeland home. A local realtor brings a wealth of knowledge about the local market, top neighborhoods, and schools, which can greatly enhance your home buying experience.

Lakeland FL Realtor

Moreover, local realtors, such as Wendy Morris Realty, have connections with local, state, and national political and governmental entities, which can advocate for the welfare of their clients and property owners. With their expertise and connections, they can help you navigate the Lakeland real estate market and pinpoint promising investment properties.

Using Online Tools and Websites

The advent of the digital age has made online tools and platforms integral to the home search process, including finding a non commercial home for sale. They offer current listings, comprehensive property details, and imagery that assist potential buyers in evaluating and contrasting various homes, all with information deemed reliable.

Online tools and resources also allow you to filter your search results, view details about the property, and even take a virtual tour of the property without leaving your home. With these tools at your disposal, finding a home that matches your criteria in Lakeland becomes a much more streamlined and efficient process.

Timing the Market

Market timing can be an effective strategy in scoring a fantastic deal on a Lakeland property. The optimal time to procure a residence in Lakeland at a favorable price is between September and December, when competition diminishes, and sellers exhibit higher motivation.

It’s also crucial to pay attention to current market conditions and trends, including the average days properties spend on the market, and the average house price, which currently stands at $300K in Lakeland. By keeping an eye on these indicators, you can strategically time your purchase to get the best deal possible.

Financing Options for Lakeland Homes Under 900K

Mortgage loan programs for homebuyersEstablishing financing for your Lakeland home forms a crucial aspect of the home buying journey. Luckily, there are various financing options available for homes under 900K in Lakeland, including mortgage loan programs and down payment assistance.

Mortgage Loan Programs

Prospective homebuyers in Lakeland can choose from various mortgage loan programs. Some of the options include the Welcome Home Loan and the HomeReady® Mortgage, which offer low down payment options, making homeownership more accessible.

For those who qualify, government-backed home loan options like Federal Housing Administration (FHA) loans and USDA rural housing loans offer minimal to no down payment. For example, FHA loans require a minimum credit score of 580 and a down payment as low as 3.5%.

Down Payment Assistance

Several down payment assistance programs are available in Lakeland for those who might need help with the initial payment. The Housing Finance Authority of Polk County provides up to $7,500 in down payment and closing cost assistance for first-time home buyers.

However, it’s important to note that there are certain eligibility requirements that need to be met to qualify for down payment assistance. These typically include meeting specific income criteria and completing a HUD-approved homebuyer education class.

Schools and Amenities Near Lakeland Homes

Top-rated schools in Lakeland FLIn your Lakeland home considerations, the home’s location and surrounding amenities matter significantly. The proximity to schools and amenities largely contributes to a home’s appeal, particularly for families with children.

Top-Rated Schools

The quality of local schools frequently ranks high on the list of priorities for families with school-aged children. Lakeland is home to several highly-rated schools, including Polk State College Collegiate High School, McKeel Academy of Technology, and George W. Jenkins Senior High School, among others.

These schools are recognized for their high academic standards and commitment to student success. Whether you’re looking for a public, private, or a specialized school, Lakeland offers a plethora of options to meet your child’s educational needs.

Parks and Recreation

Valuing outdoor recreation, Lakeland, Florida, offers its residents a plethora of parks and recreational areas. From Circle B Bar Reserve to Hollis Garden, each park offers unique landscapes and recreational opportunities.

Furthermore, these parks come equipped with various amenities to cater to different interests. Whether you’re a sports enthusiast looking for:

  • pickleball courts

  • basketball courts

  • soccer fields

  • tennis courts

Or a pet owner in search of dog-friendly parks, Lakeland has got you covered.


In conclusion, finding your dream home in Lakeland, FL, under 900K is an attainable goal, thanks to the city’s affordable real estate market, diverse range of homes, and abundant amenities. Whether you’re a first-time homebuyer or an experienced investor, Lakeland offers a wealth of opportunities to find a home that fits your budget and lifestyle. So why wait? Start your home search today and make your dream of owning a home in Lakeland a reality!

Frequently Asked Questions

What is the best place to live in Lakeland?

The top neighborhoods in Lakeland, FL are great places to live for families. Consider exploring these areas for a suitable living environment.

Is Lakeland Florida affordable to live?

Yes, Lakeland, Florida is very affordable to live in, with a cost of living 13% lower than the national average and 17% lower than the state's average, and a median home price of just $299,281.

Is Lakeland Florida a good investment?

Investing in real estate in Lakeland FL can provide a solid opportunity for growth. The median list price has been experiencing an upward trend. It's relatively affordable, with an average list price of $360,000.

Is Lakeland Florida a good place to retire?

Yes, Lakeland, Florida is a good place to retire, offering better weather, affordable access to recreational opportunities, and cultural attractions.

What types of residences are available in Lakeland, FL?

In Lakeland, FL, you can find single-family homes, condos, townhomes, and multi-family houses, offering a wide range of options for residence.

All listing information is deemed reliable but not guaranteed and should be independently verified through personal inspection by appropriate professionals. Listings displayed on this website may be subject to prior sale or removal from sale; availability of any listing should always be independent verified. Listing information is provided for consumer personal, non-commercial use, solely to identify potential properties for potential purchase; all other use is strictly prohibited and may violate relevant federal and state law. The source of the listing data is as follows: Stellar MLS (updated 3/1/24 11:59 PM) |

Listing Search

Translate Tool

Featured Listings
Auburndale Real Estate
LAKEFRONT/POOL HOME offering 4 Bedrooms and 3 Baths. Two master bedrooms, two guest bedrooms, three baths including on... Read More
Auburndale Real Estate
Former Model Home! Pride in ownership shows throughout this spacious 4 bedroom, 3 bath, Cassidy built home, that is ... Read More
Auburndale Real Estate
If you have ever dreamed of the farm life, a slice of Southern heaven awaits you! Don't miss this rare opportunity to o... Read More
Auburndale Real Estate
Preferred location . Centered between Orlando and Tampa and only about an hour from beaches, and other attractions. Ton... Read More
Auburndale Real Estate
4.5 BATH
Discover unparalleled luxury in this exquisite 5-bedroom, 4.5-bathroom residence nestled within the gated community of ... Read More
Auburndale Real Estate
Here is a truly extraordinary retreat that blends charm, and a feel of Montana, with the allure of a Polynesian-style ... Read More
Auburndale Real Estate
Beautiful 10.15 acres of land with mature trees. Close to town but still has all the feelings of country life. Owner was... Read More
Auburndale Real Estate
You Won’t Believe Your Eyes! Step into luxury as you enter this meticulously maintained 4-bed, 3-bath haven that stands... Read More
Auburndale Real Estate
***Huge Price Adjustment! *** BRAND NEW ROOF***Newly Resurfaced Garage Floor*** This can be an easy assumable mortgage w... Read More
Bartow Real Estate
4.5 BATH
Welcome to luxury living at its finest! This stunning 4-bedroom, 4 1/2-bathroom Hulbert custom-built home is a masterpi... Read More
Contact Wendy Morris


Wendy Morris LLC
DBA Wendy Morris Realty
Licensed in the State of Florida
BK 3146762
16797 Broadwater Avenue
Winter Garden, Florida 34787

Your privacy is our utmost concern. We will never sell your personal information. Privacy Policy
©2024 lakelandluxuryhomes.com - all rights reserved. | Site Map