Active
$195,000
Est. $1,382/mo

3231 Bear Creek Ln, Lakeland, FL, 33810

$139/sqft·Highland Fairways Ph 01

2 bd1 ba1,400 sqftSingle Family
Listed by KELLER WILLIAMS REALTY· Last updated · MLS# L4964076

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Est. monthly payment
$1,382/mo
Down payment (20%)
$39,000
Property taxes
$28/mo
HOA
$239.5/mo
Rate assumed
6.8% · 30 yr
View full breakdown

At a glance

Single family
Built 1988
Community pool
Shared amenity
5,271 sqft lot
Lot size
1,400 sqft
Living area

About this home

Ceiling Fans(s)Eat-in KitchenLiving Room/Dining Room ComboWalk-in Closet(s)ClubhouseCommunity MailboxGated Community - No GuardGolf Carts OK

3231 Bear Creek Ln is a 1988-built home in Highland Fairways Ph 01, Lakeland. Inside you'll find 2 bedrooms, 1 bathrooms, and 1,400 square feet of living space. Listed at $195,000 (about $139/sqft), 9 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $239.5 monthly.

From the listing

Life at Highland Fairways, a 55+ golf community, runs on the golf course, the pool, and a clubhouse calendar that stays full. This home is the low-maintenance way to live it, with less time on upkeep and more on the things you came for. A bonus room adds flex space beyond the main living area, ready as an office, hobby room, or your morning-coffee spot. The HOA covers lawn care, cable, and high-speed internet, so the outside stays handled. Gated and golf-cart-friendly, the community centers on an 18-hole executive golf course, with a heated pool and spa, tennis and pickleball, a fitness center, and year-round events from dances and dinners to bocce, shuffleboard, and cards. Minutes to shopping off US-98 and quick to I-4, about midway between Tampa and Orlando. Roof- About 2 years old | HVAC- 2018| Water Heater- 2006. Come walk it in person!

The essentials

Built
1988
Price / sqft
$139
On market
24 days
Annual tax
$340
HOA
$239.5/mo
Flood zone
X · Low risk
Lot
5,271 sqft
Type
Single Family Residence

Location

3231 Bear Creek Ln
Lakeland, FL, 33810·33810 - Lakeland
Type
Single Family Residence
Year Built
1988
Lot
5,271 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Off Street
Days on Market
24
Ceiling Fans(s)
Eat-in Kitchen
Living Room/Dining Room Combo
Walk-in Closet(s)
Clubhouse
Community Mailbox
Gated Community - No Guard
Golf Carts OK
Golf
Pool
Sidewalks
Tennis Court(s)
Dishwasher
Range
Refrigerator
Homestead exemption on fileFlood Zone X

Annual Tax (2025)

$340

Parcel #

23-28-03-021511-001330

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Highland Fairways Ph 01

County

Polk

MLS Area

33810 - Lakeland

Lot Size

5,271 sqft

ClearedNear Golf CourseSidewalkPaved
HOA
$239.5/mo
Shannon Berry
Date
Event
Price
8/28/2026
Price change
Source: Stellar MLS #L4964076
$195,000-2.5%
$139/sqft
8/21/2026
Listed for sale
Source: Stellar MLS #L4964076
$199,900
$143/sqft
Est. monthly payment$1,382/mo
Principal & interest$1,017
Property taxes$28
Insurance$98
HOA$240
Down payment20% · $39,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

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List price: $195,000
$195,000
99.5% – 100% of listTops out right at the list price
80% of listList price
144 of the last 235 home closings in 33810 landed at this number or higher (61%). The median one sat 25 days before it went under contract, and this one is on day 24 after a $4,900 cut.

Sample: 235 closed home sales in 33810 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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