640 ORANGE VALLEY CIRCLE, LAKELAND, FL, 33813
Active1 days on marketListed Aug 5, 2026MLS #TB8531270
Come see it
Upcoming open house
Sun, Aug 9
1:00 PM – 4:00 PM
About this home
640 ORANGE VALLEY CIRCLE
Move-In Ready on Nearly Half an Acre with no HOA If you've been looking for a home where all the hard work has already been done, this is it. This beautifully renovated 3-bedroom, 2-bath home offers the perfect combination of modern finishes and everyday comfort. Step inside to an open, floor plan featuring luxury tile flooring throughout, fresh neutral finishes, recessed lighting, and a stunning electric fireplace with shiplap accent wall that creates an inviting focal point in the living room. The spacious kitchen is designed for both cooking and entertaining with granite countertops, white shaker cabinets, stainless steel appliances, a large breakfast bar, designer lighting, and a striking herringbone tile backsplash. The primary suite offers a beautifully updated bathroom with a walk-in tiled shower, granite vanity, and contemporary fixtures. Two additional large bedrooms provide flexibility for family, guests, or a home office. Major updates include New windows, Complete interior remodel, Updated kitchen and bathrooms, New flooring throughout, Modern lighting and finishes Outside, you'll enjoy a generous .49-acre lot with mature trees and plenty of room to relax, garden, store your toys. The property also includes a 9' x 7' block storage shed, providing durable, secure space for tools, lawn equipment, outdoor gear, or additional storage. Conveniently located with easy access to I-4, you'll be just minutes from shopping, restaurants, medical facilities, and everyday conveniences. Lakeland Square Mall, Publix, downtown Lakeland, Bonnet Springs Park, and several lakes, parks, and recreational areas are all within a short drive, making this location ideal for both commuters and those who enjoy everything Lakeland has to offer. Schedule your private showing and come see it for yourself!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,440
Sqft
0.48 ac
Lot size
1961
Year built
One
Levels
$260
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,811 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,811/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+45.6%
$/sqft vs NOT IN SUBDIVISION
$260 vs $256
Days on market
1 vs 43 typical
Where $260/sqft sits among the 124 homes for sale in NOT IN SUBDIVISION
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Lakeland
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
LAKELAND 33813 — neighborhood snapshot
Population
38,112
Median age
39.9
Median income
$96,723
Median home value
$330,100
Avg household
2.72
Households w/ children
5,079
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lakeland market
$316K → $316K
Lakeland median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
60 of 124
NOT IN SUBDIVISION have cut their price
Median sold price, Lakeland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 7% below the LAKELAND 33813 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 640 ORANGE VALLEY CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$190,000
3169 N US HIGHWAY 129 · same community
2 bd · 2 ba · 1,440 sqft · $132/sqft · 59 DOM
Sold · Mar ’26$330,000
4145 WILLOW OAK ROAD · same community
3 bd · 2 ba · 1,448 sqft · $228/sqft · 52 DOM
Sold · Apr ’26$305,000
6880 WILSON AVENUE · same community
3 bd · 2 ba · 1,401 sqft · $218/sqft · 229 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 640 ORANGE VALLEY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 640 ORANGE VALLEY CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
640 ORANGE VALLEY CIRCLE FAQs
What would the monthly payment be for 640 ORANGE VALLEY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,811/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 640 ORANGE VALLEY CIRCLE?+
The most recent tax bill on record (2025) was $3,336. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 640 ORANGE VALLEY CIRCLE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Lakeland?+
At $375,000, this home is listed about 11% above the Lakeland median of $339,000. The market section on this page shows how the area is trending.
Which schools are assigned to 640 ORANGE VALLEY CIRCLE?+
Medulla Elementary School (elementary), Southwest Middle School (middle), George W. Jenkins Senior High (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of FOUNDATION REALTY GROUP · Adam Mazur. MLS #TB8531270.
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 is deemed reliable but is not guaranteed accurate by Stellar MLS.
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