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Overview

4 bd3 ba3,645 sqft3 car garageSingle Family
TypeSingle Family
HOA$310/qtr
Built2006
Lot19,149 sqft
Living area3,645 sqft
Price / sqft$329
Garage3 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Built-in FeaturesCentral VaccumChair RailCrown MoldingHigh CeilingsOpen FloorplanSmart HomeSolid Wood Cabinets

2943 Oak Tree Ln is a 2006-built home in Blackwater Creek Estates, Lakeland. Inside you'll find 4 bedrooms, 3 bathrooms, and 3,645 square feet of living space. Listed at $1,200,000 (about $329/sqft), 80 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $310 quarterly.

From the listing

Welcome to 2943 Oak Tree Lane, an exceptional custom-built residence tucked away on a quiet cul-de-sac within the private gated community of Blackwater Creek Estates. Custom built and lovingly maintained by its one and only pair of homeowners, this remarkable property reflects an uncompromising commitment to quality, with luxury upgrades, timeless selections, and thoughtful details throughout. Offering 5 bedrooms, 3 bathrooms, and 3,645 square feet of beautifully appointed living space on nearly half an acre, the home is surrounded by lush, buffered landscaping that creates the feeling of your own private paradise. From the moment you enter, expansive living spaces, beautiful architectural details, custom finishes, and abundant natural light set the tone for elevated yet comfortable living. The thoughtfully designed floor plan offers both open gathering spaces and private retreats, providing flexibility for family, guests, working from home, and entertaining. Beautiful flooring, high ceilings, crown molding, built-in features, and carefully selected finishes showcase the quality throughout the residence. Thoughtfully positioned windows frame stunning views of the surrounding landscape and outdoor living areas, creating a seamless connection between indoors and out. The chef-inspired kitchen is designed to impress with premium Wolf and Sub-Zero appliances, including a Wolf range, Sub-Zero refrigerator, microwave, and warming drawer. Generous cabinetry, beautiful countertops, abundant workspace, and an inviting connection to the main living areas make the kitchen equally suited for everyday living and effortless entertaining. The spacious primary retreat provides a peaceful escape, while four additional bedrooms offer versatility for family, guests, a home office, or fitness space. Step outside and discover what truly sets this property apart. The expansive covered lanai becomes a natural extension of the interior living space, offering stunning views and an exceptional setting for enjoying Florida's indoor-outdoor lifestyle. An outdoor kitchen and gas grill overlook the 15' x 30' saltwater pool and spa, creating your own resort-inspired retreat for morning coffee, quiet afternoons, evening dinners, or weekends spent entertaining. Beautifully buffered landscaping enhances the sense of seclusion, surrounding the backyard with greenery and creating a private atmosphere rarely found within a residential community. Positioned at the end of the cul-de-sac, the .44-acre homesite feels peaceful and tucked away while still offering the security and appeal of an intimate gated neighborhood. The home's extensive amenities continue with Control4 smart-home technology, three HVAC systems, a tankless water heater, central vacuum, security features, generous storage, and an attached three-car garage. A newer 2023 roof provides another valuable update to this exceptionally maintained property. Every element of this one-owner custom home has been thoughtfully designed and cared for with quality, comfort, privacy, and entertaining in mind. From the luxury kitchen and spacious interiors to the breathtaking views, resort-style pool setting, and lushly landscaped grounds, 2943 Oak Tree Lane offers an opportunity increasingly difficult to find. Private yet convenient, refined yet welcoming, this is more than a home, it is a personal retreat offering an exceptional combination of custom craftsmanship, space, privacy, and elevated Florida living.

The essentials

Built
2006
Price / sqft
$329
On market
80 days
Annual tax
$5,353
HOA
$310/qtr
Flood zone
X · Low risk
Lot
19,149 sqft
Type
Single Family Residence

At a glance

Single family
Built 2006
Private pool
Heated
3 car garage
Driveway
0.44 acres
Lot size
3,645 sqft
Living area

Payment

Est. monthly payment
$7,407/mo
Down payment (20%)
$240,000
Property taxes
$446/mo
HOA
$310/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2006
Lot
19,149 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Electric Vehicle Charging Station(s), Garage Door Opener, Oversized
Pool
In Ground, Heated, Outside Bath Access, Screen Enclosure, Tile
Days on Market
80
Built-in Features
Central Vaccum
Chair Rail
Crown Molding
High Ceilings
Open Floorplan
Smart Home
Solid Wood Cabinets
Split Bedroom
Stone Counters
Tray Ceiling(s)
Walk-in Closet(s)
Fire Pit
Lighting
Misting System
Outdoor Grill
Outdoor Kitchen
Private Yard
Gated Community - No Guard
Dishwasher
Disposal
Dryer
Exhaust Fan
Kitchen Reverse Osmosis System
Microwave
Range
Range Hood
Refrigerator
Washer
Elementary
Griffin Elem
Middle
Sleepy Hill Middle
High
Kathleen High

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$5,353
Parcel #
23-27-34-013008-000430

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
Blackwater Creek Estates
County
Polk
MLS Area
33810 - Lakeland
Lot Size
19,149 sqft
Conservation AreaCul-De-SacLandscapedOversized LotSidewalkStreet Dead-EndPaved
HOA
$310/qtr
Highland Community Management/ Mikayla Miller

Price history

Date
Event
Price
8/27/2026
Listed for sale
Source: Stellar MLS #L4964569
$1,200,000
$329/sqft

Neighborhood

2943 Oak Tree Ln
Lakeland, FL, 33810 · 33810 - Lakeland

Market insights

Offer Insights

Choose an offer strength

List price: $1,200,000
$1.19M – $1.20M
99.5% – 100% of listTops out right at the list price
80% of listList price
227 of the last 380 home closings in 33810 landed at this number or higher (60%). The median one sat 30 days before it went under contract, and this one is on day 80.

Sample: 380 closed home sales in 33810 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$7,408/mo
Principal & interest$6,258
Property taxes$446
Insurance$600
HOA$103
Down payment20% · $240,000
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 includes any condo dues 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.

Quick answers.

Price

$1,200,000

$329 per sq ft

Beds and baths

4 beds, 3 baths

Size

3,645 sq ft

Time on market

80 days

Year built

2006

Monthly payment

About $7,407/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,353 annual tax bill, insurance, and the $310/qtr HOA fee.

HOA fee

$310/qtr

Managed by Highland Community Management/ Mikayla Miller.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

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Brokered byBHHS FLORIDA PROPERTIES GROUPListing agent: Christine HubbertListing data from Stellar MLS, MLS# L4964569.

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