428 Fitzgerald Rd, photo 1
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Overview

3 bd2 ba1,311 sqftSingle Family
TypeSingle Family
HOANone listed
Built1964
Lot9,448 sqft
Living area1,311 sqft
Price / sqft$209

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About this home

Ceiling Fans(s)Eat-in KitchenKitchen/Family Room ComboPrimary Bedroom Main FloorSolid Surface CountersStreet LightsDishwasherElectric Water Heater

428 Fitzgerald Rd is a 1964-built home in Not IN Subdivision, Lakeland. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,311 square feet of living space. Listed at $274,000 (about $209/sqft), 39 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Welcome to this inviting three-bedroom, two-bath home, offering colorful curb appeal and thoughtful updates. The cheerful green-and-white exterior is surrounded by beautiful landscaping, while an attractive tiled walkway leads to the covered front entrance and stunning decorative-glass front door. Inside, wood-look flooring flows through the main living areas, while all three bedrooms feature comfortable carpeting. One bedroom is currently arranged as a bright home office with windows on two walls. The spacious front living room features a ceiling fan and an expansive multi-pane picture window overlooking the landscaped front yard, filling the room with natural light. The home also offers two full bathrooms, a dedicated indoor laundry room, and ample hallway storage. The bright kitchen features white cabinetry, beautiful quartz countertops, a contrasting navy subway-tile backsplash, updated appliances, and a large center island with seating. The island is finished with durable decorative backsplash paneling in place of traditional painted drywall, creating a polished and easy-to-maintain surface. A striking contemporary four-light pendant fixture with illuminated bubble-glass cylinders and polished chrome accents adds an elegant finishing touch above the island. French doors located just off the kitchen lead directly to the backyard. Numerous improvements provide added comfort and efficiency, including a new A/C and refrigerator in 2026, brand-new double-pane windows, a whole-house water filtration system, and a UV-light air filtration system for the A/C. The range and microwave were replaced in 2022, the dishwasher in 2018, and the roof is approximately eight and a half years old. Hot water heater will be replaced prior to closing. The backyard is shaded by beautiful mature oak trees and features both vinyl and chain-link fencing. Three storage sheds provide generous space for tools, lawn equipment, hobbies, and outdoor belongings. Conveniently located near the Polk Parkway, shopping, medical facilities, and the new Orlando Health hospital, the home also offers easy access to I-4. Centrally positioned between Tampa and Orlando, this property makes it easy to enjoy everything Central Florida has to offer.

The essentials

Built
1964
Price / sqft
$209
On market
39 days
Annual tax
$1,625
Flood zone
X · Low risk
Lot
9,448 sqft
Type
Single Family Residence

At a glance

Single family
Built 1964
9,448 sqft lot
Lot size
1,311 sqft
Living area

Payment

Est. monthly payment
$1,701/mo
Down payment (20%)
$54,800
Property taxes
$135/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1964
Lot
9,448 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
39
Ceiling Fans(s)
Eat-in Kitchen
Kitchen/Family Room Combo
Primary Bedroom Main Floor
Solid Surface Counters
Street Lights
Dishwasher
Electric Water Heater
Microwave
Range
Refrigerator
Water Filtration System
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$1,625
Parcel #
23-29-12-000000-022410

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
Not IN Subdivision
County
Polk
MLS Area
33813 - Lakeland
Lot Size
9,448 sqft

Price history

Date
Event
Price
9/18/2026
Price change
Source: Stellar MLS #L4964825
$274,000-8.6%
$209/sqft
9/5/2026
Listed for sale
Source: Stellar MLS #L4964825
$299,900
$229/sqft

Neighborhood

428 Fitzgerald Rd
Lakeland, FL, 33813 · 33813 - Lakeland

Market insights

Offer Insights

Choose an offer strength

List price: $274,000
$272,500 – $274,000
99.5% – 100% of listTops out right at the list price
80% of listList price
133 of the last 261 home closings in 33813 landed at this number or higher (51%). The median one sat 25 days before it went under contract, and this one is on day 39 after a $25,900 cut.

Sample: 261 closed home sales in 33813 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$1,701/mo
Principal & interest$1,429
Property taxes$135
Insurance$137
Down payment20% · $54,800
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%. 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

$274,000

$209 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,311 sq ft

Time on market

39 days

Year built

1964

Monthly payment

About $1,701/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,625 annual tax bill, insurance.

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 byUNITED COUNTRY SMITH & ASSOCIATESListing agent: Stacey FoskeyListing data from Stellar MLS, MLS# L4964825.

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