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Overview

4 bd3 ba2,570 sqft2 car garageSingle Family
TypeSingle Family
HOA$310/qtr
Built2008
Lot14,366 sqft
Living area2,570 sqft
Price / sqft$194
Garage2 car

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

About this home

Ceiling Fans(s)High CeilingsDishwasherRangeRefrigerator

2909 Blackwater Creek Dr is a 2008-built home in Blackwater Creek Estates, Lakeland. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,570 square feet of living space. Listed at $499,000 (about $194/sqft), 11 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $310 quarterly.

From the listing

Gated-community home situated on a 0.33-acre lot with a fenced backyard, triple-split bedroom plan, and open-concept layout. Custom features include Low-E double-pane windows, crown molding, millwork, hardwood flooring, and tile in wet areas. New roof in 2024. The welcoming foyer offers 10-foot ceilings and attractive lighting. Formal living and dining rooms overlook the backyard, while the family room features a double-tiered ceiling and wood-burning fireplace. The kitchen is equipped with stainless steel appliances, the stove features a double oven, quartz countertops, abundant wood cabinetry, and a large walk-in pantry. The spacious primary suite includes a raised tray ceiling, separate walk-in closets, and a five-piece en-suite bath with dual-sink vanity, garden tub, and walk-through shower. A junior suite offers a private adjoining bath with shower and quartz countertop. Additional secondary bedrooms feature large closets and convenient access to the third bath, complete with a dual-sink quartz vanity, wood cabinetry, and tub/shower combination. Outdoor living continues to the covered rear porch overlooking the fenced yard. Additional highlights include an oversized two-car garage with tile flooring, Tesla vehicle charger (electric vehicle compatible), and a plug installed for your generator. There is a detached 10-by-12-foot utility shed. Centrally located between Tampa and Orlando with convenient access to I-4. Schedule your private showing today!

The essentials

Built
2008
Price / sqft
$194
On market
11 days
Annual tax
$3,839
HOA
$310/qtr
Flood zone
X · Low risk
Lot
14,366 sqft
Type
Single Family Residence

At a glance

Single family
Built 2008
2 car garage
0.33 acres
Lot size
2,570 sqft
Living area

Payment

Est. monthly payment
$3,275/mo
Down payment (20%)
$99,800
Property taxes
$320/mo
HOA
$310/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2008
Lot
14,366 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
11
Ceiling Fans(s)
High Ceilings
Dishwasher
Range
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$3,839
Parcel #
23-27-34-013008-000100

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
14,366 sqft
HOA
$310/qtr
Niki Johnson

Price history

Date
Event
Price
9/29/2026
Listed for sale
Source: Stellar MLS #L4965335
$499,000
$194/sqft

Neighborhood

2909 Blackwater Creek Dr
Lakeland, FL, 33810 · 33810 - Lakeland

Market insights

Offer Insights

Choose an offer strength

List price: $499,000
$497,500 – $499,000
99.5% – 100% of listTops out right at the list price
80% of listList price
185 of the last 301 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 11.

Sample: 301 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
$3,275/mo
Principal & interest$2,602
Property taxes$320
Insurance$250
HOA$103
Down payment20% · $99,800
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%. 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.

Quick answers.

Price

$499,000

$194 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,570 sq ft

Time on market

11 days

Year built

2008

Monthly payment

About $3,275/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,839 annual tax bill, insurance, and the $310/qtr HOA fee.

HOA fee

$310/qtr

Managed by Niki Johnson.

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?

Have another question?

Brokered byREMAX EXPERTSListing agent: Sue WardListing data from Stellar MLS, MLS# L4965335.

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