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Overview

4 bd3 ba2,950 sqft2 car garageSingle Family
TypeSingle Family
HOA$217/yr
Built1989
Lot10,306 sqft
Living area2,950 sqft
Price / sqft$144
Garage2 car

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About this home

Ceiling Fans(s)Primary Bedroom Main FloorPrimarybedroom UpstairsSplit BedroomWalk-in Closet(s)Rain GuttersDeed RestrictionsDishwasher

5309 St Lucia Dr is a 1989-built home in Island Walk, Lakeland. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,950 square feet of living space. Listed at $424,900 (about $144/sqft), 109 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $217 annually.

From the listing

Virtually Staged. Nearly 3,000 square feet of comfortable living space, two primary suites, and an impressive list of updates make this Island Walk home one you won't want to miss! This spacious 4-bedroom, 3-bathroom, two-story block home offers a versatile triple-split floor plan designed to accommodate a variety of lifestyles.Step inside to discover formal living and dining rooms, an expansive family room, and a bright, open kitchen with a generous breakfast dining area featuring a charming wood-burning fireplace—the perfect spot to enjoy morning coffee or gather with family and friends. The thoughtful layout creates inviting spaces for both everyday living and entertaining.One of the home's standout features is its two primary bedroom suites. The first-floor primary suite offers convenience along with an updated en-suite shower (2025). Upstairs, the second oversized primary suite provides a private retreat complete with a large walk-in closet, spacious bathroom, and access to a private balcony featuring low-maintenance composite decking.The spacious family room opens directly to the screened patio, creating a seamless transition between indoor and outdoor living. The backyard offers convenient rear access from Tillery Road—ideal for additional parking, recreational equipment, or easy backyard access. With plenty of room to add a pool, the possibilities continue outdoors.Major updates provide peace of mind, including three new HVAC systems (2023), new vinyl siding (2026), new septic leach field (2023), new garage door (2023), updated composite balcony decking (2022), interior and exterior paint (2019), 200-amp electrical service, a metal roof approximately 11–12 years old, and a 2020 refrigerator.Located in Flood Zone X and just moments from Banana Lake Park, the location adds even more appeal. Residents enjoy quick access to boating, fishing, walking trails, playgrounds, picnic areas, and open green spaces. Lakeland's shopping, dining, and daily conveniences are only minutes away, making everyday living both easy and enjoyable. This bright and charming property offers comfort, flexibility, and a relaxed Florida lifestyle all in one. Schedule your private showing and see why this Lakeland gem stands out.

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The essentials

Built
1989
Price / sqft
$144
On market
109 days
Annual tax
$802
HOA
$217/yr
Flood zone
X · Low risk
Lot
10,306 sqft
Type
Single Family Residence

At a glance

Single family
Built 1989
2 car garage
Garage Door Opener
10,306 sqft lot
Lot size
2,950 sqft
Living area

Payment

Est. monthly payment
$2,513/mo
Down payment (20%)
$84,980
Property taxes
$67/mo
HOA
$217/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1989
Lot
10,306 sqft
Cooling
Central Air
Heating
Central
Parking
Garage Door Opener
Days on Market
109
Ceiling Fans(s)
Primary Bedroom Main Floor
Primarybedroom Upstairs
Split Bedroom
Walk-in Closet(s)
Rain Gutters
Deed Restrictions
Dishwasher
Dryer
Microwave
Range
Refrigerator
Washer
Elementary
Highland Grove Elem
Middle
Lakeland Highlands Middl
High
George Jenkins 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)
$802
Parcel #
24-29-10-280551-031380

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
Island Walk
County
Polk
MLS Area
33812 - Lakeland
Lot Size
10,306 sqft
Cleared
HOA
$217/yr
Shelby McSwain

Price history

Date
Event
Price
9/10/2026
Price change
Source: Stellar MLS #TB8526032
$424,900-5.6%
$144/sqft
-
Price change
Source: Stellar MLS #TB8526032
$449,900-3.2%
$153/sqft
6/30/2026
Listed for sale
Source: Stellar MLS #TB8526032
$464,900
$158/sqft

Neighborhood

5309 St Lucia Dr
Lakeland, FL, 33812 · 33812 - Lakeland

Market insights

Offer Insights

Choose an offer strength

List price: $424,900
$422,500 – $424,900
99.5% – 100% of listTops out right at the list price
80% of listList price
42 of the last 75 home closings in 33812 landed at this number or higher (56%). The median one sat 31 days before it went under contract, and this one is on day 109 after a $40,000 cut.

Sample: 75 closed home sales in 33812 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,513/mo
Principal & interest$2,216
Property taxes$67
Insurance$212
HOA$18
Down payment20% · $84,980
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

$424,900

$144 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,950 sq ft

Time on market

109 days

Year built

1989

Monthly payment

About $2,513/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $802 annual tax bill, insurance, and the $217/yr HOA fee.

HOA fee

$217/yr

Managed by Shelby McSwain.

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 byDALTON WADE INCListing agent: Vivian ResnickListing data from Stellar MLS, MLS# TB8526032.

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