510 WINDERMERE DRIVE, LAKELAND, FL, 33809
Active130 days on marketListed Mar 25, 2026MLS #W7884224
About this home
510 WINDERMERE DRIVE
– WATERFRONT - ON LAKE GIBSON – NO HOA 4BR / 2BA + Office 0.56 Acre 3-Car Garage Fenced Backyard Screened-In Pool Outdoor Kitchen & Fire Pit Vinyl plank floors Real hardwood floors Boat Dock • Boathouse • Boat Lift Beautiful Lake Views New Metal Roof (2021) New Septic System (2021) Storage Shed + Work Area Built 1957 Prime Lakeland Location • Minutes to shopping, grocery stores & restaurants • Close to Mall & major retail centers • Easy access to I-4 • ~45 min to Tampa • 45 min to Orlando & Kissimmee • Close to major job opportunities Florida Lifestyle • Surrounded by lakes & great fishing • Easy access to boating & outdoor living • Short drive to Gulf & Atlantic beaches Some images have been enhanced using AI to illustrate potential landscaping. Actual conditions may vary
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,000
Sqft
0.56 ac
Lot size
3
Garage
1957
Year built
One
Levels
$312
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.
$4,108 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,108/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+37.6%
$/sqft vs Lakeland actives
$312 vs $192
Days on market
130 vs 33 typical
Where $312/sqft sits among the 400 Lakeland actives
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 Gibsonia
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Gibsonia — neighborhood snapshot
Population
4,638
Median age
39
Median income
$68,792
Median home value
$269,302
Avg household
3
Households w/ children
651
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
$318K → $320K
Lakeland median sold, yr/yr
97.7%
Sale-to-list ratio (12 mo)
205 of 400
Lakeland actives have cut their price
Median sold price, Lakeland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 92% above the LAKELAND 33809 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 510 WINDERMERE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$420,000
5811 LAKE BREEZE AVENUE · same community
3 bd · 3 ba · 2,100 sqft · $200/sqft · 40 DOM
Sold · Nov ’25$275,000
5823 LAKE BREEZE AVENUE · same community
3 bd · 1.5 ba · 1,620 sqft · $170/sqft · 11 DOM
Sold · Apr ’26$217,000
1304 MAYFLOWER DRIVE
3 bd · 2 ba · 1,968 sqft · $110/sqft · 84 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 510 WINDERMERE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 510 WINDERMERE DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
510 WINDERMERE DRIVE FAQs
What would the monthly payment be for 510 WINDERMERE DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,108/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 510 WINDERMERE DRIVE?+
The most recent tax bill on record (2025) was $4,098. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Lakeland?+
At $624,900, this home is listed about 84% above the Lakeland median of $340,000. The market section on this page shows how the area is trending.
Which schools are assigned to 510 WINDERMERE DRIVE?+
Edgar L. Padgett Elementary (elementary), Lake Gibson Middle School (middle), Lake Gibson Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$624,900 runs 92% above the LAKELAND 33809 median — but at 2,000 sqft it's also 16% larger than the typical Lakeland listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
130 days on market against a Lakeland median of 33 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $775,000, now $624,900 — a $150K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LISTWITHFREEDOM.COM · Ralph Harvey. MLS #W7884224.
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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