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12640 US HIGHWAY 98 N, Lakeland, FL, 33809 | $825,000
Under contract-accepting backup offers. One or more photo(s) has been virtually staged. Experience the perfect blend of elegance and tranquility in this exquisite custom-built 4-bedroom, 3-bathroom home plus office and heated saltwater pool, situated on over 5 acres with no HOA. Nestled in a peaceful country setting, this residence offers privacy and space while still being conveniently close to restaurants, shops, and I-4 for easy access to Tampa and Orlando. Step inside to discover soaring high ceilings and meticulous attention to detail throughout. The inviting living room boasts beautiful views and direct access to a spacious screened-in patio overlooking the heated inground saltwater pool and spa – recently resurfaced in 2023 for your enjoyment year-round. The primary suite is a true retreat featuring tray ceilings, a versatile flex space with built-in bookshelves, and a luxurious ensuite bathroom with dual vanities, a garden tub, a tiled walk-in shower, and a large walk-in closet. The office, located at the home’s entry, is well-appointed with built-in cabinetry and a desk—perfect for remote work or study. The guest bathroom known as the pool bathroom offers a walk-in shower and access to the pool. The remodeled kitchen (2024) is a chef’s dream with stone countertops, stainless steel appliances, a convenient touchless faucet, ample cabinetry and counter space, plus a built-in kegerator. Adjacent is a cozy family room with coffered ceilings—ideal as a secondary living area or game room. Two bedrooms share a beautifully updated bathroom complete with dual sinks and a walk-in shower. The fourth bedroom is located upstairs, providing additional privacy. Enjoy outdoor living to the fullest with the oversized patio featuring a built-in outdoor kitchen and an outdoor shower. A separate fenced area is perfect for small pets, while recent upgrades include a new roof (2025), a new septic pump (2026), and an extended driveway providing plenty of parking for vehicles and toys. This exceptional home delivers luxury, convenience, and country charm all in one incredible package. Don’t miss your chance to make it yours!
Features
- Rooms: 11
- Bedrooms: 4
- Baths: 3 full
- Laundry: Inside, Laundry Room
- Year Built: 2004
- Garage: 2-car
- Heating: Central
- Cooling: Central Air
- Approx Sq. Feet: 3,736
- Acreage: 5.01
- Est. Taxes: $7,174
- View: Pool, Trees/Woods
- Pool: Heated, In Ground, Salt Water
- Appliances: Built-In Oven, Cooktop, Dishwasher, Dryer, Electric Water Heater, Range Hood, Refrigerator, Touchless Faucet, Washer, Water Filtration System, Water Softener
- MLS#: L4960240
- Days on Market: 15 days
- Website: https://www.raveis.com
/prop/L4960240/12640ushighway98n_lakeland_fl?source=qrflyer
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP Phone: 863-701-2350
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Customer Service
888.699.8876
Contact@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 16953
917.838.7300
Melissa.Cohn@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Pedro DelgadilloInsurance Sales Director, William Raveis Insurance
305.922.5393
Pedro.Delgadillo@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
12640 US HIGHWAY 98 N, Lakeland, FL, 33809
$825,000
Customer Service
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
Melissa Cohn
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Jumbo* |
30 Year Fixed-Rate Jumbo |
15 Year Fixed-Rate Jumbo |
|
|---|---|---|---|
| Loan Amount | $660,000 | $660,000 | $660,000 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.875% | 6.125% | 6.000% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.312% | 6.235% | 6.164% |
| Monthly Tax Payment | $598 | $598 | $598 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,904 | $4,010 | $5,569 |
| Total Monthly Payment | $4,594 | $4,700 | $6,259 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388