4509 OAK STREET, Lakeland, FL, 33813 | $240,000

Under contract-accepting backup offers. This beautifully updated South Lakeland home offers the perfect blend of modern improvements, functional outdoor space, and peaceful surroundings. Nestled on a spacious lot with open views behind the property, this 3-bedroom, 1-bath residence has been thoughtfully refreshed throughout and is move-in ready. From the moment you arrive, the fresh exterior paint, updated landscaping, covered carport, and mature oak trees create inviting curb appeal with a charming country feel while still being close to everything South Lakeland has to offer. Inside, the bright and functional layout features a welcoming living area that flows seamlessly into the dining space and updated kitchen. The kitchen showcases granite countertops, freshly painted cabinetry, stainless steel appliances, updated fixtures, and ample storage space. Neutral finishes, updated lighting, fresh paint, and durable tile flooring throughout the main living areas create a clean and modern feel, while the bedrooms feature brand-new luxury vinyl plank flooring for added warmth and comfort. The bathroom has been tastefully updated with a modern vanity, upgraded fixtures, and beautifully tiled tub/shower combination with natural light streaming through the window. Major improvements throughout the home include a new roof, new windows, all new outlets and switches including GFCI upgrades, and updated fixtures throughout for added peace of mind. One of the standout features of this property is the oversized screened lanai overlooking the backyard and neighboring open pasture views, creating a peaceful setting for relaxing or entertaining year-round. The backyard offers plenty of room for pets, gardening, storage, or future outdoor additions, and the double gate provides convenient access for trailers, boats, or recreational vehicles. The detached shed is a huge bonus, offering electrical service along with a 40-amp RV plug-in, making it ideal for hobby space, workshop use, storage, or RV setup. Additional features include an AC system that appears to be from around 2019, a 2010 water heater, septic system, covered parking, and mature trees that provide shade and privacy. Conveniently located near 540A, Bartow Highway, and US-98 South, this home offers quick access to the Polk Parkway for an easy commute to Tampa or Orlando while still enjoying the quieter feel of South Lakeland living. Schedule your private showing today.

Features

  • Rooms: 5
  • Bedrooms: 3
  • Baths: 1 full
  • Laundry: Laundry Closet, Outside
  • Year Built: 1965
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 897
  • Acreage: 0.2
  • Est. Taxes: $1,152
  • Elem. School: Spessard L. Holland Elementary
  • Middle School: Bartow Middle
  • High School: Bartow High
  • Appliances: Dishwasher, Range, Refrigerator
  • MLS#: L4961753
  • Days on Market: 16 days
  • Website: https://www.raveis.com
    /prop/L4961753/4509oakstreet_lakeland_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 5/30/2026 2:58:14 AM)
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

4509 OAK STREET, Lakeland, FL, 33813

$240,000

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

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $192,000 $192,000 $192,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.524% 5.866%
Monthly Tax Payment $96 $96 $96
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $1,150 $1,198 $1,582
Total Monthly Payment $1,321 $1,369 $1,753

* 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.