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Lake Wales Homes For Sale with USDA Financing! 

What is USDA Financing? It is a government backed program that offers a 0% down loan. The address should be verified in their Eligibility Checker before moving forward to ensure it is in a USDA zone.

Want to know more? Check out our blog post about USDA financing!

USDA Financing Available Homes:

$449,000
5 Beds 4 Baths Brookshire SubDv. 33898 Zip Code
Space, flexibility, and Florida living come together at 279 Brookshire Drive in Lake Wales. Step inside and you’ll quickly see just how much room this five-bedroom, four-bath home gives you to spread out and settle in. The welcoming foyer leads into multiple living and gathering spaces, including formal dining, a Florida room, and an open kitchen and dinette that naturally feel like the heart of the home. Solid wood cabinetry, Corian countertops, a center island, breakfast bar, and sliding glass doors make it easy for everyday living and entertaining to flow right out to the covered lanai. Throughout the home, thoughtful details like arched doorways and marble window sills add character, while ample storage helps make all this space as practical as it is impressive. The main-level primary suite feels nicely tucked away, with a sitting area, direct lanai access, a large walk-in closet, dual vanities, jetted spa tub, separate shower, and linen storage. Head upstairs and there’s even more to discover. Four additional bedrooms, two full bathrooms, including a convenient Jack-and-Jill bath, and a large open loft create an entire second living area that can change right along with your needs. The dual staircase, accessible from both the foyer and kitchen, is another distinctive detail that makes the layout stand out. Outside, the covered lanai overlooks an oversized, landscaped backyard framed by mature trees, with plenty of room to explore adding a future pool. Whether you envision afternoons outside, weekend get-togethers, or simply more room to enjoy the Florida sunshine, the indoor-outdoor setup gives you plenty of possibilities. A paver driveway leads to the oversized side-entry two-car garage, while a newer roof, updated A/C system, and recently refreshed exterior paint add even more value. And when you’re ready to get out and explore, Lake Wales has a character all its own. Spend an afternoon among the gardens, trails, and historic Singing Tower at Bok Tower Gardens, then come home, settle onto the lanai, and enjoy your own piece of Central Florida. With a lake view, generous storage, flexible living spaces, distinctive architectural details, and a layout designed to accommodate everything from everyday life to a house full of guests, this is a home that gets even better as you walk through it.

279 Brookshire Drive, Lake Wales

$275,000
3 Beds 2 Baths Rolling Hills SubDv. 33898 Zip Code
Welcome to this cozy, clean, and inviting home that is freshly updated and nestled in the scenic orange grove countryside of Lake Wales. This beautiful home offers 3 bedrooms and 2 full bathrooms, a living room, kitchen/dining area, and an indoor area for the washer and dryer. Some of the updates include a new roof that was replaced in 2025, new luxury vinyl plank flooring all throughout the home, new vanities, new cabinets and countertops, new fixtures, and fresh paint. Unwind and relax in either the front covered porch or the large screened-in back porch where you can enjoy the spectacular sunrises and sunsets. Situated on about an acre of land that is fenced with several gates, you'll find that there is plenty of open space both in the front and the back of this home to make it uniquely yours and there is NO HOA. A complete irrigation system with 8 different watering zones along with drip irrigation is available for all of your gardening and lawn plans. There is a covered carport with storage attached to it along with an oversized driveway for extra parking space. You'll also find the convenience of a second smaller shed for even more storage. It is perfectly located just outside of city limits but minutes from town amenities. This home is currently being used as a short term rental and is being offered fully furnished, if desired. If you are looking for a place to call home or to invest that has land and is ready to move in, please consider scheduling a showing and see what all this property has in store.

4030 Rolling Hills Court W, Lake Wales

$220,000
2 Beds 2 Baths Saddlebag SubDv. 33898 Zip Code
Welcome to your dream retreat! This stunning 2-bedroom, 2-full bathroom home comes furnished and offers the perfect blend of modern luxury and effortless living in the highly desirable 55+ gated community of Saddlebag Lake Resort, where you own the land. From top-tier interior upgrades to an entertainer's backyard paradise, every inch of this property has been thoughtfully designed for comfort and peace of mind. The heart of the home is a chef's delight, featuring sleek quartz countertops, premium stainless steel appliances, custom cabinetry with soft-close drawers and cabinet doors, and an island that provides extra food preparation space and storage. Unwind in the spacious owners suite with upgraded ensuite bathroom complete with dual sinks and a beautiful new shower stall. The multifunctional guest suite has the perfect space-saving design! It comes fully equipped with a Murphy bed, plus a fold-up desk, and includes a TV, and custom built-in cabinetry for ultimate organization. Step outside onto ultra-durable, low-maintenance Trex composite decking that leads to your custom outdoor kitchen - ideal for dining under the stars. Best of all, you will never have to worry about power outages thanks to the whole house generator that comes with the home. Live like you are on vacation every day here at Saddlebag Lake Resort! The clubhouse is the center of community life, hosting regular events and special celebrations. The sparkling swimming pool is perfect for low-impact exercise or lounging under the sun. For some friendly competition, check out the tennis, pickle ball or shuffleboard courts, or play pool in the rec room. This pet friendly community has a dog park at the back for your furry family members to enjoy, and the golf enthusiast will appreciate the driving range. Of course, the fisherman in the family can spend their days on the lake. Whether you are looking for a permanent residence or a stress-free seasonal winter getaway, this move-in-ready home offers outstanding value. Don't miss the chance to experience resort-style independent living at its finest. Call now for your private tour!

9 Silver Doctor Lane, Lake Wales

$261,990
5 Beds 2 Baths Leomas Landing SubDv. 33859 Zip Code
Under Construction. The Alford is one of our thoughtfully designed one-story floorplans, available in Leoma's Landing in Lake Wales, Florida. Choose from three modern exterior options, each paired with a convenient one-car garage. This spacious home offers 5 bedrooms, 2 bathrooms, and 1,739 square feet of comfortable living. Its open-concept design creates a seamless flow between the kitchen, dining, and living areas perfect for entertaining or enjoying everyday life. The versatile layout also gives homeowners flexibility in how they style and use each space. For added privacy, the primary bedroom is located at the back of the home, while the additional bedrooms are positioned toward the front. The kitchen is a true highlight, featuring shaker-style cabinetry, quartz countertops, and stainless-steel appliances. With its open layout overlooking the dining area, meal prep and socializing come naturally. Each secondary bedroom includes carpet flooring and its own closet, offering the perfect setup for bedrooms, office space, or bonus rooms. The primary suite stands out with luxury vinyl plank flooring, a private attached bath, and a generous walk-in closet. The bathroom is designed with convenience in mind, featuring a dual vanity and a separate door for the toilet and shower. *Photos are of similar model but not that of the exact house. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability, and amenities are subject to change and prior sale at any time without notice or obligation. Please note that no representations or warranties are made regarding school districts or school assignments; you should conduct your own investigation regarding current and future schools and school boundaries.*

1150 Amber Waves Court, Lake Wales

$257,990
5 Beds 2 Baths Leomas Landing SubDv. 33859 Zip Code
Under Construction. The Alford is one of our thoughtfully designed one-story floorplans, available in Leoma's Landing in Lake Wales, Florida. Choose from three modern exterior options, each paired with a convenient one-car garage. This spacious home offers 5 bedrooms, 2 bathrooms, and 1,739 square feet of comfortable living. Its open-concept design creates a seamless flow between the kitchen, dining, and living areas perfect for entertaining or enjoying everyday life. The versatile layout also gives homeowners flexibility in how they style and use each space. For added privacy, the primary bedroom is located at the back of the home, while the additional bedrooms are positioned toward the front. The kitchen is a true highlight, featuring shaker-style cabinetry, quartz countertops, and stainless-steel appliances. With its open layout overlooking the dining area, meal prep and socializing come naturally. Each secondary bedroom includes carpet flooring and its own closet, offering the perfect setup for bedrooms, office space, or bonus rooms. The primary suite stands out with luxury vinyl plank flooring, a private attached bath, and a generous walk-in closet. The bathroom is designed with convenience in mind, featuring a dual vanity and a separate door for the toilet and shower. *Photos are of similar model but not that of the exact house. Pictures, photographs, colors, features, and sizes are for illustration purposes only and will vary from the homes as built. Home and community information including pricing, included features, terms, availability, and amenities are subject to change and prior sale at any time without notice or obligation. Please note that no representations or warranties are made regarding school districts or school assignments; you should conduct your own investigation regarding current and future schools and school boundaries.*

1138 Amber Waves Court, Lake Wales

$125,000
2 Beds 2 Baths La Casa Condo SubDv. 33898 Zip Code
Short Sale. Sited in the desirable community of La Casa, this charming Mediterranean-inspired ground-floor end-unit Condo offers 2 bedrooms and 2 baths with a spacious open-concept floor plan designed for comfortable Florida living. The inviting Great Room features luxury vinyl plank flooring and oversized glass sliding doors that open to the Florida Room, creating a seamless flow between the indoor and outdoor living spaces. The galley-style kitchen is enhanced with attractive gray cabinetry, water filter system for the kitchen sink, tile flooring, and a large breakfast bar offering ample seating for casual dining or entertaining. The adjacent formal dining area provides convenient patio access through glass sliding doors. The spacious Primary Bedroom Suite features berber carpeting, a walk-in closet, and private patio access through a glass sliding door. The Primary Bath offers a single vanity and a separate water closet with an updated comfort-height toilet and tub/shower combination. A true highlight of the home is the generously sized 20' x 7' Florida Room, where you can relax and enjoy tranquil views of the beautifully maintained community common area, mature shade trees, and lush surroundings. Recent improvements include new screens and new memory vinyl windows in the Florida Room, a 2020 water heater, 2020 HVAC system, and new solar tint on the dining room glass sliding doors. The condo is being offered partially furnished for added convenience. La Casa offers a picturesque tropical setting surrounded by lush plantings and an array of amenities, including a community pool, tennis courts, His & Hers saunas, and shuffleboard. The monthly condo fee of $640 includes water, sewer, trash, grounds maintenance, exterior maintenance, community pool service, and designated parking for one vehicle. Conveniently located just outside the city limits, La Casa is within a short commute of shopping, dining, Bok Tower Gardens, and downtown amenities. Whether you're looking for a year-round residence or, seasonal retreat, this inviting condo offers comfortable Florida living in a well-established community.

121 La Casa Unit 121, Lake Wales

$165,000
2 Beds 2 Baths Saddlebag Lake SubDv. 33898 Zip Code
Move in ready and turnkey, this Homes of Merit two bedroom/two bathroom manufactured home is just waiting for it's new owner. Located in the premier 55+ pet friendly community of Saddlebag Lake Resort, where you own the land, the home is perfectly situated at the back of the resort with a view of the lake. The metal roof and HVAC are only about five years old. Other upgrades include the concrete driveway, and new appliances, including the refrigerator w/bottom freezer, dishwasher and washing machine. The kitchen is super efficient with plenty of cabinets and counter space. The owners suite has an ensuite bathroom, and your guests will have the comfort of their own bathroom. Extra company? No worries! The living room has a sleeper sofa to accommodate them. If you enjoy entertaining, you'll be the life of the party in the expansive screened porch that faces the lake, and your friends can use the covered walkway to get there without even coming inside the house. For your quiet time, retreat to the smaller screened porch at the front to sip a cup of coffee and reflect. Check out all the amenities the resort has to offer, like the pool, hot tub, tennis, pickle ball and shuffleboard courts and horse shoe pits. Play a friendly game of pool in the rec room, or hit the fitness equipment or sauna! Get to know your neighbors with planned activities in the clubhouse, or go fishing on the lake or just hang out at the beach house. It's all included in your low HOA dues, so what are you waiting for? Don't let this get away, call now for your private tour!

15 Pink Lady Lane, Lake Wales

$319,900
3 Beds 2 Baths Dinner Lake Shores Ph 01 SubDv. 33859 Zip Code
Beautiful single-story home ready for a new family. The property is located in a gated community. Inside, you'll enter the formal living and dining areas. Next, there's an additional room that can serve as a playroom, office, or study. At the end of the hallway, you'll pass through the open-plan kitchen, which comes fully equipped with a side-by-side refrigerator, stove, microwave, dishwasher, and garbage disposal. There's a pantry within the kitchen, and still room for a kitchen table and chairs. The sink is positioned facing the family room and has counter space for 4 to 5 stools, so there's plenty of seating. To the left is the spacious master bedroom with a walk-in closet and ensuite bathroom. The master bathroom has two separate sinks, a toilet in a separate closet, a large bathtub, and a separate shower. To the right of the house are two additional bedrooms, a second bathroom, and the laundry area, which comes fully equipped with a full-size washer and dryer. The laundry room connects to the garage, which is spacious enough for two vehicles and has an electric garage door opener. Through the family room, you can enjoy Florida's sunny weather on the fully enclosed covered deck, which features a ceiling fan. The original owners have kept this home immaculate and well-maintained. You're just one mile away from shopping, Eagle Ridge Mall, restaurants, grocery stores, pharmacies, doctors' offices, gas stations, entertainment venues, and much more. It's only a five-minute drive from Highway 27, 20 miles from I-4, and five miles from Highway 60. As you can see, this is a prime location. Come see this home before it's gone!

4319 Dinner Lake Boulevard, Lake Wales

$299,500
2 Beds 1 Baths Tiotie Beach Estates SubDv. 33898 Zip Code
Discover your own slice of Old Florida at 10930 Camp Mack Rd in Lake Wales! Situated on approximately 1.1 acres near the Lake Rosalie area, this charming 2-bedroom, 1-bath concrete block home combines privacy, mature landscaping, a swimming pool, multiple workshop spaces, and extensive covered parking in a peaceful Central Florida country setting. The property offers a wonderful balance of cleared, usable space and natural Florida beauty, with mature oak and citrus trees providing shade, character, and a relaxed setting. There's room to garden, enjoy your animals, tackle weekend projects, entertain outdoors, or simply spread out and enjoy the space. Vehicle, boat, equipment, and hobby enthusiasts will appreciate the impressive amount of covered parking and workspace. A three-bay covered garage is complemented by an additional covered carport with room for two more vehicles. Two separate workshop spaces provide flexibility for tools, equipment, woodworking, crafts, storage, and other hobbies. Outdoor living takes center stage. Cool off in the swimming pool featuring an updated 2025 pool deck, relax on the screened back patio, or enjoy your morning coffee from the covered front porch. Walking trails meander through the property, while a fire pit creates a comfortable gathering place for Florida evenings. Existing chicken and bunny coops add even more country charm and functionality. Additional features and improvements include irrigation, a 2022 water heater, and a leach field replaced in 2023. For those who love the outdoors, the Lake Rosalie area and surrounding Central Florida lake country has opportunities to enjoy fishing, boating, kayaking, wildlife, and outdoor recreation. Lake Kissimmee State Park is also located along Camp Mack Road, adding another nearby destination for enjoying the natural beauty of the area. COUNTRY FEEL WITH EVERYDAY CONVENIENCES WITHIN REACH. Enjoy the peaceful setting while maintaining convenient access toward State Road 60 and shopping, dining, groceries, home and outdoor supplies, services, and other destinations throughout the Lake Wales area. Additional retail, restaurants, and services are available around Eagle Ridge Mall and the greater Lake Wales area, with LEGOLAND Florida Resort among Central Florida's family attractions within driving distance. 10930 Camp Mack Rd is more than a home it's an opportunity to enjoy acreage, privacy, recreation, workshop space, covered parking, and the relaxed pace of Old Florida lake-country living while keeping everyday conveniences within reach.

10930 Camp Mack Road, Lake Wales

$324,999
4 Beds 3 Baths Dinner Lake Shores Ph 01 SubDv. 33859 Zip Code
Virtually Staged. Discover the ultimate Florida lifestyle in this beautifully maintained single-family home located directly on the waterfront of Dinner Lake. This home is nestled within the private, gated community of Dinner Lake Shores, offering an exceptional blend of natural beauty and modern structural integrity. Step through the front entryway to find a highly efficient floor plan with a lake view from multiple areas of the home. The sliding glass doors lead to a spacious enclosed lanai, providing a perfect, climate-protected environment to enjoy the sweeping, tranquil water views and mature landscaping. This property is engineered for ease of living, featuring a split-bedroom layout that maximizes interior privacy, a dedicated interior laundry room, and a spacious garage design to accommodate a bass boat and vehicle. The community itself is meticulously maintained by professional management, offering paved sidewalks within an acoustic "Silent Zone" that guarantees profound residential peace and exceptionally low HOA fees. Crucially for peace of mind, this property is situated completely outside of high-risk coastal flood zones, located safely in FEMA Flood Zone X on the elevated Lake Wales Ridge. Beyond the private gates, residents are surrounded by world-class amenities. Within a highly convenient 1.5-mile drive, residents have immediate access to comprehensive retail and grocery options at Eagle Ridge Mall and Shoppes on the Ridge. Enjoy peace of mind with health needs being met at AdventHealth Lake Wales (6.5 miles away) and Winter Haven Hospital-BayCare (11.6 miles away). For entertainment, the property is situated just 8.1 miles from the gates of the 150-acre LEGOLAND Florida Resort and Peppa Pig Theme Park. You are just a 5.5-mile drive from the breathtaking 250-acre botanical landscapes of the historic Bok Tower Gardens, 3 miles from Mountain Lake Golf Course, 5.7 miles from Lake Bess Golf Club, 9.5 miles from The Country Club of Winter Haven, and a mere 1.9-mile drive to iconic local waterfront dining at Cherry Pocket Steak & Seafood. Embrace the serenity and security of true lakefront living in Central Florida’s most welcoming setting.

4387 Dinner Lake Boulevard, Lake Wales

$419,950
3 Beds 2 Baths Country Oaks Estates SubDv. 33898 Zip Code
Welcome to this beautifully renovated 3-bedroom, 2-bath home situated on a spacious 0.46-acre lot in Lake Wales with no HOA! Offering 2,392 square feet of thoughtfully designed living space, this move-in-ready property combines timeless charm with modern upgrades, creating the perfect place to call home. Step inside to an open-concept floor plan featuring soaring ceilings, abundant natural light, and luxury vinyl plank flooring throughout. Large windows fill the home with sunshine, enhancing the spacious feel of the two living areas and inviting dining space. A cozy fireplace serves as the focal point of one of the living rooms, making it the perfect spot to gather with family and friends. The beautifully updated kitchen is designed for both everyday living and entertaining, featuring brand-new stainless steel appliances, quartz countertops, new cabinetry, a stylish tile backsplash, and a breakfast nook. Whether you're preparing meals or hosting guests, this space offers both functionality and style. The generously sized primary suite provides a relaxing retreat with large windows that bring in plenty of natural light. The en-suite bathroom has been completely updated with brand-new tile, dual vanities, a garden tub, and a separate walk-in shower. Two additional bedrooms offer comfortable accommodations for family, guests, or a home office. All bedrooms have been updated with brand new carpet and ceiling fans. This home has been extensively renovated for peace of mind, including a new roof, new AC system, updated electrical, re-piped plumbing, custom shelving, and numerous modern finishes throughout. Outside, you'll find a fully fenced backyard, a screened porch with an adjoining patio perfect for relaxing or entertaining, and a spacious 26x22 garage. The impressive exterior features a large driveway leading to a circular drive, providing excellent curb appeal and ample parking. With its extensive renovations, spacious layout, beautiful finishes, and prime Lake Wales location, this exceptional home offers the perfect blend of comfort, style, and functionality. USDA FINANCING AVAILABLE FOR ELIGIBLE BUYERS, WITH NO MONEY DOWN. CALL TODAY FOR MORE DETAILS.

1955 Capps Road, Lake Wales

$200,000
3 Beds 2 Baths Twin Fountains Inc A Condo Mhp SubDv. 33898 Zip Code
***Seller is willing to contribute $5,000 towards buyer’s closing costs.*** Welcome to your brand-new, never-lived-in home, offering 3 bedrooms and 2 bathrooms in a vibrant 55+ active community. This modern residence delivers the comfort of new construction paired with a low-maintenance lifestyle designed for easy living — and you own the lot, so there's no lot rent. Inside, you’ll find stainless steel appliances, a bright open layout, and thoughtfully designed spaces perfect for everyday enjoyment. Outside, the covered carport with an attached storage shed provides convenient parking and extra room for tools, hobbies, or seasonal items. The lot offers additional space that may allow for future expansions or add-ons, subject to buyer verification with the HOA and county. The community also provides designated outdoor storage areas for boats and RVs, giving you even more flexibility for your recreational lifestyle. Residents enjoy a friendly, amenity-rich community featuring a sparkling pool, shuffleboard courts, and a clubhouse ideal for social gatherings and activities. Only one occupant needs to be 55+ to qualify for residency, making the community accessible while still maintaining its active-adult atmosphere. The low monthly dues include water, sewer, cable, internet, and lawn maintenance, allowing you to enjoy the Florida sunshine without the burden of extra upkeep. This move-in-ready home is the perfect opportunity to enjoy a fresh start in a welcoming and well-appointed 55+ neighborhood.

263 Edgewood Boulevard, Lake Wales

$295,000
4 Beds 2 Baths N/A SubDv. 33898 Zip Code
Welcome to modern farm living in Lake Wales. Tucked away among peaceful orange groves on a quiet road, this turnkey four bedroom, two bathroom double wide manufactured home sits on a fully fenced .98 acre agricultural lot with no HOA. The seller purchased the previously vacant land and spent the past year developing the property from the ground up. The home was installed, electric service was brought to the property, and a new well and septic system were added, making all the major infrastructure new. Inside, you will find higher ceilings, vinyl flooring throughout, an upgraded kitchen, spacious living areas, and a clean, move in ready interior. The custom built front patio is the perfect place to relax and enjoy the peaceful surroundings. Outside, the property offers two storage sheds, a pole barn, and plenty of open space for animals, recreational vehicles, equipment, gardening, or future improvements. The pole barn may also offer potential for a future in law setup or additional living space, subject to county approval. Fruit trees and plants throughout the property include mango, avocado, guava, and pineapple. The neighboring lot is currently vacant and could provide a future opportunity to expand the property and create a second entrance if it becomes available. The home is located in a high and dry area outside of a designated flood zone, which may help keep insurance costs more affordable. The property may also qualify for USDA financing, subject to buyer and lender approval. Enjoy quiet country living without giving up convenience. Walmart is approximately seven minutes away, Bok Tower Gardens is about 15 minutes away, LEGOLAND Florida is roughly 30 minutes away, and Disney is less than 40 minutes away. The property is also only a few minutes from State Road 60, providing convenient east and west access toward Tampa and Vero Beach. Future regional transportation plans also include the proposed Central Polk Parkway East, which is intended to improve connectivity toward I-4 and SR 429. With nearly one acre, agricultural zoning, no HOA, new infrastructure, multiple outbuildings, and room to grow, this property is ready for its next owner.

8170 Dogyard Road, Lake Wales

$325,000
6 Beds 3 Baths Hunt Club Groves 40s SubDv. 33859 Zip Code
Welcome to this stunning two-story home featuring a modern open-concept design that perfectly blends style and functionality. The first floor offers a spacious family room, dining area, and a beautifully appointed kitchen, creating the ideal space for entertaining and everyday living. A convenient first-floor bedroom is tucked away at the rear of the home, making it perfect for guests, a home office, or a private flex space. Upstairs, you’ll find five additional bedrooms, including the luxurious owner’s suite, along with a versatile loft that’s perfect for movie nights, a game room, or a second living area. Located in the desirable Hunt Club Groves community, residents enjoy exceptional resort-style amenities, including a swimming pool, fitness center, pickleball courts, basketball court, soccer field, and Fiber Optic High-Speed Internet. Conveniently situated just minutes from historic downtown Lake Wales, you’ll have easy access to local shopping, dining, and recreation, including the Lake Wales Country Club and the renowned Bok Tower Gardens. Known for its rolling hills, citrus groves, scenic bike paths, and beautiful botanical gardens, Lake Wales offers the perfect balance of small-town charm and modern convenience. Hunt Club Groves is the ideal place to call home, offering a peaceful lifestyle surrounded by nature while keeping you close to everything you need.

3638 Hardman Drive, Lake Wales

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