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Lakeland 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:

4075 Marie Drive, Lakeland
$270,000
3 Beds ⋅ 2 Baths ⋅ Crews Lake Estates SubDv. ⋅ 33813 Zip Code
*USDA FINANCING AVAILABLE* Welcome to 4075 Marie Dr in desirable South Lakeland. This charming home offers a comfortable layout with a large yard, NO HOA, no flood zone, and is situated a private cul-de-sac. Neutral finishes and laminate flooring throughout make for easy maintenance. The bright kitchen features updated cabinetry, stainless steel appliances, and a spacious closet pantry. The large kitchen bar offers space for gathering, complemented by a separate dining space. This three-bedroom home boasts abundant natural light and plenty of closet space for all your needs. The two bathrooms have been thoughtfully updated and offer neutral tones and ample storage. Off the dining area, sliding glass doors open to an enclosed sunroom, creating a welcoming spot for morning coffee, reading, or additional entertaining space. You'll also appreciate the separate laundry room off the sunroom, keeping laundry noise away from your main living area. An adjoining screened porch overlooks the spacious backyard, offering plenty of room to enjoy the outdoors. An attached one-car garage and an extended driveway provide added convenience. Notable improvements include a new drain field in 2026 with a transferable five-year warranty, air conditioning and water heater replaced in 2024, kitchen appliances replaced in 2021, a screened porch added in 2020, and a roof replaced in 2019. This home is conveniently located with easy access to the Polk Parkway and Highway 60, putting shopping, dining, parks, and recreation in Lakeland and Bartow within easy reach. Regional connections to Tampa and Orlando offer access to world-renowned attractions, entertainment, and employment opportunities, with major area employers including Publix, GEICO, and Amazon. A wonderful opportunity to enjoy comfortable indoor and outdoor living in an established South Lakeland setting.

4075 Marie Drive, Lakeland

822 & 830 Shirley Ann Trail, Lakeland
$673,500
8 Beds ⋅ 8 Baths ⋅ Lake Gibson Villas SubDv. ⋅ 33809 Zip Code
EXCELLENT INVESTMENT OPPORTUNITY IN GROWING NORTH LAKELAND! Don't miss this opportunity to acquire TWO well-maintained, income-producing concrete block duplexes at 822/824 and 830/832 Shirley Ann Trail, Lakeland, FL 33809! Together, these properties offer FOUR spacious 2-bedroom, 2-bathroom rental units, all currently occupied, generating $5,245 in monthly rental income and $62,940 in annual gross rental income! At a combined asking price of $699,800, this represents an attractive 9.0% GROSS ANNUAL RENTAL YIELD based on current rents, before operating expenses! Current monthly rents are $1,400, $1,400, $1,295, and $1,150, offering investors established income from day one. The duplex at 822/824 features a newer 2025 architectural shingle roof, fresh interior and exterior paint, and durable tile flooring throughout. The adjoining duplex at 830/832 will have a NEW ROOF installed prior to closing, providing additional value and peace of mind! Conveniently located in desirable North Lakeland, just minutes from I-4 with easy access to Tampa and Orlando, these properties are also close to US Highway 98 North, Walmart, shopping, restaurants, public transportation, and major employment centers. Lakeland continues to attract residents and businesses thanks to its strategic Central Florida location, expanding employment opportunities, and ongoing economic development, making it an attractive market for real estate investors. With established rental income, a history of long-term tenant renewals, and significant recent improvements, this is an excellent opportunity to expand your investment portfolio! IMPORTANT: BOTH DUPLEXES ARE BEING SOLD TOGETHER AS A FOUR-UNIT INVESTMENT PACKAGE. SELLER WILL NOT SELL THE PROPERTIES INDIVIDUALLY. Whether you're an experienced investor looking to expand your portfolio or seeking your next income-producing property, this opportunity deserves your attention! CALL TODAY for additional information, rental details, and an opportunity to make these FOUR income-producing units yours!

822 & 830 Shirley Ann Trail, Lakeland

2227 Caspian Drive, Lakeland
$354,999
4 Beds ⋅ 3 Baths ⋅ Villages At Bridgewater SubDv. ⋅ 33805 Zip Code
INCREDIBLE OPPORTUNITY! ASSUMABLE MORTGAGE WITH AN EXCEPTIONALLY LOW INTEREST RATE! RESORT-STYLE LIVING IN A BEAUTIFUL WATERFRONT COMMUNITY! Welcome to 2227 Caspian Drive in Lakeland, Florida, where comfort, convenience, exceptional amenities, and an incredible financing opportunity come together! Nestled within a beautiful 575-ACRE MASTER-PLANNED COMMUNITY SURROUNDED BY FIVE SIGNATURE LAKES, this home offers the perfect combination of suburban tranquility, waterfront scenery, and resort-style living in a wonderful, established neighborhood! DESIGNED FOR COMFORT AND FLEXIBILITY! Step inside and discover a spacious kitchen featuring GRANITE COUNTERTOPS AND A LARGE CENTER ISLAND, perfect for cooking and entertaining. With 2.5 BATHROOMS, a VERSATILE UPSTAIRS LOFT ideal for a home office, entertainment area, or media room, and a SPACIOUS SECOND-FLOOR LAUNDRY ROOM, this home offers convenience and functionality for everyday living. LOVE OUTDOOR LIVING? You'll love the LARGE, FULLY FENCED BACKYARD, offering plenty of space for entertaining, weekend barbecues, pets, gardening, or simply relaxing and enjoying Florida's beautiful weather! RESORT-STYLE AMENITIES RIGHT IN YOUR COMMUNITY! Enjoy an impressive selection of amenities, including a beautiful CLUBHOUSE, SWIMMING POOL, FITNESS CENTER, TENNIS COURTS, BASKETBALL COURTS, DOG PARK, AND TOT LOT PLAYGROUND. Planning a special celebration? The COMMUNITY EVENT ROOM provides a wonderful space for your next gathering! Outdoor enthusiasts will appreciate the FISHING DOCK, CANOE LAUNCH, BOAT LAUNCH, AND CHARMING GAZEBO, surrounded by picturesque lakes and natural scenery. EXCEPTIONAL HOA VALUE! The HOA includes access to these fantastic amenities, CABLE TV, AND HIGH-SPEED INTERNET! The community also features NEWLY INSTALLED FIBER-OPTIC INTERNET INFRASTRUCTURE, offering enhanced connectivity for working from home, streaming, and everyday activities. LOCATION, LOCATION, LOCATION! Conveniently situated approximately FIVE MINUTES FROM I-4, this home offers easy access to Orlando, Tampa, WALT DISNEY WORLD, LEGOLAND, BUSCH GARDENS, FLORIDA'S BEAUTIFUL BEACHES, shopping, dining, entertainment, and much more! BUT HERE'S WHAT TRULY SETS THIS HOME APART! ASSUMABLE MORTGAGE WITH AN EXCEPTIONALLY LOW INTEREST RATE! The sellers are offering qualified buyers the opportunity to assume their existing mortgage at a rate SIGNIFICANTLY LOWER THAN CURRENT MARKET RATES! Even better, this financing option offers the potential for NO LENDER-REQUIRED DOWN PAYMENT AND LOWER CLOSING COSTS! WHY PAY TODAY'S HIGHER INTEREST RATES WHEN YOU MAY BE ABLE TO TAKE ADVANTAGE OF A MUCH LOWER ONE? DON'T MISS THIS INCREDIBLE OPPORTUNITY! Whether you're drawn to the spacious backyard, versatile loft, beautiful waterfront community, outstanding amenities, or exceptional financing opportunity, THIS HOME HAS IT ALL! CALL TODAY to learn more about the mortgage assumption process and schedule your private showing! YOUR NEXT HOME AND AN INCREDIBLE LIFESTYLE ARE WAITING FOR YOU!

2227 Caspian Drive, Lakeland

5238 Highlands Lakeview Loop, Lakeland
$649,900
5 Beds ⋅ 3 Baths ⋅ Highlands-By-The-Lake Ph 01 & Ph 02 SubDv. ⋅ 33812 Zip Code
Virtually Staged. If your dream home is a charming, high-quality, five-bedroom residence with flexible spaces and a spacious yard, this stunning custom Hulbert Construction property in Highlands by the Lake delivers all this and more! The curb appeal is captivating, featuring a traditional exterior with crisp paint, Hardie board siding, shutters, a front porch, double doors, and an extended paver driveway leading to a side-loading three-car garage. The classic floor-plan includes a double stairway with hardwood flooring, formal and informal living and dining areas, and a thoughtfully designed layout for added convenience and adaptability throughout the years. Upgrades like crown molding, a double-sided fireplace in the living rooms, fresh paint, and updated windows enhance the home’s impressive, yet inviting atmosphere. The kitchen offers a perfect blend of functional space for meal preparation and comfortable seating areas for gatherings with loved ones; key highlights include stainless appliances, Bosch dishwasher, a breakfast bar, two separate sinks, a built-in desk, and a generous pantry. Adjacent to the kitchen is a private laundry room with storage and a chute from upstairs. A nearby guest wing features a full bathroom (which could be used as a pool bathroom with exterior access) and a nice bedroom with a private door to the garage, making it ideal for a home office, guests, or other multi-generational living needs. Upstairs, there’s a lovely primary suite with an en-suite bathroom, including a soaking tub, shower, dual sinks, and water closet. Three additional bedrooms and a large third bathroom with dual sinks complete the living quarters. There’s also walk-in access to the attic upstairs for easily accessible storage. Situated on a corner lot with ample green space, this property offers plenty of room for outdoor enjoyment or even the addition of a pool, all enjoyed from the comfort of the covered and screened back porch. This sought-after, gated community in South Lakeland provides access to a clubhouse, a pool with spa, tennis and pickleball courts. This “forever home” offers understated luxury, an exceptional location, and a layout can evolve to suit your needs through the stages of life ahead, making it a sound investment and a wonderful place to call home, for years to come!

5238 Highlands Lakeview Loop, Lakeland

2637 Grace Manor, Lakeland
$699,900
4 Beds ⋅ 3 Baths ⋅ W F Hallam & Cos Lakeland Highlands Club Acre Lts SubDv. ⋅ 33812 Zip Code
This Beautiful home has 4 bedroom, 3 Full bathrooms home, plus a full office/den and sits on almost a half acre with No HOA!!! The property has been completely remodeled inside and out and features lots of high end custom finishes. The curb appeal is incredible and this property is perfectly situated on the oversized lot to allow for lots of privacy and optimal usage of both the front and back yard! This home does not feel like your typical South Lakeland home...it has much more character and charm! Some of the upgrades include luxury vinyl plank floors throughout, real wood cabinets in the kitchen and laundry room, quartz counter tops, stainless appliances, brushed gold hardware and accents throughout including lighting and ceiling fans, new windows, glamour bathrooms with custom vanities and super high end tile finishes, and much more! The pool has been completely remodeled with new interior finish, new tile and new equipment! The floorplan is very open and features full second master suite with the bathroom also allowing for access from the pool and private screened lanai! The laundry room is huge and has more cabinetry than many kitchens have and also features a deep sink. The side entry two car garage is very private and spacious and has windows allowing for lots of light. The yard is completely fence with new Vinyl fencing and both side yards have more than enough room for parking boats or Rv's as needed. With no hoa restrictions and so many upgrades on a move in ready property this is truly a dream home for many buyers! The property is also located in the heart of South Lakeland, close to everything and zoned for what many consider the most sought after school zones in the entire county. This property is also eligible for all financing types, including Conventional, FHA and VA. Schedule your showing today while this rare offering is still available!

2637 Grace Manor, Lakeland

9717 Moore Road, Lakeland
$319,900
3 Beds ⋅ 2 Baths ⋅ Country Meadows SubDv. ⋅ 33809 Zip Code
BRAND-NEW 2026 MOBILE HOME ON 0.60 ACRES – NO HOA – CONVENIENT NORTH LAKELAND LOCATION! This brand-new 2026 mobile home offers a comfortable blend of modern living, spacious surroundings, and country-style charm. Featuring 3 bedrooms, 2 bathrooms, and a generous 0.60-acre lot, this property provides plenty of room to enjoy the Florida lifestyle. With a brand-new home comes the comfort and peace of mind of modern construction, while the expansive lot offers endless possibilities. Create a private backyard retreat, entertain family and friends, garden, or simply relax and enjoy the sunshine and open space. Best of all—there is no homeowners association! Enjoy the freedom of owning your property without HOA fees or restrictive HOA rules. The spacious lot is ideal for buyers seeking additional room to spread out while remaining close to everyday conveniences. Location is another major advantage. Situated in North Lakeland, this home offers convenient access to shopping, restaurants, schools, and daily essentials. Interstate 4 is just a short drive away, making commutes toward Tampa, Orlando, and surrounding Central Florida communities convenient. Whether you’re a first-time homebuyer, looking to downsize, or searching for a brand-new home with land, this property is an opportunity you won’t want to miss. BRAND-NEW HOME! 0.60 ACRES! NO HOA! GREAT LOCATION! Why settle for an older home when you can enjoy the benefits of brand-new construction and the space you’ve been looking for?

9717 Moore Road, Lakeland

7265 Millbrook Oaks Drive, Lakeland
$624,900
3 Beds ⋅ 3 Baths ⋅ Millbrook Oaks SubDv. ⋅ 33813 Zip Code
2.32 acres, a private pool, and plenty of room to enjoy the Florida lifestyle! If you've been wanting a little more space and privacy without feeling far from everything, this South Lakeland home might be just what you've been looking for! Located in the gated community of Millbrook Oaks, this 3-bedroom, 3-bath home has so much to love, inside and out. As soon as you walk in, you'll notice the high ceilings, crown molding, and spacious, welcoming layout. The living room has a wood-burning fireplace that makes it feel extra cozy, and the formal dining room is perfect for hosting holidays or having friends over for dinner. There's also a separate office with built-in shelving, giving you a great spot to work from home or enjoy your favorite hobbies. The kitchen is one of those spaces where everyone naturally ends up gathering. You'll find stone countertops, stainless steel appliances, a cooktop island, built-in oven and microwave, and a walk-in pantry. There's a breakfast nook overlooking the pool, too! Open the French doors and you've got an easy transition from morning coffee inside to relaxing outside. The split-bedroom layout gives you a little extra privacy, and the primary suite is a lovely place to unwind. It features wood flooring, a walk-in closet, access to its own screened porch, and a spacious bathroom with dual sinks, a walk-in shower, and a soaking tub. You'll also appreciate the two additional bedrooms, a bathroom with direct pool access, and an interior laundry room with extra storage. Now, let's talk about the backyard, because this might just become your favorite part! Picture slow mornings on the covered lanai, sunny afternoons in the screened pool, and evenings spent outside enjoying the peaceful surroundings. Beyond the pool, there's a spacious yard with mature landscaping, a fenced area, extra patio space, and a beautiful magnolia tree. Whether you love entertaining, gardening, or simply having room to relax, there's so much to enjoy here. And the best part? You get that peaceful, tucked-away feeling while still being close to South Lakeland's shopping, restaurants, and outdoor recreation. It's easy to picture yourself settling in, inviting friends over for a pool day, and enjoying a little more of what makes Florida living so special. Come take a look and see how easily this place could feel like home!

7265 Millbrook Oaks Drive, Lakeland

7118 Canopy Lane, Lakeland
$378,900
4 Beds ⋅ 3 Baths ⋅ Fulton Meadows SubDv. ⋅ 33809 Zip Code
Virtually Staged. Under Construction. Imagine having a place for everything, and finally enough space for everyone! The Kissimmee by LGI Homes at Fulton Meadows delivers the kind of flexibility that makes a house feel like it was designed just for you. Step inside this stunning two story home and discover 1,981 square feet filled with possibilities. Four spacious bedrooms and three full bathrooms mean overnight guests, busy schedules, and everyday routines all have room to coexist. Downstairs, the kitchen sets the stage for everything from quick weekday breakfasts to celebrations worth gathering for, complete with beautiful quartz countertops, included appliances, and modern finishes. Head upstairs and discover one of this home's most exciting features, a versatile loft that gives you an entirely new space to make your own. Think game nights, a second living area, a reading retreat, or the perfect work from home setup. Every detail has been considered, with impressive upgrades already included in the price. Located in the growing Lakeland community of Fulton Meadows, this home combines the excitement of new construction with the comfort of knowing you have room for what's next. Even better, lease to own opportunities are available for qualified buyers, offering another potential path to homeownership. Why settle for a home that simply fits today when you can have one ready for tomorrow? Come experience the Kissimmee for yourself!

7118 Canopy Lane, Lakeland

7715 Glen Meadow Drive, Lakeland
$259,900
4 Beds ⋅ 2 Baths ⋅ Country View Estates SubDv. ⋅ 33810 Zip Code
Like-new 2000 model manufactured home situated on a beautiful 0.62-acre lot in a very nice North Lakeland location! This spacious 4-bedroom, 2-bath home offers approximately 1,620 square feet of living area and has been extensively updated and improved, making it move-in ready. Recent improvements include a new AC system, new carpet and vinyl flooring throughout, new refrigerator, stove and dishwasher, new water heater, fresh paint and trim, new kitchen countertops, and numerous upgrades to both bathrooms. The home also features a cozy fireplace, providing a welcoming focal point for the living area. Outside, enjoy a fenced backyard, a spacious front deck, and a large storage shed offering plenty of room for tools, equipment, hobbies, and extra storage. There is also a drive-under carport and paved driveway. The property is not in a flood zone and has no HOA, providing added flexibility and convenience. The home is serviced by private well and septic. Conveniently located in North Lakeland with plenty of land and privacy while still being close to area amenities. Offered at $259,900. Conventional, FHA, and VA financing available. Features: 4 bedrooms / 2 bathrooms Approximately 1,620 SF living area 0.62-acre lot 2000 manufactured home New AC New flooring throughout New kitchen appliances New water heater New paint and trim New kitchen countertops Updated bathrooms Fireplace Fenced backyard Front deck Large storage shed Drive-under carport Paved driveway Well and septic No HOA No flood zone

7715 Glen Meadow Drive, Lakeland

8249 Peak Avenue, Lakeland
$429,950
4 Beds ⋅ 3 Baths ⋅ High Pointe North SubDv. ⋅ 33810 Zip Code
Welcome to a home that blends peaceful living with a vibrant Florida lifestyle. This beautifully maintained built in 2007 4-bedroom, 3-bath Lakeland retreat offers space, comfort, and a backyard oasis designed for relaxation and connection. Inside, natural light fills the open, flowing living areas, creating a warm and inviting atmosphere from the moment you step in. The thoughtful split-bedroom layout ensures privacy for everyone. The primary suite provides a serene escape with a spa-inspired bath, and walk-in closet. In addition to a GREAT master bedroom, this home features an In-Law suite with its' own full private bathroom perfect for multi-generational living. Step outside to your personal sanctuary. A sparkling in-ground pool sits beneath a screened lanai, offering peaceful mornings, relaxing afternoons, and unforgettable evenings. The backyard continues with a cozy fire pit area perfect for gatherings under the stars, plus a storage shed for tools, hobbies, or extra space. The garage includes a built-in workspace, adding functionality for DIY projects, crafts, or organized storage. With generous bedrooms, three full bathrooms, and outdoor spaces crafted for both tranquility and fun, this home delivers a dynamic yet peaceful lifestyle in one of Lakeland’s most desirable pockets. This home is located in North Lakeland minutes away from some of your favorite eateries, shops, and parks. And a short drive to I-4, you can head towards Orlando or Tampa to spend the day at the beach, Busch Gardens, Disney, the Outlets for some high-end shopping. The roof is the original roof built in 2007 the Sellers are offering $8,000 to the Buyer, and HVAC replaced 2016.

8249 Peak Avenue, Lakeland

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