3435 SWINDELL ROAD, LAKELAND, FL, 33810
Active60 days on marketListed Jun 15, 2026MLS #L4962777
About this home
3435 SWINDELL ROAD
Welcome home to 3435 Swindell Road, which is a 4-bedroom, 2-bathroom residence offering a functional layout and comfortable living spaces throughout. The main living areas feature durable tile flooring, while all four bedrooms are finished with laminate flooring for easy maintenance. The kitchen is designed for both everyday living and entertaining, showcasing granite countertops, an island with bar seating, and ample cabinet and workspace. Bedrooms two and three are connected by a convenient Jack-and-Jill bathroom configuration, while the guest bathroom offers a tub/shower combination and single vanity. Additional features include a dedicated laundry room, a whole-house generator for added peace of mind, and supplemental window A/C units that provide additional cooling options throughout the home. Step outside to enjoy the fully fenced backyard with a wood privacy fence, offering space for pets, play, gardening, or outdoor gatherings. Important updates include a septic drainfield replacement in 2022 and septic system service completed in August 2025. Conveniently located in Lakeland with easy access to shopping, dining, schools, and major roadways, this property offers a great combination of functionality, comfort, and value. Schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,449
Sqft
0.18 ac
Lot size
1971
Year built
One
Levels
$165
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.
$1,946 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$1,946/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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
−4.8%
$/sqft vs Lakeland actives
$165 vs $193
Days on market
60 vs 45 typical
Where $165/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 Winston
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Winston — neighborhood snapshot
Population
10,023
Median age
47
Median income
$45,211
Median home value
$79,754
Avg household
2
Households w/ children
920
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
$316K → $317K
Lakeland median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
221 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 28% below the LAKELAND 33810 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 3435 SWINDELL ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$255,000
3511 COLLEEN DRIVE · same community
3 bd · 1.5 ba · 1,288 sqft · $198/sqft · 1 DOM
Sold · Jun ’26$235,000
3519 COLLEEN DRIVE · same community
3 bd · 1.5 ba · 1,234 sqft · $190/sqft · 102 DOM
Sold · Oct ’25$210,000
3515 SWINDELL ROAD · same community
4 bd · 2 ba · 1,064 sqft · $197/sqft · 11 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
Arthur Middleton
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3435 SWINDELL ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3435 SWINDELL ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Arthur's phone and CRM.
Straight answers
3435 SWINDELL ROAD FAQs
What would the monthly payment be for 3435 SWINDELL ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,946/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 3435 SWINDELL ROAD?+
The most recent tax bill on record (2025) was $3,276. 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 $239,000, this home is listed about 29% below the Lakeland median of $338,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3435 SWINDELL ROAD?+
Jesse Keen Elementary School (elementary), Kathleen Senior High School (high), Sleepy Hill Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of ENGEL & VOELKERS LAKELAND · Lisa Matheny. MLS #L4962777.
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.
Never miss a listing
New Lakeland homes, in your inbox
Like 3435 SWINDELL ROAD but not quite? A daily digest of every new listing in Lakeland — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Arthur to ping you on any price or status change →