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509 Rob Roy St, Lakeland, FL, 33813

3beds
2baths
2,124sqft
$377,500
$178price/sqft
$2,975/moest. monthly cost
$119,000/yrincome needed

About This Home

Under contract-accepting backup offers. Short Sale. BANK APPROVED PRICE! Welcome to this beautifully maintained 3-bedroom, 2-bathroom ranch-style home, nestled in a peaceful and established community with convenient access to dining, shopping, and major roadways. Here are a few of the upgrades to the home, Trane A/C System 2017, roof (home and shed) 2017, electrical box 2017, new double paned windows 2018, privacy fence 2018, new luxury vinyl flooring in 2019, new recessed lighting with dimmers in 2019, bluetooth garage door opener with camera 2020, custom window treatments 2018, termite prevention system installed and inspected quarterly 2021, septic tank pumped and checked 2021, irrigation system checked and expanded in 2021 and so much more! Step inside to discover an updated kitchen featuring granite countertops, stainless steel appliances, and ample cabinet space—perfect for both everyday living and entertaining. The spacious living areas flow seamlessly, leading to a bright and inviting sunroom at the back of the home. Flooded with natural light, the sunroom offers a relaxing retreat with picturesque views of the large, landscaped backyard—ideal for enjoying morning coffee or hosting guests. With generously sized bedrooms, modernized bathrooms, and thoughtful updates throughout, this home combines comfort, style, and functionality in an unbeatable location. Don’t miss the opportunity to make this move-in ready gem your own!

Getting Around

56
WalkingSomewhat Walkable
0
TransitVery Limited Transit
51
BikeBikeable

Schools

4/10
Southwest Middle SchoolGrades 6-81.9 mi
5/10

Construction

Condition

  • Year built: 1965

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Range,Range Hood,Refrigerator
  • Laundry features: Inside,Laundry Room

Bedroom2

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 110
  • Dimensions: 11x10

Bedroom3

  • Features: Built-in Closet
  • Level: First
  • Area: 110
  • Dimensions: 11x10

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Den

  • Level: First
  • Area: 198
  • Dimensions: 18x11

Dining Room

  • Level: First
  • Area: 120
  • Dimensions: 10x12

Family Room

  • Level: First
  • Area: 266
  • Dimensions: 19x14

Features

  • Eating Space In Kitchen,Kitchen/Family Room Combo,Open Floorplan,Primary Bedroom Main Floor,Solid Surface Counters,Thermostat
  • Door features: Sliding Doors
  • Flooring: Tile,Hardwood
  • Fireplace features: Decorative
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,774
  • Total interior livable area: 2,124 sqft

Kitchen

  • Level: First
  • Area: 198
  • Dimensions: 11x18

Laundry

  • Level: First
  • Area: 88
  • Dimensions: 11x8

Living Room

  • Level: First
  • Area: 204
  • Dimensions: 17x12

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 165
  • Dimensions: 15x11

Property

Details

  • Parcel number: 242906000000041180
  • Zoning: R-1
  • Special condition: Short Sale

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Lighting
  • Residential vegetation: Mature Landscaping,Trees/Landscaped

Lot

  • Lot size: 0.37 Acres
  • Features: City Lot,Landscaped,Level

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Lightning
    LightningModerate

How This Home’s Risks Compare

Hurricane
Strong Wind
Lightning

FEMA Declared Disasters in Polk County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,908$22,896
Home Insurance *$354$4,248
Property Taxes $500$6,000
Electricity $213$2,565
Total$2,975$35,700
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$102,000/yr
40% on housing$89,250/yr
45% on housing$79,333/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.8%
11.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 6.0%
6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$178This listing

vs Other Active Listings

Avg $/sqft

ZIP 33813$175
Polk County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 33813$205
Polk County$179

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-05-14Pending sale$350,000
2026-05-14Price change$350,000
2025-12-08Price change$377,500
2025-08-12Pending sale$430,000
2025-07-17Price change$430,000
2025-05-22Listed for sale$435,000
2025-04-05Listing removed$478,000
2025-02-06Price change$478,000
2024-12-18Price change$479,000
2024-09-11Price change$480,000
2024-07-29Listed for sale$485,000
2023-06-20Sold$469,000
2023-05-23Pending sale$469,000
2023-04-18Listed for sale$469,000
2023-04-11Pending sale$469,000
2023-04-07Listed for sale$469,000
2022-03-18Sold$451,000
2022-01-22Pending sale$399,900
2022-01-19Listed for sale$399,900
2017-04-06Listing removed$237,900
2017-03-07Price change$237,900
2017-02-24Price change$244,900
2017-02-07Listed for sale$249,900
2005-02-08Sold$230,500

Pre-Foreclosure - For Sale by Agent

AgentCasandra Vann
BrokerageKELLER WILLIAMS REALTY SMART

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