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4605 San Paulo Ct, Lakeland, FL, 33813

4beds
2baths
2,158sqft
$434,900
$202price/sqft
$3,359/moest. monthly cost
$134,360/yrincome needed

About This Home

Welcome to this spacious and well-maintained 4-bedroom, 2-bath home nestled on an oversized 1/3-acre lot in desirable South Lakeland! This property offers plenty of room both inside and out, featuring a functional layout with generous living areas and a 2-car garage. Recent upgrades include a brand new 2024 A/C system and a 2022 water heater, giving buyers peace of mind on major systems. Unique features include an air-conditioned storage room and a walk-in pantry with its own A/C vent—perfect for extra conditioned storage or specialty use. The kitchen offers ample cabinetry and storage space, while the home provides great flexibility for families, entertaining, or working from home. Enjoy the added concrete wall running along one side of the property, along with a large yard that offers endless possibilities for outdoor living, pets, or future improvements. Conveniently located near shopping, dining, and top-rated schools, and less than an hour from both Tampa and Orlando, this home combines space, comfort, and location—don’t miss this opportunity!

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
20
BikeSomewhat Bikeable

Schools

5/10

Construction

Condition

  • Year built: 1979

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Range,Refrigerator
  • Laundry features: Inside

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Eating Space In Kitchen,Primary Bedroom Main Floor,Stone Counters
  • Door features: Sliding Doors
  • Flooring: Laminate,Tile,Hardwood
  • Fireplace features: Family Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 3,363
  • Total interior livable area: 2,158 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First

Property

Details

  • Parcel number: 242908279460000010
  • Zoning: RA-1
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Fire Pit

Lot

  • Lot size: 0.32 Acres
  • Lot size dimensions: 90 x 155

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
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High

How This Home’s Risks Compare

Hurricane
Lightning
Strong Wind

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 $2,199$26,388
Home Insurance *$408$4,896
Property Taxes $535$6,420
Electricity $217$2,606
Total$3,359$40,308
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$115,165/yr
40% on housing$100,770/yr
45% on housing$89,573/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

$202This 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)

Price History

DateEventPrice
2026-05-01Price change$434,900
2026-04-17Price change$444,900
2026-04-03Listed for sale$449,900
2012-11-06Sold$185,000
2012-09-08Listed for sale$189,900
2011-11-30Sold$83,000
2011-07-20Sold$101,500
2002-04-05Sold$126,400

For Sale by Agent

AgentRafael Lozano, III
BrokerageLA ROSA REALTY PRESTIGE

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