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4050 WHISTLEWOOD CIRCLE, Lakeland, FL, 33811

3beds
2baths
1,814sqft
$329,900
$182price/sqft
$2,599/moest. monthly cost
$103,960/yrincome needed

About This Home

Experience peaceful waterfront living in the sought-after gated community of Carillon Lakes! This beautifully maintained 3-bedroom, 2-bath home offers a desirable split-bedroom floor plan designed for both comfortable everyday living and effortless entertaining. From the moment you enter, you’ll appreciate the spacious living area, formal dining room, and abundant natural light throughout. The private primary suite is a relaxing retreat featuring walk-in closets, direct access to the screened lanai, and an ensuite bath with dual vanities, a soaking garden tub, and a separate shower. Two generously sized guest bedrooms are tucked away on the opposite side of the home, providing privacy for family or visitors. The well-appointed kitchen offers ample cabinetry, gas stove, plenty of countertop space, and a cozy breakfast nook overlooking the living areas. Step outside to the screened lanai and unwind while taking in tranquil water views with no rear neighbors—an ideal setting for morning coffee, evening sunsets, or entertaining friends. This home has been thoughtfully updated with major improvements, including a new roof (2020), energy-efficient windows (2021), HVAC system (2021), water heater (2022), and a complete re-plumb in 2025, providing added value and peace of mind for years to come. Carillon Lakes offers an exceptional lifestyle with resort-style amenities including a community pool, fitness center, tennis and pickleball courts, basketball court, playground, fishing lakes, scenic walking trails, and picnic areas. The HOA also includes lawn maintenance, basic cable and internet, maintenance of common areas, and the security of a 24-hour guard-gated entrance. Conveniently located just minutes from the Polk Parkway, I-4, Lakeland Linder International Airport, shopping, restaurants, and medical facilities, this home combines comfort, convenience, and an unbeatable community setting. Don’t miss this opportunity to own a beautifully maintained waterfront home in one of Lakeland’s most desirable gated communities. Schedule your private showing today!

Getting Around

6
WalkingCar-Dependent
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

3/10
2/10
3/10
Kathleen Senior High SchoolGrades PK,9-124.6 mi

Construction

Condition

  • Property condition: Completed
  • Year built: 2006

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Gas Water Heater,Microwave,Range
  • Laundry features: Laundry Room

Bedroom2

  • Features: Built-in Closet
  • Level: First
  • Area: 156
  • Dimensions: 13x12

Bedroom3

  • Features: Built-in Closet
  • Level: First
  • Area: 144
  • Dimensions: 12x12

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Area: 132
  • Dimensions: 12x11

Features

  • Ceiling Fan(s),Split Bedroom,Walk-In Closet(s)
  • Door features: Sliding Doors
  • Flooring: Carpet,Ceramic Tile

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,610
  • Total interior livable area: 1,814 sqft

Kitchen

  • Level: First
  • Area: 112
  • Dimensions: 14x8

Living Room

  • Level: First
  • Area: 169
  • Dimensions: 13x13

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 198
  • Dimensions: 18x11

Property

Details

  • Parcel number: 232831138049004720
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Patio,Screened
  • Exterior features: Irrigation System,Sidewalk
  • Has view: Yes
  • View description: Water,Pond
  • Has water view: Yes
  • Water view: Water,Pond
  • On waterfront: Yes
  • Waterfront features: Pond

Lot

  • Lot size: 7,192 sqft

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
    HurricaneVery High
  • Strong Wind
    Strong WindVery High
  • Lightning
    LightningRelatively High
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Hurricane
Strong Wind
Lightning
Inland Flooding
Tornado
Wildfire

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 $1,668$20,016
Home Insurance *$233$2,796
Property Taxes $501$6,012
Electricity $197$2,366
Total$2,599$31,188
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$89,108/yr
40% on housing$77,970/yr
45% on housing$69,306/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

$182This listing

vs Other Active Listings

Avg $/sqft

ZIP 33811$147
Polk County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 33811$192
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
2026-08-06Pending sale$329,900
2026-07-09Listed for sale$329,900
2024-05-28Sold$336,000
2024-03-30Pending sale$339,900
2024-03-27Listed for sale$339,900
2006-03-28Sold$193,000

For Sale by Agent

AgentJeanna Jackson
BrokerageKELLER WILLIAMS REALTY

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