8404 MATHEWS ROAD, LAKELAND, FL, 33809
Active0 days on marketListed Aug 4, 2026MLS #L4963585
About this home
8404 MATHEWS ROAD
Welcome to your own private slice of Central Florida paradise. Located between Tampa and Orlando, this gorgeous farmhouse property on over 5 acres offers the ultimate homesteading lifestyle without sacrificing modern convenience. Situated just 5 miles from I-4, you can enjoy a quiet country retreat and still maintain an easy commute to either major city. Step inside the beautifully updated home to find a bright, welcoming layout designed for easy modern living. The heart of the home features a spacious, open kitchen area boasting stainless steel appliances, abundant cabinet and pantry storage, and a convection oven—perfect for preparing large meals and hosting memorable gatherings. Car enthusiasts, contractors, or truck owners will love the oversized two-car garage, specifically designed with the depth and clearance to comfortably fit two full-size trucks. The home provides total peace of mind with major structural upgrades, including a new roof and AC systems. A standout feature of the interior is the versatile, fully air-conditioned bonus room located right off the back porch—perfectly suited for a quiet home office, creative hobby space, or studio. Built to withstand weather, this property has remained dry through the Florida hurricane seasons. For ultimate storm readiness, the main electrical panel comes fully wired with a dedicated generator hookup. The acreage itself is a dream come true: a beautiful blend of open land and partly wooded areas and a flowing creek. The entire property is fully fenced and cross-fenced, making it entirely turn-key for livestock or horses. Equestrian and hobby farming enthusiasts will appreciate the 2-stall barn, custom chicken coop, dedicated garden area, and thriving fruit trees. Keeping the grounds lush is effortless thanks to two private wells powering an extensive underground irrigation system. Whether you are looking to cultivate your own mini-farm, trail ride, or simply escape the neighbors, this rare property delivers it all. The home is move-in ready and priced at appraised value to sell - call today for your private tour! This sale also includes Parcel #232712000000032440, an additional 0.72 acres that is fenced to use as a grazing pasture for animals or an incredible investment for a future homesite.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,480
Sqft
4.76 ac
Lot size
2
Garage
2005
Year built
One
Levels
$313
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.
$4,792 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,792/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+41%
Days on market
0 vs 43 typical
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 Lakeland
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
LAKELAND 33809 — neighborhood snapshot
Population
30,498
Median age
42.6
Median income
$67,112
Median home value
$248,700
Avg household
2.58
Households w/ children
3,738
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 → $316K
Lakeland median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
Median sold price, Lakeland, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 138% above the LAKELAND 33809 median. See the full Lakeland market guide →
Paper trail
This home's history
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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 8404 MATHEWS ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 8404 MATHEWS ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
8404 MATHEWS ROAD FAQs
What would the monthly payment be for 8404 MATHEWS ROAD?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,792/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 8404 MATHEWS ROAD?+
The most recent tax bill on record (2025) was $1,913. 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 $775,000, this home is listed about 127% above the Lakeland median of $341,850. The market section on this page shows how the area is trending.
Which schools are assigned to 8404 MATHEWS ROAD?+
Edgar L. Padgett Elementary (elementary), Lake Gibson Middle School (middle), Lake Gibson Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of DREAM REALTY GROUP · Katie Smith. MLS #L4963585.
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.
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