402 E POINSETTIA STREET, LAKELAND, FL, 33803
Active171 days on marketListed Feb 25, 2026MLS #L4959641
About this home
402 E POINSETTIA STREET
Historic charm meets modern updates in this beautifully maintained 1920 home located in one of Lakeland’s most sought-after neighborhoods. Just minutes from downtown Lakeland and walking distance to Lake Hollingsworth and Publix Super Market at Southgate Shopping Center, this timeless property offers over 2,000 square feet of inviting living space filled with character and warmth. Inside, natural light pours through the home, highlighting original architectural details, updated finishes, and spacious living areas designed for both everyday comfort and entertaining. The updated kitchen blends modern functionality with the home’s classic historic appeal, while recent upgrades including two new AC units and air handlers (2021), updated flooring in the main living areas, brand-new kitchen appliances (Dec. 2025), and a new driveway (Dec. 2023) provide added peace of mind. Featuring 4 bedrooms and 2.5 bathrooms, this home offers the perfect balance of historic beauty and modern convenience in a prime Lakeland location near restaurants, shopping, parks, and the scenic walking paths surrounding Lake Hollingsworth.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,048
Sqft
0.15 ac
Lot size
1920
Year built
Two
Levels
$207
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.
$3,161 /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
$3,161/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
+18.5%
$/sqft vs Lakeland actives
$207 vs $193
Days on market
171 vs 45 typical
Where $207/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 Lake Hollingsworth
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lakeland. See the full Lakeland guide →
Lake Hollingsworth — neighborhood snapshot
Population
3,551
Median age
41
Median income
$122,863
Median home value
$383,750
Avg household
3
Households w/ children
439
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 → $325K
Lakeland median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
215 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 42% above the LAKELAND 33803 median. See the full Lakeland market guide →
Paper trail
This home's history
Reality check
What actually sold near 402 E POINSETTIA STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$315,000
307 E BEACON ROAD · same community
4 bd · 3 ba · 1,821 sqft · $173/sqft · 120 DOM
Sold · Oct ’25$269,000
120 E POINSETTIA STREET · same community
3 bd · 2 ba · 1,646 sqft · $163/sqft · 10 DOM
Sold · Mar ’26$367,000
208 E POINSETTIA STREET · same community
2 bd · 2 ba · 1,542 sqft · $238/sqft · 28 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 402 E POINSETTIA STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 402 E POINSETTIA STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
402 E POINSETTIA STREET FAQs
What would the monthly payment be for 402 E POINSETTIA STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,161/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 402 E POINSETTIA STREET?+
The most recent tax bill on record (2025) was $3,741. 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 $424,900, this home is listed about 25% above the Lakeland median of $339,000. The market section on this page shows how the area is trending.
Which schools are assigned to 402 E POINSETTIA STREET?+
Lakeland Senior High School (high), Philip O'Brien Elementary School (elementary), Crystal Lake Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$424,900 runs 42% above the LAKELAND 33803 median — but at 2,048 sqft it's also 18% larger than the typical Lakeland listing.
02Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
03Time on market is leverage
171 days on market against a Lakeland median of 45 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $449,000, now $424,900 — a $24K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of S & D REAL ESTATE SERVICE LLC · Lillian Hein. MLS #L4959641.
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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