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List Price

$595,000

455 Osprey Landing, Lakeland, FL 33813

33 days on market

Estimated Payment

$5,332/mo

$0 down with a USDA loan and current market rates

Bedrooms4 bdBathrooms2 baLiving area2,495 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2002

Listed by

Linda Zedonek

REMAX EXPERTS

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

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  • Make your offer
  • Bring your agent
  • Close in one place

Welcome to this exquisite and meticulously maintained executive home with a POOL and sweeping views of the 7th hole at EAGLEBROOKE Golf Course. This highly sought after, gated community (with 24 hour guard) is designed for refined living and elegance. Built by Hulbert Homes, this custom home features 4 bedrooms, 2 full baths, a split plan, 10 ft ceilings, crown moulding, solid surface counters, custom window treatments and gorgeous engineered wood flooring. A large oversized primary suite allows extra space for a sitting area, and a spacious spa-like, en-suite bath with soaking tub, dual vanities and a walk in shower. Sliders from the primary bedroom, as well as 2 other sets of sliders, open to a beautiful screened, pavered, patio and sparkling POOL. You can entertain royally on this enormous patio, (with pool bath access) and admire the tranquil views, ambiance, and privacy of the golf course---no rear neighbors!! The kitchen features wood cabinets, solid surface counters and a pass-thru to the lanai for gracious entertaining. Enjoy peace & quite as this home is tucked very near the end of Osprey Landing and the Way only leads to a small cul de sac. Roof approx 7 years old, pool recently resurfaced, exterior garage pedestrian door and exterior door to pool bath replaced with composite doors, and the garage is OVERSIZED with extra space for a workshop area. All pictures with furniture taken while home was still occupied.

455 Osprey Landing, Lakeland, FL 33813 in Lakeland, FL 33813 is listed for $595,000. The home has 4 bedrooms, 2 bathrooms, and 2,495 square feet, and was built in 2002. Listed 33 days ago. The listing is held by REMAX EXPERTS.

33813 Market Report

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$7,017 (tax year 2025)
HOA fee$11 per month

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 0% down on a USDA Rural Development loan, based on the latest published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

0%

Down payment (0% of price): $0

$

$5,332/moest.

0% down -- about $1,021 more per month than 20% down conventional.

  • Principal & Interest 76%
  • Property Taxes 11%
  • Insurance 9%
  • HOA 0%
  • USDA Fee 3%
Principal & Interest
$4,065
Property Taxesfrom listing
$585
Insurance
$496
HOA
$11
USDA Annual Fee
$175

The USDA annual fee continues for the life of the loan.

Included in your loan amount

USDA Guarantee Fee (financed)
$5,950

30-year fixed at 7.164%, as of November 10, 2026

Assumptions

USDA Rural Development: upfront fee 1.00%, annual mortgage insurance 0.35%; fee schedule effective October 1, 2025.

Mortgage rate: 7.164% for a 30-year fixed loan (Optimal Blue daily, published November 10, 2026). Your actual rate depends on your credit, loan type, and lender.

Down payment: 0% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender. Area eligibility is one requirement; USDA also applies household income limits and requires a primary residence. Your lender determines eligibility.

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Frequently Asked Questions

The estimated monthly payment is $5,332, based on 0% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $7,017 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Oct 13, 2026 2:36 PM ET through Oct 14, 2026 2:36 PM ET. MLS# MFR812492628. HomeJam is not the listing broker.

List Price

$595,000

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