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List Price

$394,000

6864 Mossy Oak, Lakeland, FL 33810

84 days on market↓ $16K from original list price

Estimated Payment

$3,441/mo

$0 down with a USDA loan and current market rates

Bedrooms4 bdBathrooms2 baLiving area2,365 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2023

Listed by

Christine Pasqualino

COLDWELL BANKER REALTY

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.

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

You will feel right at home stepping into effortless Florida living in this beautifully maintained 2023 built home, where modern design meets every day living. Thoughtfully loved and cared for since day one, this home feels practically brand new. With an open concept and split floor plan, it's the perfect home for quiet nights or easy entertaining. The kitchen is designed to be to be the heart of the home, with modern cabinetry. This home also includes upgraded high-speed internet wiring throughout, providing fast and reliable connections for streaming, working from home, gaming, and everyday use. The living area is also pre-wired for surround sound, making it easy to create a clean, built-in home theater without the hassle of running speaker wires., and a layout that keeps everything within reach. There is luxury vinyl flooring through most of the home, with carpet in the three secondary bedrooms. It has an oversized three-car garage that has the wiring in place for a car charger.

6864 Mossy Oak, Lakeland, FL 33810 in Lakeland, FL 33810 is listed for $394,000. The home has 4 bedrooms, 2 bathrooms, and 2,365 square feet, and was built in 2023. Listed 84 days ago. The price was reduced from $410,000. The listing is held by COLDWELL BANKER REALTY.

33810 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$3,341 (tax year 2025)
HOA fee$63 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 today's published rate.

Illustrative estimate

Loan Program

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

0%

Down payment (0% of price): $0

$

$3,441/moest.

  • Principal & Interest 77%
  • Property Taxes 8%
  • Insurance 10%
  • HOA 2%
  • USDA Fee 3%
Principal & Interest
$2,656
Property Taxesfrom listing
$278
Insurance
$328
HOA
$63
USDA Annual Fee
$116

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

Included in your loan amount

USDA Guarantee Fee (financed)
$3,940

30-year fixed at 7.03%, as of September 24, 2026

Assumptions

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

Mortgage rate: 7.03% for a 30-year fixed loan, published September 24, 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 $3,441, 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 $3,341 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 Sep 27, 2026 5:58 AM ET through Sep 28, 2026 5:58 AM ET. MLS# MFR795463274. HomeJam is not the listing broker.

List Price

$394,000

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