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4620 S Gary Ave

Lakeland, FL, 33813

For Sale $389,900 ($207.50 per Sq Ft)

$389,900 ($207.50 per Sq Ft)

☆☆☆☆☆★★★★★
Not Rated
(0)

3 Bedrooms
2 Bathrooms
1,879 Sq Ft
10,650 Sq Ft

Description

This adorable 3-bedroom, 2-bath home seamlessly blends classic charm with modern upgrades! Located on a quiet street! Recently renovated, the home features a brand-new kitchen with stunning Quartzite countertops, updated flooring, and a newer roof and HVAC for peace of mind. The plumbing system has been upgraded to PEX and comes with a warranty, along with the convenience of a tankless water heater. Additionally, the home includes a newer septic system and drain field, ensuring worry-free maintenance.

Inside, the high ceilings in the living room create an open and airy feel, perfect for relaxing or entertaining. Step outside to your oversized, fully fenced backyard—an oasis of privacy featuring a small above-ground pool and plenty of space to enjoy the outdoors. With no HOA, there's ample room to park your camper or boat.

Located in an amazing location, this home is just minutes from Publix, shopping, gyms, restaurants, and the Polk Parkway, making commuting a breeze. It’s a quick drive to both Tampa and Orlando, offering easy access to all the best entertainment, dining, and attractions in Central Florida.

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Amenities

Garage

Pool

Garden

Security System

Internet

Telephone

Heating

Fireplace

Balcony & Patio

TV / Cable

Laundry

Hardwood Floors

Spa

Air Conditioning

Solar Power

Floor Plan

Great Views

Natural Light

Quiet

Water View

Elevator

Guest Unit(s)

Furnished

220 Volt

Property Details

List Price	$389,900
Property Type	Single Family Homes
Usable Sqft	1,879
Number of Stories	1 stories
Parking Spots	1 spots
Year Built	1956
Last Sold	Unknown
Sold Price	Unknown

APN #	232912140000006080
MLS #	L4951032
Property ID	319886200
Lot Sqft	10,650
Zoning	R-2
Days on Market	33
Original List Price	$389,900
Applicances	Convection Oven, Dishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator, Tankless Water Heater%
Date Updated	March 16, 2025
Date Created	February 25, 2025

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Your payment
$2,893
per month

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Principle & Interest

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Estimated payment	$2,893 /mo
Loan amount	$389,900
Down payment	$0
Interest rate	7.5%
Loan term	30 years
Taxes & insurance included?	YES
Property tax	1.2%/YR
Homeowner's insurance	$67/mo
HOA dues	$0/mo

Payment Breakdown

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Your payment
$2,893
per month

Amortization

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Principal vs. interest

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Amortization Schedule

Over 360 months you will spend $591,780 in interest.

MONTH	PRINCIPAL & INTEREST	PRINCIPAL	INTEREST	PRINCIPAL REMAINING
1	$2,726	$289	$2,437	$389,611
2	$2,726	$291	$2,435	$389,320
3	$2,726	$293	$2,433	$389,027
4	$2,726	$295	$2,431	$388,733
5	$2,726	$296	$2,430	$388,436
6	$2,726	$298	$2,428	$388,138
7	$2,726	$300	$2,426	$387,838
8	$2,726	$302	$2,424	$387,536
9	$2,726	$304	$2,422	$387,232
10	$2,726	$306	$2,420	$386,926
11	$2,726	$308	$2,418	$386,618
12	$2,726	$310	$2,416	$386,309
13	$2,726	$312	$2,414	$385,997
14	$2,726	$314	$2,412	$385,684
15	$2,726	$315	$2,411	$385,368
16	$2,726	$317	$2,409	$385,051
17	$2,726	$319	$2,407	$384,731
18	$2,726	$321	$2,405	$384,410
19	$2,726	$323	$2,403	$384,086
20	$2,726	$325	$2,401	$383,761
21	$2,726	$327	$2,399	$383,433
22	$2,726	$330	$2,396	$383,104
23	$2,726	$332	$2,394	$382,772
24	$2,726	$334	$2,392	$382,439
25	$2,726	$336	$2,390	$382,103
26	$2,726	$338	$2,388	$381,765
27	$2,726	$340	$2,386	$381,425
28	$2,726	$342	$2,384	$381,083
29	$2,726	$344	$2,382	$380,739
30	$2,726	$346	$2,380	$380,392
31	$2,726	$349	$2,377	$380,044
32	$2,726	$351	$2,375	$379,693
33	$2,726	$353	$2,373	$379,340
34	$2,726	$355	$2,371	$378,985
35	$2,726	$357	$2,369	$378,628
36	$2,726	$360	$2,366	$378,268
37	$2,726	$362	$2,364	$377,906
38	$2,726	$364	$2,362	$377,542
39	$2,726	$366	$2,360	$377,176
40	$2,726	$369	$2,357	$376,807
41	$2,726	$371	$2,355	$376,436
42	$2,726	$373	$2,353	$376,063
43	$2,726	$376	$2,350	$375,687
44	$2,726	$378	$2,348	$375,309
45	$2,726	$380	$2,346	$374,929
46	$2,726	$383	$2,343	$374,546
47	$2,726	$385	$2,341	$374,161
48	$2,726	$387	$2,339	$373,774
49	$2,726	$390	$2,336	$373,384
50	$2,726	$392	$2,334	$372,992
51	$2,726	$395	$2,331	$372,597
52	$2,726	$397	$2,329	$372,200
53	$2,726	$400	$2,326	$371,800
54	$2,726	$402	$2,324	$371,398
55	$2,726	$405	$2,321	$370,993
56	$2,726	$407	$2,319	$370,585
57	$2,726	$410	$2,316	$370,176
58	$2,726	$412	$2,314	$369,763
59	$2,726	$415	$2,311	$369,348
60	$2,726	$418	$2,308	$368,931
61	$2,726	$420	$2,306	$368,510
62	$2,726	$423	$2,303	$368,088
63	$2,726	$425	$2,301	$367,662
64	$2,726	$428	$2,298	$367,234
65	$2,726	$431	$2,295	$366,803
66	$2,726	$433	$2,293	$366,370
67	$2,726	$436	$2,290	$365,934
68	$2,726	$439	$2,287	$365,495
69	$2,726	$442	$2,284	$365,053
70	$2,726	$444	$2,282	$364,609
71	$2,726	$447	$2,279	$364,161
72	$2,726	$450	$2,276	$363,711
73	$2,726	$453	$2,273	$363,259
74	$2,726	$456	$2,270	$362,803
75	$2,726	$458	$2,268	$362,345
76	$2,726	$461	$2,265	$361,883
77	$2,726	$464	$2,262	$361,419
78	$2,726	$467	$2,259	$360,952
79	$2,726	$470	$2,256	$360,482
80	$2,726	$473	$2,253	$360,009
81	$2,726	$476	$2,250	$359,533
82	$2,726	$479	$2,247	$359,054
83	$2,726	$482	$2,244	$358,572
84	$2,726	$485	$2,241	$358,087
85	$2,726	$488	$2,238	$357,599
86	$2,726	$491	$2,235	$357,108
87	$2,726	$494	$2,232	$356,614
88	$2,726	$497	$2,229	$356,117
89	$2,726	$500	$2,226	$355,617
90	$2,726	$503	$2,223	$355,113
91	$2,726	$507	$2,219	$354,607
92	$2,726	$510	$2,216	$354,097
93	$2,726	$513	$2,213	$353,584
94	$2,726	$516	$2,210	$353,068
95	$2,726	$519	$2,207	$352,549
96	$2,726	$523	$2,203	$352,026
97	$2,726	$526	$2,200	$351,500
98	$2,726	$529	$2,197	$350,971
99	$2,726	$532	$2,194	$350,439
100	$2,726	$536	$2,190	$349,903
101	$2,726	$539	$2,187	$349,364
102	$2,726	$542	$2,184	$348,821
103	$2,726	$546	$2,180	$348,275
104	$2,726	$549	$2,177	$347,726
105	$2,726	$553	$2,173	$347,173
106	$2,726	$556	$2,170	$346,617
107	$2,726	$560	$2,166	$346,058
108	$2,726	$563	$2,163	$345,495
109	$2,726	$567	$2,159	$344,928
110	$2,726	$570	$2,156	$344,358
111	$2,726	$574	$2,152	$343,784
112	$2,726	$577	$2,149	$343,207
113	$2,726	$581	$2,145	$342,626
114	$2,726	$585	$2,141	$342,041
115	$2,726	$588	$2,138	$341,453
116	$2,726	$592	$2,134	$340,861
117	$2,726	$596	$2,130	$340,265
118	$2,726	$599	$2,127	$339,666
119	$2,726	$603	$2,123	$339,063
120	$2,726	$607	$2,119	$338,456
121	$2,726	$611	$2,115	$337,845
122	$2,726	$614	$2,112	$337,231
123	$2,726	$618	$2,108	$336,613
124	$2,726	$622	$2,104	$335,990
125	$2,726	$626	$2,100	$335,364
126	$2,726	$630	$2,096	$334,734
127	$2,726	$634	$2,092	$334,100
128	$2,726	$638	$2,088	$333,463
129	$2,726	$642	$2,084	$332,821
130	$2,726	$646	$2,080	$332,175
131	$2,726	$650	$2,076	$331,525
132	$2,726	$654	$2,072	$330,871
133	$2,726	$658	$2,068	$330,213
134	$2,726	$662	$2,064	$329,551
135	$2,726	$666	$2,060	$328,884
136	$2,726	$670	$2,056	$328,214
137	$2,726	$675	$2,051	$327,539
138	$2,726	$679	$2,047	$326,860
139	$2,726	$683	$2,043	$326,177
140	$2,726	$687	$2,039	$325,490
141	$2,726	$692	$2,034	$324,798
142	$2,726	$696	$2,030	$324,102
143	$2,726	$700	$2,026	$323,402
144	$2,726	$705	$2,021	$322,697
145	$2,726	$709	$2,017	$321,988
146	$2,726	$714	$2,012	$321,274
147	$2,726	$718	$2,008	$320,556
148	$2,726	$723	$2,003	$319,834
149	$2,726	$727	$1,999	$319,107
150	$2,726	$732	$1,994	$318,375
151	$2,726	$736	$1,990	$317,639
152	$2,726	$741	$1,985	$316,898
153	$2,726	$745	$1,981	$316,153
154	$2,726	$750	$1,976	$315,403
155	$2,726	$755	$1,971	$314,648
156	$2,726	$759	$1,967	$313,889
157	$2,726	$764	$1,962	$313,124
158	$2,726	$769	$1,957	$312,355
159	$2,726	$774	$1,952	$311,582
160	$2,726	$779	$1,947	$310,803
161	$2,726	$783	$1,943	$310,020
162	$2,726	$788	$1,938	$309,231
163	$2,726	$793	$1,933	$308,438
164	$2,726	$798	$1,928	$307,640
165	$2,726	$803	$1,923	$306,836
166	$2,726	$808	$1,918	$306,028
167	$2,726	$813	$1,913	$305,215
168	$2,726	$818	$1,908	$304,396
169	$2,726	$824	$1,902	$303,573
170	$2,726	$829	$1,897	$302,744
171	$2,726	$834	$1,892	$301,910
172	$2,726	$839	$1,887	$301,071
173	$2,726	$844	$1,882	$300,227
174	$2,726	$850	$1,876	$299,377
175	$2,726	$855	$1,871	$298,523
176	$2,726	$860	$1,866	$297,662
177	$2,726	$866	$1,860	$296,797
178	$2,726	$871	$1,855	$295,926
179	$2,726	$876	$1,850	$295,049
180	$2,726	$882	$1,844	$294,167
181	$2,726	$887	$1,839	$293,280
182	$2,726	$893	$1,833	$292,387
183	$2,726	$899	$1,827	$291,488
184	$2,726	$904	$1,822	$290,584
185	$2,726	$910	$1,816	$289,674
186	$2,726	$916	$1,810	$288,759
187	$2,726	$921	$1,805	$287,837
188	$2,726	$927	$1,799	$286,910
189	$2,726	$933	$1,793	$285,978
190	$2,726	$939	$1,787	$285,039
191	$2,726	$945	$1,781	$284,094
192	$2,726	$950	$1,776	$283,144
193	$2,726	$956	$1,770	$282,188
194	$2,726	$962	$1,764	$281,225
195	$2,726	$968	$1,758	$280,257
196	$2,726	$974	$1,752	$279,283
197	$2,726	$980	$1,746	$278,302
198	$2,726	$987	$1,739	$277,316
199	$2,726	$993	$1,733	$276,323
200	$2,726	$999	$1,727	$275,324
201	$2,726	$1,005	$1,721	$274,319
202	$2,726	$1,012	$1,714	$273,307
203	$2,726	$1,018	$1,708	$272,289
204	$2,726	$1,024	$1,702	$271,265
205	$2,726	$1,031	$1,695	$270,234
206	$2,726	$1,037	$1,689	$269,197
207	$2,726	$1,044	$1,682	$268,154
208	$2,726	$1,050	$1,676	$267,104
209	$2,726	$1,057	$1,669	$266,047
210	$2,726	$1,063	$1,663	$264,984
211	$2,726	$1,070	$1,656	$263,914
212	$2,726	$1,077	$1,649	$262,838
213	$2,726	$1,083	$1,643	$261,754
214	$2,726	$1,090	$1,636	$260,664
215	$2,726	$1,097	$1,629	$259,567
216	$2,726	$1,104	$1,622	$258,464
217	$2,726	$1,111	$1,615	$257,353
218	$2,726	$1,118	$1,608	$256,236
219	$2,726	$1,125	$1,601	$255,111
220	$2,726	$1,132	$1,594	$253,980
221	$2,726	$1,139	$1,587	$252,841
222	$2,726	$1,146	$1,580	$251,695
223	$2,726	$1,153	$1,573	$250,542
224	$2,726	$1,160	$1,566	$249,382
225	$2,726	$1,167	$1,559	$248,215
226	$2,726	$1,175	$1,551	$247,040
227	$2,726	$1,182	$1,544	$245,858
228	$2,726	$1,189	$1,537	$244,669
229	$2,726	$1,197	$1,529	$243,472
230	$2,726	$1,204	$1,522	$242,268
231	$2,726	$1,212	$1,514	$241,056
232	$2,726	$1,219	$1,507	$239,836
233	$2,726	$1,227	$1,499	$238,609
234	$2,726	$1,235	$1,491	$237,375
235	$2,726	$1,242	$1,484	$236,132
236	$2,726	$1,250	$1,476	$234,882
237	$2,726	$1,258	$1,468	$233,624
238	$2,726	$1,266	$1,460	$232,358
239	$2,726	$1,274	$1,452	$231,084
240	$2,726	$1,282	$1,444	$229,803
241	$2,726	$1,290	$1,436	$228,513
242	$2,726	$1,298	$1,428	$227,215
243	$2,726	$1,306	$1,420	$225,909
244	$2,726	$1,314	$1,412	$224,595
245	$2,726	$1,322	$1,404	$223,273
246	$2,726	$1,331	$1,395	$221,942
247	$2,726	$1,339	$1,387	$220,604
248	$2,726	$1,347	$1,379	$219,256
249	$2,726	$1,356	$1,370	$217,901
250	$2,726	$1,364	$1,362	$216,537
251	$2,726	$1,373	$1,353	$215,164
252	$2,726	$1,381	$1,345	$213,783
253	$2,726	$1,390	$1,336	$212,393
254	$2,726	$1,399	$1,327	$210,994
255	$2,726	$1,407	$1,319	$209,587
256	$2,726	$1,416	$1,310	$208,171
257	$2,726	$1,425	$1,301	$206,746
258	$2,726	$1,434	$1,292	$205,312
259	$2,726	$1,443	$1,283	$203,869
260	$2,726	$1,452	$1,274	$202,418
261	$2,726	$1,461	$1,265	$200,957
262	$2,726	$1,470	$1,256	$199,487
263	$2,726	$1,479	$1,247	$198,007
264	$2,726	$1,488	$1,238	$196,519
265	$2,726	$1,498	$1,228	$195,021
266	$2,726	$1,507	$1,219	$193,514
267	$2,726	$1,517	$1,209	$191,998
268	$2,726	$1,526	$1,200	$190,472
269	$2,726	$1,536	$1,190	$188,936
270	$2,726	$1,545	$1,181	$187,391
271	$2,726	$1,555	$1,171	$185,836
272	$2,726	$1,565	$1,161	$184,272
273	$2,726	$1,574	$1,152	$182,697
274	$2,726	$1,584	$1,142	$181,113
275	$2,726	$1,594	$1,132	$179,519
276	$2,726	$1,604	$1,122	$177,915
277	$2,726	$1,614	$1,112	$176,301
278	$2,726	$1,624	$1,102	$174,677
279	$2,726	$1,634	$1,092	$173,043
280	$2,726	$1,644	$1,082	$171,398
281	$2,726	$1,655	$1,071	$169,743
282	$2,726	$1,665	$1,061	$168,078
283	$2,726	$1,676	$1,050	$166,403
284	$2,726	$1,686	$1,040	$164,717
285	$2,726	$1,697	$1,029	$163,020
286	$2,726	$1,707	$1,019	$161,313
287	$2,726	$1,718	$1,008	$159,595
288	$2,726	$1,729	$997	$157,867
289	$2,726	$1,739	$987	$156,127
290	$2,726	$1,750	$976	$154,377
291	$2,726	$1,761	$965	$152,616
292	$2,726	$1,772	$954	$150,844
293	$2,726	$1,783	$943	$149,061
294	$2,726	$1,794	$932	$147,266
295	$2,726	$1,806	$920	$145,461
296	$2,726	$1,817	$909	$143,644
297	$2,726	$1,828	$898	$141,816
298	$2,726	$1,840	$886	$139,976
299	$2,726	$1,851	$875	$138,125
300	$2,726	$1,863	$863	$136,262
301	$2,726	$1,874	$852	$134,388
302	$2,726	$1,886	$840	$132,502
303	$2,726	$1,898	$828	$130,604
304	$2,726	$1,910	$816	$128,694
305	$2,726	$1,922	$804	$126,772
306	$2,726	$1,934	$792	$124,839
307	$2,726	$1,946	$780	$122,893
308	$2,726	$1,958	$768	$120,935
309	$2,726	$1,970	$756	$118,965
310	$2,726	$1,982	$744	$116,983
311	$2,726	$1,995	$731	$114,988
312	$2,726	$2,007	$719	$112,980
313	$2,726	$2,020	$706	$110,960
314	$2,726	$2,033	$694	$108,928
315	$2,726	$2,045	$681	$106,883
316	$2,726	$2,058	$668	$104,825
317	$2,726	$2,071	$655	$102,754
318	$2,726	$2,084	$642	$100,670
319	$2,726	$2,097	$629	$98,573
320	$2,726	$2,110	$616	$96,463
321	$2,726	$2,123	$603	$94,340
322	$2,726	$2,136	$590	$92,204
323	$2,726	$2,150	$576	$90,054
324	$2,726	$2,163	$563	$87,891
325	$2,726	$2,177	$549	$85,714
326	$2,726	$2,190	$536	$83,524
327	$2,726	$2,204	$522	$81,320
328	$2,726	$2,218	$508	$79,102
329	$2,726	$2,232	$494	$76,871
330	$2,726	$2,246	$480	$74,625
331	$2,726	$2,260	$466	$72,366
332	$2,726	$2,274	$452	$70,092
333	$2,726	$2,288	$438	$67,804
334	$2,726	$2,302	$424	$65,502
335	$2,726	$2,317	$409	$63,185
336	$2,726	$2,331	$395	$60,854
337	$2,726	$2,346	$380	$58,508
338	$2,726	$2,360	$366	$56,148
339	$2,726	$2,375	$351	$53,773
340	$2,726	$2,390	$336	$51,383
341	$2,726	$2,405	$321	$48,978
342	$2,726	$2,420	$306	$46,558
343	$2,726	$2,435	$291	$44,123
344	$2,726	$2,450	$276	$41,673
345	$2,726	$2,466	$260	$39,208
346	$2,726	$2,481	$245	$36,727
347	$2,726	$2,496	$230	$34,230
348	$2,726	$2,512	$214	$31,718
349	$2,726	$2,528	$198	$29,190
350	$2,726	$2,544	$182	$26,647
351	$2,726	$2,559	$167	$24,087
352	$2,726	$2,575	$151	$21,512
353	$2,726	$2,592	$134	$18,920
354	$2,726	$2,608	$118	$16,313
355	$2,726	$2,624	$102	$13,688
356	$2,726	$2,640	$86	$11,048
357	$2,726	$2,657	$69	$8,391
358	$2,726	$2,674	$52	$5,717
359	$2,726	$2,690	$36	$3,027
360	$2,726	$2,707	$19	$0

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