$2,200,000

3040 Highlands By The Lake Way

Lakeland, FL 33812

Active
6
Beds
6
Baths
5,340
Sq Ft
0.94
Acres
2006
Built
WaterfrontWater accessPrivate poolFireplace3-car garage$412/sqft360° tour
🏠Single Family Residence

Property type

🏗️2006

Year built

📐41,112 sqft

Lot size

📊$412

Price / sq ft

🏘️$125/mo

HOA dues

📅89

Days on market

🚗3

Garage spaces

🌊AE

Flood zone

About this home

The epitome of Florida lakefront living, this six-bedroom, five-and-a-half-bathroom estate in the gated Highlands by the Lake community offers a rare synthesis of architectural grandeur and meticulous modern stewardship. Situated on nearly an acre with direct frontage on Banana Lake, the residence is introduced by an arrival sequence featuring iron Cantera doors that open to soaring 13-to-16-foot ceilings and a magnificent domed dining room. The interior is defined by a sophistication, where pocketing sliding doors and tinted rear windows dissolve the boundaries between the refined living spaces and the verdent lakeside setting. The home’s infrastructure has been rigorously modernized, featuring a 5-HP Trane HVAC system (2025), a secondary upstairs unit with a dedicated dehumidifier (2026), and two new tankless water heaters (2025). New, high-efficiency Pella windows constitute all but 6 windows throughout the home, complemented by whole-home surge protection, whole home Mulligan water filtration system, and an ADT security array consisting of 14 perimeter cameras. The culinary center is a testament to functional luxury, equipped with a gas cooktop, custom all-wood cabinetry, a new garbage disposal (2024), and a stainless-steel utility suite. While the kitchen’s digital hub and the home’s televisions do not convey, the residence is a technological fortress, wired for 7G connectivity with an integrated Sonos surround-sound system and a theater room featuring SONY cinema equipment. The primary wing has been thoughtfully updated with 2023 luxury vinyl flooring, electric privacy curtains, and a primary bath featuring a bidet and "Closets by Design" cabinetry. Additional interior highlights include a Jack-and-Jill suite completely renovated in 2024, new light fixtures throughout, and three distinct garage bays featuring insulated doors, epoxy flooring, a Tesla charger, and significant integrated storage. Outdoor living is elevated by a saltwater Pentair pool—equipped with a 2024 pump and auto-refill system—housed within a cage featuring 2024 lighting and a 2025 screen replacement. The grounds are illuminated by architectural lighting and protected by a "Bug Slayer" system and a transferable septic maintenance subscription. A Trex elevated party deck leads to the water's edge, where a recently improved dock and electric lift provide seamless access to Banana Lake. Residents of this exclusive enclave enjoy not only profound privacy but also a suite of community amenities, including a clubhouse, pool, pickleball, and tennis courts, all positioned strategically within the I-4 corridor between Tampa and Orlando.The current mortgage is a VA assumable loan at a 5%interest rate. Please inquire for more information.

Estimated monthly payment

Principal & interest$11,124
Property taxes$72
Home insurance (est.)$1,008
HOA dues$125

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history89 days on market

  1. Status: Active
    Mar 3, 2026
  2. Listed$2,250,000
    Feb 13, 2026
  3. Price reduced$2,200,000

Virtual Tour

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
89
Subdivision
Highlands/Lk Ph I & Ii
County
Polk
Year built
2006
Living area
5,340 sq ft
Price/sq ft
$412
Building area
7,582 sq ft (Public Records)
Lot size
41,112 sq ft
Lot category
1/2 to less than 1
Flood zone
AE (12105C0485G)
Garage
3 spaces
Pool
Private pool
Annual taxes
$864 (2025)
Parcel #
24-29-10-280559-001290
MLS #
L4959374

Interior Details

Bedrooms
6
Full bathrooms
5
Half bathrooms
1
Flooring
Luxury Vinyl
Appliances
Cooktop, Disposal, Dryer, Other, Washer
Interior features
Cathedral Ceiling(s), Ceiling Fans(s), Solid Wood Cabinets
Laundry
Other
Stories / Levels
Two
Direction faces
Southeast
Fireplace
Yes

Heating & Cooling

Heating
Central
Cooling
Central Air

Parking

Garage spaces
3
Attached garage
Yes

HOA & Financial

HOA fee
$1,500 / Annually
Monthly HOA
$125/mo
Total monthly fees
$125/mo
Total annual fees
$1,500
HOA name
Highlands By The Lake Property Owners Association
CDD
No
Homestead exemption
Yes
Min lease term
No Minimum
Listing terms
Cash, Conventional, FHA, VA Loan
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
No
Additional lease restrictions
Confirm with Association

Exterior & Construction

Exterior features
Other
Construction materials
Stucco
Roof
Other
Foundation
Slab
Pool
Private pool
Waterfront
Yes
Water access
Yes
Water view
Yes
Road surface
Paved

Utilities

Sewer
Septic Tank
Water source
Public
Utilities
Electricity Connected

Community

Pets allowed
Yes

Schools

ElementaryHighland Grove ElemGreatSchools ↗
MiddleLakeland Highlands MiddlGreatSchools ↗
High SchoolGeorge Jenkins HighGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

RoomLevelDimensions
KitchenFirst
Living RoomFirst
Primary BedroomSecond

Listing Details

Listing date
2026-02-10
On market date
2026-02-13
Original list price
$2,250,000
Occupant type
Owner
MLS area
33812 - Lakeland
Listing AOR
Lakeland
Status changed
2026-03-03
Tax legal description
HIGHLANDS-BY-THE-LAKE PHASE I & PHASE II PB 104 PGS 43-45 PHASE I LOT 29

Flood risk

High riskFEMA Zone AEPanel 12105C0485G

FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

south on Bartow Highway West on Club House Right into Highlands by the Lake- drive to lake and go left to address

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MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

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.

Based on information submitted to the MLS GRID as of May 27, 2026 at 8:51 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA