Single Family Residence in HIGHLANDS GRACE, LAKELAND · No CDD
HIGHLANDS GRACE · LAKELAND, FL 33812 · Polk
Listing data updated September 12, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,982Sq Ft
2019Year Built
$245Per Sq Ft
2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
24% above
$/sq ft vs community
$245 here vs $197 median sold (12 mo)
Buyer leverage
Seller-leaning
32 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~160 ft elevation
$2k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 12, 2026, 6104 Highlands Grace Boulevard in Highlands Grace, Lakeland is listed at $485,000 (1,982 sq ft, about $245 per sq ft). That sits within a few percent of Highlands Grace's median closed sale of $550,000 over the last 12 months (49 recorded sales). Per square foot it is above the community's recent $197/sq ft by about 24%. It has been 32 days on market, well inside the community's typical 107 days. Listing facts: built in 2019, HOA dues of $65/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2019 · 7 yrs
1,982 sq ft of living area
2-car garage
32 days on market
HOA $65/mo (per listing)
Momentum Research · WINDSOR ISLAND RESIDENCE PH 2B
Pricing & the WINDSOR ISLAND RESIDENCE PH 2B market
How this home is priced against recent nearby sales, and where WINDSOR ISLAND RESIDENCE PH 2B has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in WINDSOR ISLAND RESIDENCE PH 2B
Each dot is a closed sale since 2022 (146 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2022–2026. This home lists at $245/sq ft.
Median sale price by year
12-month median closed price, 2022–2026.
Property timeline
This home’s history
2019BuiltPer public record
Aug 8, 2026First trackedObserved at $494,900
Aug 20, 2026Price cut$485,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$3,160/mo
Principal & interest $2,519/mo80%
Taxes $424/mo13%
Insurance $151/mo5%
HOA $65/mo2%
$3,160/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Estimated from today’s asking price and current Polk County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $5,575/yr ($465/mo)
+$1,475 more each year
(+26%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
52/100
Strongest on: Flood safety (95), Pricing power (91)
0 limited50100 exceptional
52/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $245/sq ft vs the community 12-month median $197/sq ft.
Affordability70
List price $485,000 vs the community median $550,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~160 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2019 build. Obtain a property-specific quote.
Market liquidity20
Community median 107 days on market (12-month record).
Renovation upside10
From a 2019 build and $245/sq ft vs the community median $197/sq ft. Not a condition assessment.
Pricing power91
Recent sales closed at about 89.8% of original asking (~10.2% below). More room below asking generally favors buyers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $245 per square foot, about 24% above the community’s $197 median. WINDSOR ISLAND RESIDENCE PH 2B’s 12-month median sold price per square foot is $197. Median sold price per square foot is down 8.3% year over year. Confidence: Very High · 49 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent WINDSOR ISLAND RESIDENCE PH 2B sales closed near 89.8% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 12, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 4950 active listings in WINDSOR ISLAND RESIDENCE PH 2B, no CDD assessment.
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
ome homes simply check the boxes—others stand apart. Located in the gated South Lakeland community of Highlands Grace, this beautifully maintained Tapia Construction home offers the quality, thoughtful design, and elevated finishes buyers appreciate. Built in 2019 and situated on a .19-acre homesite with a higher elevation than many surrounding properties, this 3-bedroom, 2-bath home with a dedicated office features 1,982 square feet of living space, a 2-car garage, a fully fenced backyard, and the added privacy of no rear neighbors.
From the moment you arrive, the paver driveway and matching walkway set the tone. Step inside to a bright, open interior enhanced by soaring ceilings, tray ceiling details, abundant natural light, and wood-look tile flooring flowing throughout the home. The open-concept design seamlessly connects the kitchen, dining, and living areas, creating a comfortable space for everyday living and effortless entertaining.
The spacious kitchen features granite countertops, abundant cabinetry, generous workspace, and plenty of room to gather. A desirable split-bedroom floor plan provides privacy for the owner's retreat, complete with dual walk-in closets and a spacious en-suite bath featuring dual vanities, a soaking tub, and a separate walk-in shower. Two additional bedrooms are located on the opposite side of the home, while the dedicated office provides flexible space for working from home, a den, hobby room, or additional guest space.
Open the sliding glass doors and extend your living space to the screened paver lanai overlooking the fully fenced backyard. With no rear neighbors, the outdoor setting offers an added level of privacy, perfect for morning coffee, outdoor dining, entertaining friends, or simply enjoying Florida's year-round sunshine. Highlands Grace offers the security and appeal of a gated entrance along with sidewalks for an evening stroll.
The South Lakeland location provides convenient access to SR 540A, US-98, and the Polk Parkway, putting shopping, restaurants, medical facilities, parks, recreation, and Downtown Lakeland within easy reach. With its Tapia Construction craftsmanship, elevated .19-acre homesite, versatile floor plan, quality finishes, private backyard setting, and desirable gated location, this home delivers much more than square footage. Schedule your private showing today and experience 6104 Highlands Grace Blvd for yourself!
Description provided by MIHARA & ASSOCIATES INC. and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$485,000
Bed / bath3 / 2
Living area1,982 sq ft
Year built2019
Property typeSingle Family Residence
Garage2-car
MLS #TB8530579
Listing status32 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~160 ft
Windstorm exposureLow
CountyPolk
Area listings4950 active · 1561 under contract
Estimated first-year tax~$5,092/yr
CDD assessmentNone on record
HOA (per listing)$65/mo
Calculated estimates
Price per sq ft$245
Estimated monthly payment$3,160
Insurance (illustrative)$2k–$2k/yr
Comparable-sales median$550,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of MIHARA & ASSOCIATES INC. · Listing agent: Leon Smith · 813-960-2300Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$342,886the mess$438,022
Actual list price: $485,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $65/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
This home: 32 days on market vs. a 107-day community median
5021 active listings competing, 1577 under contract
For reference, this home is listed at $485,000 ($245/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,982 sq ft × $173–$221/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 12, 2026.
Keep looking
Similar homes for sale near HIGHLANDS GRACE
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $485,000Momentum Realty · on market 32 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$5,092/yr
A rough first-year estimate only, applying a typical Polk rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$65/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~160 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
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Listed by MIHARA & ASSOCIATES INC. · MLS # TB8530579
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Market data · public records
Recent sales activity in HIGHLANDS GRACE
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the HIGHLANDS GRACE neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$550,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$197
Canonical 12-month median $/sq ft. Reference only.
Go deeper on HIGHLANDS GRACE
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
Lakeland Commissioners Approve Zoning Changes for Hallam Drive and Laura Road Projects
Lakeland commissioners unanimously approved zoning changes on July 20, 2026 for two projects. One rezones 17 acres at 1212 Hallam Drive for 24 single family homes on 1.5 acre lots, and the other rezones 3.87 acres at 559 Laura Road for a proposed self storage facility.
Why it matters: Rezonings clear the way for new low density housing and commercial storage in Lakeland, adding to residential lot supply and local commercial infrastructure. The project is about 22 miles west of Zz Stellar Polk Unassigned, elsewhere in Polk County.
Haines City Data Center Proposal on Hold Over Water Capacity
Texas based Cielo Digital Infrastructure has proposed a data center on Marion Road and State Road 544 East in Haines City, requesting 150,000 gallons of potable water per day. City officials say the project remains preliminary, is awaiting additional water allocation from the Southwest Florida Water Management District, and has not yet come before the commission for approval.
Why it matters: A proposed data center signals commercial and industrial interest in the Haines City area while highlighting water infrastructure limits that could shape the pace of future development. The site is about 2 miles southwest of Zz Stellar Polk Unassigned.
Hillpointe Opens Pointe Grand Apartments in Davenport
Hillpointe has begun leasing at Pointe Grand Champions Village, an approximately 445 unit apartment community at 2010 Celsius Way in Davenport. As of late June 2026 the project was about 50 percent built and had started moving in residents, featuring one bedroom cottages, two bedroom units, and three bedroom townhomes with resort style amenities.
Why it matters: A large new apartment community expands rental housing supply and adds amenity rich multifamily inventory to the Davenport market. The project is about 9 miles north of Zz Stellar Polk Unassigned, elsewhere in Polk County.
Haines City Commission Reviews Lake Eva Estates Subdivision
Haines City reviewed a preliminary plat for Lake Eva Estates, a 31 lot single family subdivision on 16.68 acres west of 10th Street South by Lake Eva. The project is zoned low density residential and includes an approved traffic study.
Why it matters: A new single family subdivision adds for sale housing supply in the Lake Eva area and reflects continued residential platting activity in Haines City. The project is about 1 mile west of Zz Stellar Polk Unassigned, elsewhere in Polk County.
Schools currently assigned to this address in Polk County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEC
Spessard L. Holland ElementaryAssigned elementary school · Polk County School District · Grade C (Florida DOE 2025-26)
GRADEB
Lakeland Highlands MiddlAssigned middle school · Polk County School District · Grade B (Florida DOE 2025-26)
George Jenkins HighAssigned high school · Polk County School District
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$2,223 – $3,233/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,001 – −$92At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 6104 Highlands Grace Boulevard, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2019: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $65/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Polk County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,982 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $5,092/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
LAKELAND
Groceries, dining, and parks for this city — see the city guide.
Stellar MLS, refreshed twice daily (last: September 12, 2026)
Community market stats
Stellar MLS closed sales, as of September 12, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 6104 Highlands Grace Boulevard and when was it built?
Per the listing record, 6104 Highlands Grace Boulevard was built in 2019 and has 1,982 sq ft of living area, 3 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 6104 Highlands Grace Boulevard in?
6104 Highlands Grace Boulevard is in Highlands Grace in Lakeland, Polk County. The community section on this page shows recent closed sales, days on market, and active inventory for Highlands Grace from the same MLS data.
Does 6104 Highlands Grace Boulevard have an HOA, and how much are the dues?
The listing reports HOA dues of $65 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 6104 Highlands Grace Boulevard differ from the current owner's?
The estimate on this page (about $5,092 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 6104 Highlands Grace Boulevard in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 6104 HIGHLANDS GRACE BOULEVARD in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
