Settlers Creek North in Lakeland

Settlers Creek North
Homes for Sale in Lakeland, FL

Community in Lakeland · Polk County · ZIP 33810
30 homesBuilt 2006–2006
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Built fromLive Stellar MLS data13 years of closingsFL DOR public recordsUpdated twice daily

As of November 2026, the MLS records 14 closed sales in Settlers Creek North in Lakeland, FL since 2013, the most recent in March 2026. Across Lakeland as a whole, 2,881 homes closed in the last 12 months at a median of $315,000, 53 median days on market, with 1,143 homes for sale today. At that median and Polk County's FY2025-26 rate of 16.19 mills, annual property tax runs about $5,100 ($4,420 with the full homestead exemption).

Live · Settlers Creek North Housing Pulse Stellar MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 10,000+ customers served · Top 1% in Florida (RealTrends)
Tempo
0 · 0
For sale · pending
live counts, refreshed twice daily
2
Sold · last 12 mo
10-yr average: about 1 a year
Ownership and context
63%
Owner-occupied · Settlers Creek North
19 of 30 parcels homesteaded (FL DOR 2025)
37%
Non-owner-occupied · Settlers Creek North
incl. 13% trust or LLC-held · 20% out-of-state
50%
Cash buyers · Settlers Creek North
2 of 4 sales, 12 mo ending June 2023
30
Homes in the community
30 residential parcels (FL DOR 2025)
Track record · 13 years of records
2006–2006
Years homes were built
median 2006 · county roll (FL DOR 2025)
0
Failed listings · 2025
peaked at 3 in 2008
6.7%/yr
Turnover rate
about 2 of 30 homes trade a year
Jon Brooks, Co-Founder of Momentum Realty
Jon's Read · written October 26, 2026

Settlers Creek North is a small, single-vintage pocket in Lakeland: 30 homes, all built in 2006, with a median living area just over 3,200 square feet. Price here is driven by condition and updating, not by variety of product. When every roof, floor plan, and build year started the same, the spread between homes comes down to how they've been maintained and improved over the last two decades.

Right now there are no active listings and only a thin trailing closings window, so there's very little to read from live inventory. That cuts both ways. A seller who lists into an empty field has the stage to themselves; a buyer has to be patient and ready to move when something does come up, because there's no backlog to shop. Expect negotiation to hinge on the specific house's updates rather than on broad comps.

Figures in this note are as of October 26, 2026. The live market numbers elsewhere on this page update nightly and are newer.

Nearby homes for sale

No active listings inside Settlers Creek North right now. These are the 6 closest homes on the market, by straight-line distance from the community's center; some may sit just outside its boundary.

3333 HAWKS RIDGE DRIVE
$447K · 0.2 mi away
4 bd · 2.5 ba · 2,394 sqft
3333 HAWKS RIDGE DRIVE
Listed by KELLER WILLIAMS REALTY SMART
5516 BLACK HAWK LANE
$575K · 0.3 mi away
4 bd · 3 ba · 3,206 sqft
5516 BLACK HAWK LANE
Listed by CENTURY 21 MYERS REALTY
2510 GIBSONIA GALLOWAY ROAD
$480K · 0.4 mi away
3 bd · 2 ba · 2,122 sqft
2510 GIBSONIA GALLOWAY ROAD
Listed by LPT REALTY, LLC
5307 BLOOMFIELD BOULEVARD
$450K · 0.5 mi away
4 bd · 2.5 ba · 2,318 sqft
5307 BLOOMFIELD BOULEVARD
Listed by KELLER WILLIAMS REALTY
5419 OXFORD MANOR CIRCLE
$291K · 0.5 mi away
3 bd · 2 ba · 1,825 sqft
5419 OXFORD MANOR CIRCLE
Listed by BHHS FLORIDA PROPERTIES GROUP
2267 MALACHITE DRIVE
$575K · 0.6 mi away
4 bd · 3 ba · 2,405 sqft
2267 MALACHITE DRIVE
Listed by BHHS FLORIDA PROPERTIES GROUP

Listing data from the MLS feeds named on each listing page; deemed reliable but not guaranteed. Refreshed nightly.

The 60-Second Overview

This is a compact enclave of larger, same-era homes where the roughly two-thirds homestead share points to an owner-occupied, hold-oriented street rather than a high-turnover one. With no amenities identified from current listings, you're buying the house and the lot, not a club.

Stellar MLS sales records identify 19 homes in SETTLERS CREEK NORTH that have changed hands since 2013, built between 2006 and 2006 (median 2006), with a median living area of about 2,320 sq ft and a typical 4-bedroom, 2.5-bath layout; 100% are single-family homes. Source: Stellar MLS closed-sale history compiled by Momentum Research; counts reflect homes with a recorded MLS sale, not every home in the community.

Pre-construction details are compiled from public records, builder announcements and builder listings, and are subject to change without notice; figures are deemed reliable but not guaranteed. Momentum Research figures are our own analysis. This page describes homes, pricing and community attributes, not residents.

Best for

  • Buying to hold a larger home for the long term on a stable street
  • Buyers who want substantial square footage and are prepared to evaluate 20-year-old systems
  • Buyers who can move quickly when a rare listing appears

Probably not for

  • Needing a pool, gate, or clubhouse, since no amenities were identified here
  • Shopping for a wide range of floor plans or build years
  • Needing to buy on a short timeline with no active inventory

The market around Settlers Creek North

Settlers Creek North is a small community — 19 recorded sales on file, most recently in 2025 — too few for its own price trend. Here is the market around it.

In ZIP 33810, 326 homes are on the market and 28% are under contract — a steady corner of Lakeland.

Across Polk County, 5,189 homes are active and 1,757 pending (25% under contract).

Homes here are single family residence.

In ZIP 33810 (Lakeland), 344 homes closed in the last 12 months at a median of $310K ($177/sq ft), down 5.0% year over year, with a median 54 days on market. See the live ZIP 33810 housing market and the Polk County market.

ZIP and county figures describe the wider market, not Settlers Creek North specifically. Momentum Research analysis of MLS records.

Schools

In short
  • Polk County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Polk County Public Schools (verify by address) · Public
  • Confirm zoned elementary, middle, and high · By address
  • Magnet and choice options may apply · Choice

Zoned schools reflect the assignments reported on recent Settlers Creek North listings and can change; always confirm with Polk County Public Schools for a specific address.

Buying with schools in mind? We can confirm the exact zoned schools for any Settlers Creek North address.

If we were buying in Settlers Creek North today, this is the order of operations we would run for our clients.

1

Underwrite the condition first. Price the roof, HVAC, and systems honestly before judging any list price; condition swings value here more than square footage alone.

2

Match the home to real comps. Recent sales of similar condition and lot, not the asking price, tell you what a home is worth.

3

Move deliberately, not desperately. Neither side has a decisive edge, so a well-prepared, fairly-priced offer wins without overpaying.

4

Line up financing and inspection early. A pre-approval and an inspection plan let you act fast and negotiate from evidence.

5

Keep an agent in your corner. The listing agent works for the seller; we represent you and prepare a hand-built valuation before any offer in Settlers Creek North.

Best Buy
Buying to hold a larger, single-vintage home on an established Lakeland street.
Biggest Risk
With no active listings, opportunities are infrequent and you may wait.
Sweet Spot
A well-updated 2006 home where major systems have already been addressed.
Avoid If
You need amenities or a fast, broad selection to shop.

One vintage, thirty houses

The defining fact is uniformity of age paired with real size. Every home dates to 2006 and the median living area sits at 3,283 square feet, so this is a floor-plan-heavy segment where square footage is standard and the differentiator is upkeep. Twenty years in, buyers should budget attention toward major systems and finishes, and sellers who've reinvested in those areas have a clear story to tell.

Homestead occupancy near 63% suggests homes tend to be held rather than flipped, which reinforces the thin-inventory picture. No community amenities were identified from current MLS listings, so don't underwrite for a pool, gate, or clubhouse unless you verify it independently. The value proposition is space and a stable, established street, not resort-style common areas.

“

The location and the amenities are priced into every listing in Settlers Creek North. The deal is won or lost on condition, the comps, and the renovation math.

Jon Brooks · Founder, Momentum Realty

Why work with Momentum here

In a 30-home pocket with no active listings, timing and relationships do the heavy lifting. We track when these houses quietly come available and know how to price a same-vintage home on the strength of its updates rather than guessing from stale comps. Whether you're waiting to buy or preparing to list into an open field, we'll tell you straight what a given house is worth and what it isn't.

Settlers Creek North in 15 seconds.

Best forBuying to hold a larger, single-vintage home on an established Lakeland street.
Biggest advantageConsistent 2006 construction and generous square footage make condition the clear value lever.
Biggest riskWith no active listings, opportunities are infrequent and you may wait.
Sweet spotA well-updated 2006 home where major systems have already been addressed.
Avoid ifYou need amenities or a fast, broad selection to shop.
The takeaway

Selling here is won on condition and pricing to real comps, not an automated estimate. The right number comes from closed Settlers Creek North sales matched to your home.

What is your Settlers Creek North home worth?

Get a no-obligation home value based on real comparable sales in Settlers Creek North, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

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Real comps, not an automated estimate.
Settlers Creek North key facts
LocationLakeland, Polk County, FL · ZIP 33810
Homes in the community30 (FL DOR 2025 assessment roll)
Years built2006–2006 (median 2006)
Typical living area3,283 sq ft (median)
For sale right now0 active, 0 pending
Owner-occupied (homestead) share63%
Zoned public schoolsPolk County Public Schools (verify by address); Confirm zoned elementary, middle, and high; Magnet and choice options may apply

Data as of August 2, 2026. Based on Stellar MLS data distributed by MLS GRID for the period 2013 through 2026; housing-stock figures from Florida Department of Revenue public records. Market figures describe homes, not residents. Cite as: Momentum Realty, “Settlers Creek North key facts,” movewithmomentum.com/neighborhoods/settlers-creek-north, data as of August 2, 2026.

Housing distress & ownership in SETTLERS CREEK NORTH, Lakeland

Who owns here, how much is not owner-occupied, and how much for-sale inventory is under distress.

Active inventory in distress
0.0%
0 of 29 listings
Distress share trend - 0.0% now (2026-08-10 → 2026-10-25)

Source: Momentum Realty Research. Ownership & parcels from the FL DOR 2025 tax roll; distress from MLS active-listing status/remarks; price from MLS closed sales. Based on Stellar MLS data distributed by MLS GRID for the period October 2026 through October 2026. Deemed reliable but not guaranteed.

Email me new listings in Settlers Creek North

One e-mail a day, only when a home lists here, with price, beds, baths and a link to every listing. Straight from the MLS feed; no account needed.

Equal Housing Opportunity. Every community is open to everyone; alerts are about homes, never about who lives here.

Ask an agent about Settlers Creek North

Have a question about the homes, fees, rules or commute here? A Momentum agent who works Settlers Creek North will answer, and the answer is published on this page for the next buyer.

Property facts only: homes, fees, rules, commute. Every community is open to everyone; agents do not answer questions about who lives here.

Frequently Asked Questions

How many homes are in Settlers Creek North?
The Florida DOR 2025 assessment roll shows 30 homes in Settlers Creek North (public records).
What share of Settlers Creek North is owner-occupied?
63% of Settlers Creek North parcels carry a homestead exemption on the 2025 Florida DOR roll, the owner-occupancy proxy in public records.
When were the homes in Settlers Creek North built?
Homes in Settlers Creek North were built between 2006 and 2006, with a median year built of 2006 (FL DOR 2025 roll).
Do cash buyers compete in Settlers Creek North?
Cash buyers took 50% of Settlers Creek North sales in the 12 months ending June 2023 (2 of 4 closings, Stellar MLS).
What schools serve Settlers Creek North?
Settlers Creek North is served by Polk County Public Schools, typically Polk County Public Schools (verify by address) and Confirm zoned elementary, middle, and high. Confirm the exact zoning by address with the district.
Who is the best real estate agent for Settlers Creek North?
The best agent for Settlers Creek North is one who actively works Lakeland and knows the community's pricing, fees, and current inventory. Tell us what you're looking for in the form on this page and Momentum Realty will match you with a local specialist for Settlers Creek North.
How do I find a top Lakeland real estate agent who knows Settlers Creek North?
Share a few details in the form on this page. Momentum Realty has 320+ agents and more than $3.5B in closed sales, and we'll connect you with one who knows Settlers Creek North and the wider Lakeland area.
Can Momentum Realty connect me with an agent for Settlers Creek North?
Yes. Use the form on this page and we'll introduce you to a local specialist who can guide your Settlers Creek North purchase or sale - no call center and no pressure.
Where is Settlers Creek North, and what county is it in?
Settlers Creek North is in Lakeland, Polk County, FL, ZIP 33810.
Buying to hold a larger home for the long term on a stable streetExcellent fit
Buyers who want substantial square footage and are prepared to evaluate 20-year-old systemsExcellent fit
Buyers who can move quickly when a rare listing appearsExcellent fit
Needing a pool, gate, or clubhouse, since no amenities were identified hereProbably not
Shopping for a wide range of floor plans or build yearsProbably not
Needing to buy on a short timeline with no active inventoryProbably not

Data sources & freshness

Live listingsStellar MLS, refreshed twice daily (last: June 30, 2026)
Housing stock & ownershipFlorida DOR assessment roll (community parcel extract)
Under-contract sharesStellar MLS records, as of 2026-08-01
Schools2025-26 district assignments + FLDOE school grades; verify with the district
Historical depthClosed-sale records back to 2013 (14 transactions analyzed)

Verify the primary sources yourself: Florida DOR · U.S. Census · FEMA flood maps · Citizens Property Insurance.

Momentum Research figures are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Methodology: how Momentum market scores are computed. Market metrics describe homes for sale and recent sales, not residents.

Own a home here?

You just read the data. Now see what your home is worth.

The numbers on this page move markets in the aggregate. The number that matters to you is what a buyer pays for your address. A Momentum agent can price yours against live local comps.

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