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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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True comps, carrying-cost math, and listings before the portals.

Built fromLive Stellar MLS data13 years of closingsFL DOR public recordsUpdated twice daily
Live · SETTLERS CREEK NORTH Housing Pulse Stellar MLS + public records Analysis by Momentum Realty · $3.5B+ sold · 8,500+ transactions · 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
Est. 2006
Community established
homes built 2006-2006, median 2006 (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
The Area Market

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.

ZIP and county figures describe the wider market, not SETTLERS CREEK NORTH specifically. Momentum Research analysis of MLS records.

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
18.18%
2 of 11 listings · short sale 2

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 August 2026 through August 2026. Deemed reliable but not guaranteed.

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.

The Strategy

The SETTLERS CREEK NORTH buying strategy.

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.

The Deep Dive

A closer look at the SETTLERS CREEK NORTH market

The housing stock is 30 homes built around 2006, and 63% of parcels are homesteaded — the owner-occupancy proxy in the Florida DOR assessment roll.

“

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

HOA, CDD & Fees

In short
  • Mandatory HOA - confirm current dues
  • Any club/amenity membership is billed separately

Confirm the current HOA dues, exactly what they cover, and any CDD bond or special assessment for a specific address before you offer.

Run Your Numbers

Tools for a SETTLERS CREEK NORTH buy.

Free calculators to pressure-test the real cost before you tour.

Mortgage paymentPrincipal, interest, taxes, and insurance on a specific price.Property taxPolk County millage and the homestead picture.Rent vs buyThe breakeven on owning in SETTLERS CREEK NORTH.Save Our HomesProject your homestead tax cap over time.
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.

Selling in SETTLERS CREEK NORTH

Price it to the comps and condition, not an automated estimate.

If you are thinking about selling in SETTLERS CREEK NORTH, the right list price comes from recent comparable sales matched to your home's condition and location, not an automated estimate.

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.

See homes for sale in SETTLERS CREEK NORTH on the map →

Real comps, not an automated estimate.

Settlers Creek North Market Scorecard

Thin data

Settlers Creek North is currently a thin data market. Limited supply, a median asking price of n/a.

n/a
Months supply
n/a
Median list
n/a
Median sold
n/a
Per sqft
n/a
Days on mkt
0/0/0
Active/Pend/Sold

Go deeper: true cost calculator · affordability calculator.

Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

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 280+ 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.

Nearby Communities

Explore more neighborhoods near SETTLERS CREEK NORTH with Momentum Realty’s local guides.

Ashley PointeLAKELAND, FL · 0.1 miCreeks Crossing LakelandLAKELAND, FL · 0.1 miApplewood Reserve LakelandLAKELAND, FL · 0.2 miCrystal Acres Estates LakelandLAKELAND, FL · 0.3 miRolling Oak Estates LakelandLAKELAND, FL · 0.3 miRoss Creek LakelandLAKELAND, FL · 0.3 miCountry Class LakelandLAKELAND, FL · 0.3 miMyrtlewood SubLAKELAND, FL · 0.5 mi

Browse all Florida neighborhood guides →

Data sources & freshness

Live listingsStellar MLS, refreshed twice daily (last: June 30, 2026)
Housing stock & ownershipFlorida DOR 2025 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. Momentum sells for 1.25% above the Stellar MLS member average and 8 days faster, and we’ll price yours against live your area comps.

Looking to buy here? Search homes for sale →

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