CENTURY 21 Edge
Short-Term Rental Eligible
$425,000$450,0004 bd3 ba2,522 sqft$169 /sqft$3,433 /mo all-in ↓

4628 CORTLAND DRIVE, DAVENPORT, FL, 33837

Active188 days on marketListed Feb 5, 2026MLS #G5107497

Reduced $25KSingle Family ResidenceCORTLAND WOODS/PROVIDENCE PH I

About this home

4628 CORTLAND DRIVE

Virtually Staged. This home can be purchased with NO INCOME VERIFICATION needed! Welcome to 4628 Cortland Dr in Davenport, a spacious and thoughtfully designed home located inside the guard-gated golf community of Providence Golf Club, where everyday living feels like a resort experience. With 4 bedrooms, including a highly desirable first-floor bedroom, 3 full bathrooms, and 2,522 square feet of living space, this home brings together flexibility, comfort, and entertainment in a layout that works beautifully for modern life. From the moment you step through the front door, natural light, clean sightlines, and an inviting flow make the space feel warm and welcoming. The main level is designed for connection. The kitchen, dining, and living areas blend seamlessly, creating an ideal environment for gatherings, family time, and quiet evenings at home. The downstairs bedroom paired with a full bath is perfect for guests, multi-generational living, or a private home office tucked away from the rest of the household. Head upstairs and you’ll find a feature that truly sets this home apart. The expansive loft has been transformed into a dedicated movie theatre, turning this space into the ultimate entertainment retreat. Imagine movie nights with surround sound, weekend sports on the big screen, or gaming sessions in a room designed for fun. It’s a rare and memorable addition that instantly elevates the home’s personality. The remaining bedrooms upstairs are generously sized, thoughtfully positioned for privacy, and connected by a layout that keeps everyone comfortable while still feeling close. Step outside to the oversized covered lanai, your personal outdoor living room. This shaded space becomes the go-to spot for morning coffee, evening dinners, and relaxing weekends enjoying Florida’s year-round sunshine. There is plenty of room here for outdoor furniture, entertaining guests, or simply unwinding at the end of the day. A 2-car garage provides ample storage for vehicles, tools, and toys, while the overall design of the home ensures there is space for everyone to spread out without losing the sense of togetherness that makes a house feel like home. Living here means being part of a community built around lifestyle. Residents enjoy access to a championship golf course complete with a driving range, an elegant clubhouse, pro shop, and a restaurant located right within the neighborhood. For those who love staying active, there are pickleball and tennis courts, a state-of-the-art fitness center, scenic walking paths, and beautifully maintained green spaces throughout. The resort-style pool complex feels like a private water park. A kid-friendly splash zone, water slides designed for all, a dedicated lap pool, and a relaxing spa create an environment where weekends feel like a getaway. There is also a dog park, multiple playgrounds, and gathering spaces that make it easy to enjoy time outdoors and connect with neighbors. This is the kind of place where daily life feels elevated, where community and recreation blend naturally with the comfort of home. 4628 Cortland Dr is more than just a place to live. It’s a space designed for connection, entertainment, relaxation, and memorable moments inside one of Davenport’s most desirable golf communities.

Facts & features

The home at a glance

4

Bedrooms

3

Bathrooms

2,522

Sqft

0.14 ac

Lot size

2

Garage

2017

Year built

Two

Levels

$169

Per sqft

Pets allowed

Inside

FlooringCarpet · Tile
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Eating Space In Kitchen · Window Treatments
LaundryLaundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesSouth
ExteriorIrrigation System

Community & fees

HOA fee$133/mo
Taxes (2025)$5,396/yr
PetsYes
CommunityClubhouse · Dog Park · Fitness Center · Gated Community - Guard · Golf Carts OK · Playground · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.

$3,433 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,502
FHA mortgage insurance (est.)$188
Property tax — 2025 actual bill$450
HOA fee — from the listing$133
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,875Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $14,875
Interest rate6.00%
Loan term

Estimated payment

$3,433/mo

Principal & interest$2,502
FHA mortgage insurance (est.)$188
Property taxes (actual bill)$450
HOA / condo fee$133
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

Value check

Is the price right?

The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.

List $425K
$408KedgeAI estimate $550,605 · range $503K$650K$676K

vs edgeAI estimate

−22.8%

$/sqft vs Davenport actives

$169 vs $191

Days on market

188 vs 56 typical

Where $169/sqft sits among the 400 Davenport actives

67
95 · this home
89
70
36
43
$148–166$166–184$184–202$202–219$219–237$237+

The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.

The investor lens

Two ways this home pays

This home sits inside Providence, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.

Short-term rental

Zoned & eligible

Nightly rentalsAllowed
CommunityProvidence
Fine-tuned for this homePrepared free by our team
Get the free rental analysis

Projected nightly rate, occupancy and annual revenue for this exact home.

Long-term rental

$2,298/mo median

MarketDavenport
Annual gross at median$27,576
Gross yield on this price6.5%
Homes for rent right now547

Live Davenport rental listing data — this home’s rate depends on size, condition and furnishing.

Where it sits

Inside Providence

Map of 4628 CORTLAND DRIVE inside its neighborhood boundary

Drive times from this address

Walt Disney World27 min
Universal Orlando37 min
Downtown Orlando43 min
Orlando Int’l Airport (MCO)48 min
Downtown Tampa73 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Providence is a short-term-rental community. See the full guide →

Providence — neighborhood snapshot

Population

4,725

Median age

34

Median income

$92,222

Median home value

$384,700

Avg household

3

Households w/ children

663

For the school run

Polk County School District

ElementaryLoughman Oaks Elementary School★★★★★
HighRidge Community High School★★★★
MiddleShelley S. Boone Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Davenport market

Seller’s marketLeans buyer7.1 months of inventoryBuyer’s market

$350K$370K

Davenport median sold, yr/yr

97.6%

Sale-to-list ratio (12 mo)

181 of 400

Davenport actives have cut their price

Median sold price, Davenport, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 31% above the DAVENPORT 33837 median. See the full Davenport market guide →

Paper trail

This home's history

CurrentPrice reduced to $425,000 $25K
Feb 5, 2026Listed at $450,000 · 188 days on market since
2017Built · CORTLAND WOODS/PROVIDENCE PH I

Reality check

What actually sold near 4628 CORTLAND DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

3590 CORTLAND DRIVESold · Jun ’26

$455,000

3590 CORTLAND DRIVE · same community

3 bd · 3 ba · 2,261 sqft · $201/sqft · 243 DOM

4183 CORTLAND DRIVESold · Nov ’25

$370,000

4183 CORTLAND DRIVE · same community

4 bd · 3 ba · 2,027 sqft · $183/sqft · 426 DOM

168 HAMPTON LOOPSold · Aug ’26

$600,000

168 HAMPTON LOOP

4 bd · 3.5 ba · 2,537 sqft · $236/sqft · 157 DOM

Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.

Your home team

The pros in your corner

Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.

Cindy Fernandez

Your agent

Cindy Fernandez

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 4628 CORTLAND DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 4628 CORTLAND DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

4628 CORTLAND DRIVE FAQs

What would the monthly payment be for 4628 CORTLAND DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,433/mo — principal and interest, the actual property-tax bill, the $133/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.

How much are the HOA fees at 4628 CORTLAND DRIVE?+

The association fee works out to $133 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 4628 CORTLAND DRIVE?+

The most recent tax bill on record (2025) was $5,396. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Can 4628 CORTLAND DRIVE be rented short-term?+

Yes — this home sits inside Providence, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.

Are pets allowed at 4628 CORTLAND DRIVE?+

The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.

How does the price compare to other homes in Davenport?+

At $425,000, this home is listed about 9% above the Davenport median of $389,970. The market section on this page shows how the area is trending.

Which schools are assigned to 4628 CORTLAND DRIVE?+

Loughman Oaks Elementary School (elementary), Ridge Community High School (high), Shelley S. Boone Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.

The brief

Four things that matter here

01Positioned at the premium end

$425,000 runs 31% above the DAVENPORT 33837 median — but at 2,522 sqft it's also 29% larger than the typical Davenport listing.

02Zoned for nightly rentals

Providence is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.

03Time on market is leverage

188 days on market against a Davenport median of 56 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $450,000, now $425,000 — a $25K cut. The full history is in the market section below.

Listing courtesy of SERHANT · Vincent Cordaro. MLS #G5107497.

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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.

Never miss a listing

New Davenport homes, in your inbox

Like 4628 CORTLAND DRIVE but not quite? A daily digest of every new listing in Davenport — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask Cindy to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated August 12, 2026 at 3:45 PM UTC. The listing information on this page last changed on August 12, 2026 at 3:45 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on August 12, 2026 at 3:45 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: August 12, 2026 at 3:45 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.