
4628 CORTLAND DRIVE, DAVENPORT, FL, 33837
Active188 days on marketListed Feb 5, 2026MLS #G5107497
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
Inside
Outside & construction
Community & fees
Utilities & systems
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%
The assumptions
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
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,433/mo
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.
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
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
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,298/mo median
Live Davenport rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Providence
Drive times from this address
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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Davenport 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
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.
Sold · Jun ’26$455,000
3590 CORTLAND DRIVE · same community
3 bd · 3 ba · 2,261 sqft · $201/sqft · 243 DOM
Sold · Nov ’25$370,000
4183 CORTLAND DRIVE · same community
4 bd · 3 ba · 2,027 sqft · $183/sqft · 426 DOM
Sold · 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.
Your agent
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4628 CORTLAND DRIVE — start here.

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.
Keep looking
Similar homes nearby
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.
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