3512 CORTLAND DRIVE, DAVENPORT, FL, 33837
Active3 days on marketListed Sep 17, 2026MLS #G5117822
About this home
3512 CORTLAND DRIVE
A private heated pool and raised spillover spa highlight this four-bedroom, three-bathroom home in Providence’s guard-gated Cortland Woods neighborhood. Offering 2,261 square feet of single-story living and an attached three-car garage, the home combines generous indoor space with a screened outdoor retreat. The kitchen features a center island, wraparound breakfast bar, abundant cabinetry and counter space, and easy flow into the living area and covered lanai. Additional highlights include a custom walk-in closet and a primary bathroom with a soaking tub and separate glass-enclosed shower. Recent improvements include a roof replaced in 2023 and pool filter, pump, and electronic controls updated approximately one year ago. The refrigerator, dishwasher, washer, and dryer were replaced within the past 12 months. The solar panels and whole-home generator are fully paid off, with no solar loan or lease for the buyer to assume. Providence amenities include a clubhouse, fitness center, lighted tennis courts, community pools, an 18-hole golf course, and on-site dining, with golf available separately. Located approximately 13 miles from Walt Disney World Resort, this home offers convenient access to Central Florida attractions and private outdoor living at home.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,261
Sqft
0.17 ac
Lot size
3
Garage
2012
Year built
One
Levels
$221
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.
$3,953 /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
$3,953/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
+1%
$/sqft vs Davenport actives
$221 vs $186
Days on market
3 vs 54 typical
Where $221/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
$2,250/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 → $366K
Davenport median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
199 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 54% above the DAVENPORT 33837 median. See the full Davenport market guide →
Paper trail
This home's history
Reality check
What actually sold near 3512 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 · Nov ’25$385,000
1948 GREENBRIAR TERRACE
3 bd · 2.5 ba · 2,281 sqft · $169/sqft · 5 DOM
Sold · Jun ’26$725,000
235 HAMPTON LOOP
3 bd · 3 ba · 2,284 sqft · $317/sqft · 338 DOM
Sold · Jan ’26$665,000
247 HAMPTON LOOP
4 bd · 3.5 ba · 2,225 sqft · $299/sqft · 227 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 3512 CORTLAND DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3512 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
3512 CORTLAND DRIVE FAQs
What would the monthly payment be for 3512 CORTLAND DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,953/mo — principal and interest, the actual property-tax bill, the $147/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 3512 CORTLAND DRIVE?+
The association fee works out to $147 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3512 CORTLAND DRIVE?+
The most recent tax bill on record (2025) was $5,850. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 3512 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 3512 CORTLAND DRIVE?+
The listing reports pets: Cats OK, Dogs OK, 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 $499,000, this home is listed about 28% above the Davenport median of $389,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3512 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
$499,000 runs 54% above the DAVENPORT 33837 median — but at 2,261 sqft it's also 15% 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.
03Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
04Fresh on the market
Only 3 days on market in a Davenport market that averages 54 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of LIST NOW REALTY, LLC · Matt Buttner. MLS #G5117822.
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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