1097 CARAVAN LOOP, POLK CITY, FL, 33868
Active27 days on marketListed Sep 14, 2026MLS #L4963740
About this home
1097 CARAVAN LOOP
Welcome to easy Florida living in this beautifully updated 2-bedroom, 2-bath single-family home located in a sought-after active adult community in Polk City. Offering 1,758 square feet of thoughtfully designed living space, this move-in ready home has been extensively updated for comfort, style, and peace of mind. The stunning 2024 kitchen renovation features granite countertops, soft-close cabinetry, new appliances, under-cabinet lighting, updated fixtures, and GFI outlets. Tile flooring throughout, installed in 2020, provides a clean, cohesive look. The spacious screened lanai was beautifully updated in 2022 with new screens, doors, ceiling, ceiling fan, Bali sunshades, and swing hooks—creating the perfect space to relax year-round looking at the pond. Additional improvements include HVAC (2020), water heater (2020), washer and dryer (2024), TOTO toilets, water softener and reverse osmosis system (2019), attic flooring for easy HVAC access, and replacement windows and sliding glass doors (2020) with a lifetime transferable warranty. The private irrigation well was installed in 2021. The 54x14 RV Port with full hook ups to park your RV. Residents enjoy an exceptional lifestyle with two clubhouses, two community pools, fitness centers, pickleball courts, and a full calendar of social activities. This beautifully maintained home is ready for its next owner to enjoy.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,577
Sqft
0.16 ac
Lot size
2000
Year built
One
Levels
$278
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.
$3,427 /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
$3,427/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
−5%
$/sqft vs MT OLIVE SHORES NORTH
$278 vs $303
Days on market
27 vs 107 typical
Where $278/sqft sits among the 7 homes for sale in MT OLIVE SHORES NORTH
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.
Where it sits
Inside Polk City
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Polk City. See the full Polk City guide →
POLK CITY 33868 — neighborhood snapshot
Population
13,676
Median age
40.7
Median income
$74,048
Median home value
$235,600
Avg household
2.89
Households w/ children
1,446
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Polk City market
$280K → $300K
Polk City median sold, yr/yr
96.2%
Sale-to-list ratio (12 mo)
2 of 7
MT OLIVE SHORES NORTH have cut their price
Median sold price, Polk City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 796% above the POLK CITY 33868 median. See the full Polk City market guide →
Paper trail
This home's history
Reality check
What actually sold near 1097 CARAVAN LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$499,000
161 LAYNEWADE ROAD · same community
3 bd · 2 ba · 1,586 sqft · $315/sqft · 262 DOM
Sold · Jul ’26$311,000
535 NARROW POND ROAD · same community
1 bd · 1 ba · 796 sqft · $391/sqft · 550 DOM
Sold · Aug ’26$295,000
316 MOTORCOACH DRIVE S · same community
0 bd · 1 ba · 578 sqft · $510/sqft · 301 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
Anthony Richardson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1097 CARAVAN LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1097 CARAVAN LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Anthony's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1097 CARAVAN LOOP FAQs
What would the monthly payment be for 1097 CARAVAN LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,427/mo — principal and interest, the actual property-tax bill, the $135/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 1097 CARAVAN LOOP?+
The association fee works out to $135 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1097 CARAVAN LOOP?+
The most recent tax bill on record (2025) was $4,240. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 1097 CARAVAN LOOP?+
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 Polk City?+
At $439,000, this home is listed about 13% above the Polk City median of $390,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1097 CARAVAN LOOP?+
Polk City Elementary School (elementary), Tenoroc High School (high), Lake Alfred Polytech Academy (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of WORTH CLARK REALTY · Douglass Dillard. MLS #L4963740.
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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