2055 S FLORAL AVENUE UNIT 42, BARTOW, FL, 33830
Active1 days on marketListed Aug 11, 2026MLS #L4964133
About this home
2055 S FLORAL AVENUE UNIT 42
YOU OWN THE LAND! Welcome home to your own piece of Central Florida paradise in Floral Lakes of Bartow, a pet-friendly ,55+ community offering an affordable Florida lifestyle with low monthly HOA fees and an impressive list of amenities. Well maintained, move-in ready, and priced to sell, this 2-bedroom, 2-bath home sits on a large lot near the clubhouse and offers comfortable living with plenty of flexible space. Step inside to an inviting living and dining area filled with natural light. Sliding glass doors lead to the spacious family/sunroom, creating additional space for entertaining, relaxing, a home office, hobby room, or even an additional sleeping area for visiting family and friends. Attractive wood-look vinyl plank flooring flows through the bedrooms and main living areas, with tile flooring in the sunroom and bathrooms. The formal dining area features built-in storage and beautiful bay windows that bring in plenty of Florida sunshine. The kitchen offers gorgeous wood cabinetry, included appliances, and a convenient closet pantry for additional storage. The nearby foyer provides even more flexibility with room for a dinette, desk, sitting area, or workspace. The spacious primary bedroom features a large closet and an updated private bathroom with a walk-in shower. The comfortable second bedroom is conveniently located near the updated guest bathroom with a tub/shower combination. Just off the carport, you'll find a screened porch and private utility room providing additional storage and a dedicated laundry area with washer and dryer included. The home also features a RainSoft water system. One of the biggest advantages of this property is simple: YOU OWN THE LAND. Floral Lakes combines homeownership with low HOA fees and a welcoming community atmosphere. Residents enjoy a heated community pool, clubhouse with planned activities, shuffleboard, dog park, lake access with a boat ramp, and beautifully maintained landscaping throughout the community. Conveniently located in Bartow near downtown, restaurants, shopping, recreation, and everyday necessities, you'll also enjoy a desirable Central Florida location between the Tampa and Orlando areas. If you've been looking for an affordable, move-in-ready Florida home where you can own your land, enjoy great neighbors, bring your pet, and embrace the 55+ Central Florida lifestyle, this Floral Lakes property deserves a closer look. Welcome home to Floral Lakes of Bartow.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,152
Sqft
0.14 ac
Lot size
1981
Year built
One
Levels
$143
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.
$1,546 /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
$1,546/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
+12.2%
$/sqft vs FLORAL LAKES
$143 vs $137
Days on market
1 vs 34 typical
Where $143/sqft sits among the 13 homes for sale in FLORAL LAKES
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 Bartow
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bartow. See the full Bartow guide →
BARTOW 33830 — neighborhood snapshot
Population
32,738
Median age
36.2
Median income
$62,636
Median home value
$207,900
Avg household
2.91
Households w/ children
3,768
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Bartow market
$303K → $327K
Bartow median sold, yr/yr
98.0%
Sale-to-list ratio (12 mo)
6 of 13
FLORAL LAKES have cut their price
Median sold price, Bartow, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 47% below the BARTOW 33830 median. See the full Bartow market guide →
Paper trail
This home's history
Reality check
What actually sold near 2055 S FLORAL AVENUE UNIT 42
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$153,500
2055 S FLORAL AVENUE UNIT 291 · same community
2 bd · 2 ba · 1,152 sqft · $133/sqft · 123 DOM
Sold · Apr ’26$170,000
2055 S FLORAL AVENUE UNIT 326 · same community
2 bd · 2 ba · 1,152 sqft · $148/sqft · 73 DOM
Sold · Apr ’26$185,000
2055 S FLORAL AVENUE UNIT 92 · same community
2 bd · 2 ba · 1,152 sqft · $161/sqft · 27 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 2055 S FLORAL AVENUE UNIT 42 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2055 S FLORAL AVENUE UNIT 42 — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2055 S FLORAL AVENUE UNIT 42 FAQs
What would the monthly payment be for 2055 S FLORAL AVENUE UNIT 42?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,546/mo — principal and interest, the actual property-tax bill, the $105/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 2055 S FLORAL AVENUE UNIT 42?+
The association fee works out to $105 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2055 S FLORAL AVENUE UNIT 42?+
The most recent tax bill on record (2025) was $2,834. 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 2055 S FLORAL AVENUE UNIT 42?+
The listing reports pets: Cats OK, Dogs OK. 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 Bartow?+
At $165,000, this home is listed about 48% below the Bartow median of $314,930. The market section on this page shows how the area is trending.
Which schools are assigned to 2055 S FLORAL AVENUE UNIT 42?+
Bartow Senior High School (high), Bartow Middle School (middle), James E. Stephens Academy (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Michael Hochadel. MLS #L4964133.
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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