4550 POLK CITY ROAD, HAINES CITY, FL, 33844
Active40 days on marketListed Aug 11, 2026MLS #L4964190
About this home
4550 POLK CITY ROAD
Welcome home, where you can enjoy the Florida lifestyle from your own lakefront property! This 3-bedroom, 2-bath home offers a comfortable and functional layout complemented by a peaceful waterfront setting. Enjoy relaxing by the water, taking in the views, and having your own piece of Central Florida lakefront living right outside your door. Another standout feature is the age of the home's major components. The roof, A/C system, and water heater are approximately 2 years old, while the appliances are approximately 6 months old, offering added peace of mind when it comes to several of the home's major systems. The property is serviced by a private well and septic system and features a Culligan water system. Electric service is provided by Duke Energy, with the seller reporting an average electric bill of approximately $124 per month and average homeowners insurance of approximately $97 per month. With its lakefront location, newer major systems, updated appliances, and spacious outdoor setting, this property offers an opportunity to enjoy a quieter Florida lifestyle while remaining conveniently accessible to Haines City, Polk City, major roadways, shopping, dining, and other Central Florida destinations. Come experience the views and waterfront setting for yourself—schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,456
Sqft
0.3 ac
Lot size
2024
Year built
One
Levels
$206
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 — not generic estimates.
$2,367 /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
$2,367/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
+8.8%
$/sqft vs NOT IN SUBDIVISION
$206 vs $231
Days on market
40 vs 46 typical
Where $206/sqft sits among the 143 homes for sale in NOT IN SUBDIVISION
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 Haines City
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Haines City. See the full Haines City guide →
HAINES CITY 33844 — neighborhood snapshot
Population
49,133
Median age
39.4
Median income
$60,426
Median home value
$212,700
Avg household
2.9
Households w/ children
5,568
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Haines City market
$319K → $309K
Haines City median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
79 of 143
NOT IN SUBDIVISION have cut their price
Median sold price, Haines City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 4% above the HAINES CITY 33844 median. See the full Haines City market guide →
Paper trail
This home's history
Reality check
What actually sold near 4550 POLK CITY ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$330,000
4145 WILLOW OAK ROAD · same community
3 bd · 2 ba · 1,448 sqft · $228/sqft · 52 DOM
Sold · Jun ’26$190,000
3169 N US HIGHWAY 129 · same community
2 bd · 2 ba · 1,440 sqft · $132/sqft · 59 DOM
Sold · Apr ’26$305,000
6880 WILSON AVENUE · same community
3 bd · 2 ba · 1,401 sqft · $218/sqft · 229 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4550 POLK CITY ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4550 POLK CITY ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4550 POLK CITY ROAD FAQs
What would the monthly payment be for 4550 POLK CITY ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,367/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 4550 POLK CITY ROAD?+
The most recent tax bill on record (2025) was $3,700. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Haines City?+
At $300,000, this home is listed about 4% below the Haines City median of $313,995. The market section on this page shows how the area is trending.
Which schools are assigned to 4550 POLK CITY ROAD?+
Ridge Community High School (high), Horizons Elementary School (elementary), 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 LIVE FLORIDA REALTY · Gregory James, Jr. MLS #L4964190.
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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