2055 S FLORAL AVENUE UNIT 224, BARTOW, FL, 33830
Active4 days on marketListed Oct 8, 2026MLS #L4965640
About this home
2055 S FLORAL AVENUE UNIT 224
Welcome to this charming 2-bedroom, 2-bath home in the desirable Floral Lakes 55+ community in Bartow. Offering 1,392 square feet of comfortable living space, this home is situated on the lake with 50 feet of lake frontage and features a private dock, creating a peaceful setting to enjoy the outdoors and beautiful surroundings. Inside, the home offers a comfortable and functional layout with laminate flooring throughout and a sunroom that provides additional living space and a relaxing spot to take in the views. Both bathrooms have been updated, and the home also features updated plumbing fixtures and a new water heater. Appliances are included for added convenience. Outdoor amenities include two separate 1-car carports, along with a covered space for a golf cart. Community amenities include a sparkling pool, shuffleboard courts, clubhouse, boat ramp, and more, offering plenty of opportunities to stay active, socialize, and enjoy the Florida lifestyle. Golf carts are also welcome throughout the community, making it easy to get around and enjoy all that Floral Lakes has to offer.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,392
Sqft
0.13 ac
Lot size
1981
Year built
One
Levels
$136
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.
$1,579 /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
$1,579/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
−0.7%
$/sqft vs FLORAL LAKES
$136 vs $138
Days on market
4 vs 57 typical
Where $136/sqft sits among the 10 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 → $312K
Bartow median sold, yr/yr
98.0%
Sale-to-list ratio (12 mo)
6 of 10
FLORAL LAKES have cut their price
Median sold price, Bartow, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 40% 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 224
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$210,000
2055 S FLORAL AVENUE UNIT 322 · same community
2 bd · 2 ba · 1,416 sqft · $148/sqft · 132 DOM
Sold · Sep ’26$194,000
2055 S FLORAL AVENUE UNIT 246 · same community
2 bd · 2 ba · 1,440 sqft · $135/sqft · 79 DOM
Sold · May ’26$172,000
2055 S FLORAL AVENUE UNIT 7 · same community
2 bd · 2 ba · 1,344 sqft · $128/sqft · 6 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
Seth Cabrera - Rothschild
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2055 S FLORAL AVENUE UNIT 224 — 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 224 — before you fall in love.
See it in person
Schedule a tour
Live availability from Seth's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2055 S FLORAL AVENUE UNIT 224 FAQs
What would the monthly payment be for 2055 S FLORAL AVENUE UNIT 224?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,579/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 224?+
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 224?+
The most recent tax bill on record (2026) was $1,337. 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 224?+
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 Bartow?+
At $189,950, this home is listed about 41% below the Bartow median of $322,350. The market section on this page shows how the area is trending.
Which schools are assigned to 2055 S FLORAL AVENUE UNIT 224?+
Spessard L Holland Elementary (elementary), Bartow Senior High School (high), Bartow Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the BARTOW 33830 market on paper
$189,950 is 40% below the BARTOW 33830 median of $318,950, and at $136/sqft it sits under the Bartow average of $183.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 4 days on market in a Bartow market that averages 57 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of PORCHLIGHT HOMES LLC · Angie Reynolds. MLS #L4965640.
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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