6655 MERLE STREET, BRADLEY, FL, 33835
Active29 days on marketListed Sep 19, 2026MLS #O6443295
About this home
6655 MERLE STREET
URGENT SALE — $199,900! NO HOA! Seller is seeking a quick closing on this 3-bedroom, 2-bath home at 6655 Merle Street in Bradley. Offering approximately 1,128 heated square feet, this single-story home features a 2022 ROOF, newer windows throughout, and an attached ONE-CAR GARAGE with a workbench. Recent improvements include new faucets, bathtub cartridges, toilets, and sod. Tile flooring runs through most of the home, with replacement carpet in two bedrooms and painted concrete flooring in the third. The primary bedroom includes a walk-in closet. Public water, a septic system last inspected in 2022, and convenient access to Mulberry and surrounding Polk County communities round out the property. Offered AS-IS, with an opportunity to add your own finishing touches. Exterior photos only; schedule a confirmed appointment to view the interior. SELLER’S GOAL IS TO CLOSE WITHIN 30 DAYS OR LESS. Bring your written offer — $199,900, THREE BEDROOMS, TWO BATHS, AND NO HOA! Windows include a transferable warranty.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,128
Sqft
0.11 ac
Lot size
1
Garage
1998
Year built
One
Levels
$172
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.
$1,540 /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
$1,540/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
+32.2%
Days on market
29 vs 18 typical
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 Bradley
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bradley. See the full Bradley guide →
BRADLEY 33835 — neighborhood snapshot
Population
103
Median age
52.8
Avg household
2.34
Households w/ children
18%
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Bradley market
$375K → $198K
Bradley median sold, yr/yr
Paper trail
This home's history
Reality check
What actually sold near 6655 MERLE STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$254,000
6668 CAIN STREET · same community
3 bd · 2 ba · 1,512 sqft · $168/sqft · 8 DOM
Sold · Oct ’25$198,000
410 ORANGE STREET
2 bd · 1 ba · 1,104 sqft · $179/sqft · 17 DOM
Sold · May ’26$130,950
6954 1ST STREET
3 bd · 2 ba · 1,385 sqft · $95/sqft · 5 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 6655 MERLE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 6655 MERLE STREET — 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
6655 MERLE STREET FAQs
What would the monthly payment be for 6655 MERLE STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,540/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 6655 MERLE STREET?+
The most recent tax bill on record (2025) was $1,830. 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 6655 MERLE STREET?+
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 Bradley?+
At $194,000, this home is priced right at the Bradley median.
Which schools are assigned to 6655 MERLE STREET?+
Mulberry Middle School (middle), Mulberry Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of MARK SPAIN REAL ESTATE · Charles Watson. MLS #O6443295.
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.
Never miss a listing
New Bradley homes, in your inbox
Like 6655 MERLE STREET but not quite? A daily digest of every new listing in Bradley — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Anealya to ping you on any price or status change →