1017 MONTGOMERY LANE, POLK CITY, FL, 33868
Active10 days on marketListed Oct 1, 2026MLS #O6445939
About this home
1017 MONTGOMERY LANE
Virtually Staged. IMMACULATE, LIKE NEW, 3 bedroom 2 bath with a backyard oasis is ready for its new owners!! Original owners with tons of custom upgrades! As you step inside, you will notice the SEPARATE dining room or flex space and beautiful LPV flooring throughout. The large OPEN concept home features an UPGRADED kitchen with SILESTONE countertops, walk-in pantry, soft close cabinets, stainless steel appliances and an oversized sink. The INSIDE laundry room features cabinets and a laundry sink. The primary bedroom has a tray ceiling, his-and-hers closets, and updated lighting throughout. The bathroom features a TILE walk-in shower, double vanities, and a water closet. Head out to the SCREENED PORCH, while you relax and enjoy your backyard. The Michael Phelps Swim Spa is the center of this PAVED paradise! There are plenty of extra outlets added, sprinkler system and fully fenced with VINYL fencing. This home is a MUST see. Schedule your tour today!!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,053
Sqft
0.19 ac
Lot size
2
Garage
2023
Year built
One
Levels
$183
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.
$2,933 /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
$2,933/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
+6.3%
$/sqft vs Polk City actives
$183 vs $270
Days on market
10 vs 107 typical
Where $183/sqft sits among the 95 Polk City actives
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)
46 of 95
Polk City actives have cut their price
Median sold price, Polk City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 665% 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 1017 MONTGOMERY LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$310,000
721 DAPHNE DRIVE · same community
4 bd · 2 ba · 1,749 sqft · $177/sqft · 124 DOM
Sold · Apr ’26$345,990
5894 KALAMATA DRIVE
4 bd · 2.5 ba · 2,121 sqft · $163/sqft · 105 DOM
Sold · Jul ’26$290,000
8746 CONOY AVENUE
4 bd · 3 ba · 1,978 sqft · $147/sqft · 43 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
Shawn Headley
Realtor · CENTURY 21 Edge
Tours, negotiation, and every question about 1017 MONTGOMERY LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1017 MONTGOMERY LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Shawn's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1017 MONTGOMERY LANE FAQs
What would the monthly payment be for 1017 MONTGOMERY LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,933/mo — principal and interest, the actual property-tax bill, the $53/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 1017 MONTGOMERY LANE?+
The association fee works out to $53 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1017 MONTGOMERY LANE?+
The most recent tax bill on record (2025) was $4,163. 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 1017 MONTGOMERY LANE?+
The listing reports pets: Breed Restrictions, 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 $375,000, this home is listed about 4% below the Polk City median of $390,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1017 MONTGOMERY LANE?+
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 KELLER WILLIAMS ADVANTAGE REALTY · Heather Pryor. MLS #O6445939.
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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