4986 MOUNT OLIVE SHORES DRIVE, POLK CITY, FL, 33868
Active11 days on marketListed Sep 29, 2026MLS #P4939882
About this home
4986 MOUNT OLIVE SHORES DRIVE
Virtually Staged. Enjoy beautiful waterfront views and the Florida RV lifestyle at 4986 Mount Olive Shores Dr in the gated, deed-restricted Class A motorhome community of Mount Olive Shores! This furnished, two-bedroom, two-bath home offers 1,512 square feet of living space on a spacious 0.28-acre lot and is installed on a concrete slab. A NEW ROOF will be installed, and a NEW A/C UNIT is already in place, adding value and comfort for the next owner. For added peace of mind, the home comes with a one-year Premium Assurant Home Warranty provided at closing. Inside, you’ll find a welcoming living area, a spacious kitchen, a separate laundry room, and a versatile bonus room ideal for a home office, hobby room, or additional living space. The primary suite features a walk-in closet and a bathroom with separate sink areas. Step outside onto the generous 16-by-18-foot deck to relax and take in the beautiful waterfront view. A workshop with overhead attic storage provides room for projects and storage. The approximately 14-foot-high, 17-foot-wide, and 50-foot-long RV port offers covered parking for your motorhome, with an RV hookup adding everyday convenience. Mount Olive Shores offers a relaxed community setting with a clubhouse, fishing, and golf-cart-friendly streets. Annual HOA fees include grounds maintenance, private road maintenance, management, and trash service. Convenient access to I-4 puts shopping, dining, medical services, and Central Florida attractions within reach, along with connections to Tampa and Orlando International Airports. Whether you’re looking for a full-time residence or a seasonal home base between adventures, this property offers space, convenience, and the RV lifestyle you’ve been looking for. Class A motorhome ownership is required. Schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,512
Sqft
0.28 ac
Lot size
1999
Year built
One
Levels
$142
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.
$1,702 /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
$1,702/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
−2.6%
$/sqft vs Polk City actives
$142 vs $262
Days on market
11 vs 107 typical
Where $142/sqft sits among the 93 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)
44 of 93
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 339% 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 4986 MOUNT OLIVE SHORES DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$175,000
4961 MOUNT OLIVE SHORES DRIVE · same community
2 bd · 2 ba · 1,352 sqft · $129/sqft · 393 DOM
Sold · Jul ’26$329,990
5543 BELDI DRIVE
3 bd · 2 ba · 1,536 sqft · $215/sqft · 135 DOM
Sold · Dec ’25$270,000
8839 CONWAY ROAD
3 bd · 2 ba · 1,540 sqft · $175/sqft · 107 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
Pedro Ribeiro Gloria
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4986 MOUNT OLIVE SHORES DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4986 MOUNT OLIVE SHORES DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Pedro's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4986 MOUNT OLIVE SHORES DRIVE FAQs
What would the monthly payment be for 4986 MOUNT OLIVE SHORES DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,702/mo — principal and interest, the actual property-tax bill, the $100/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 4986 MOUNT OLIVE SHORES DRIVE?+
The association fee works out to $100 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4986 MOUNT OLIVE SHORES DRIVE?+
The most recent tax bill on record (2025) was $976. 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 4986 MOUNT OLIVE SHORES DRIVE?+
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 Polk City?+
At $215,000, this home is listed about 45% 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 4986 MOUNT OLIVE SHORES DRIVE?+
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 COLDWELL BANKER REALTY · Ed Fahner PA. MLS #P4939882.
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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