991 OLD CUTLER ROAD, LAKE WALES, FL, 33898
Active6 days on marketListed Oct 6, 2026MLS #P4939944
About this home
991 OLD CUTLER ROAD
Virtually Staged. Looking for a Lake Wales, FL home with a private saltwater pool. Welcome to 991 Old Cutler Rd. This 2-bedroom, 2-bathroom block and stucco single-family home, built in 1997, offers 1,216 square feet of easy one-story living on a 0.24-acre lot.Inside, the living room and dining area are combined, with ceiling fans and plenty of space (the living room is about 19x18) to arrange however works for you. The kitchen has stone counter tops and a pantry. The primary bedroom includes a walk-in closet and an en suite bath with a walk-in shower. The second bedroom and full bath are ideal for guests, a home office, or a hobby room. Out back, the gunite salt water pool is the centerpiece. An irrigation system and garden area gives you options for the large space. Golf carts are allowed for easy travel within the community, location in flood zone X, this Polk County home is a smart fit for first-time buyers, downsizers, snowbirds, and anyone who wants a Florida pool home at an approachable price. Homestead exemption in place. Schedule your showing today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,216
Sqft
0.24 ac
Lot size
2
Garage
1997
Year built
One
Levels
$219
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.
$2,098 /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
$2,098/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
+0.5%
$/sqft vs Lake Wales actives
$219 vs $167
Days on market
6 vs 84 typical
Where $219/sqft sits among the 381 Lake Wales 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 Lake Wales
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lake Wales. See the full Lake Wales guide →
LAKE WALES 33898 — neighborhood snapshot
Population
18,426
Median age
46.9
Median income
$54,778
Median home value
$161,500
Avg household
2.51
Households w/ children
1,790
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lake Wales market
$275K → $249K
Lake Wales median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
178 of 381
Lake Wales actives have cut their price
Median sold price, Lake Wales, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 90% above the LAKE WALES 33898 median. See the full Lake Wales market guide →
Paper trail
This home's history
Reality check
What actually sold near 991 OLD CUTLER ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$215,000
2930 JASMINE AVENUE
3 bd · 2 ba · 1,244 sqft · $173/sqft · 0 DOM
Sold · Dec ’25$264,400
2117 EMMA LANE
3 bd · 2 ba · 1,266 sqft · $209/sqft · 61 DOM
Sold · Apr ’26$160,000
10104 VILLAGE DRIVE UNIT 4
2 bd · 2 ba · 1,280 sqft · $125/sqft · 138 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 991 OLD CUTLER ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 991 OLD CUTLER ROAD — 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
991 OLD CUTLER ROAD FAQs
What would the monthly payment be for 991 OLD CUTLER ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,098/mo — principal and interest, the actual property-tax bill, the $70/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 991 OLD CUTLER ROAD?+
The association fee works out to $70 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 991 OLD CUTLER ROAD?+
The most recent tax bill on record (2025) was $2,222. 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 991 OLD CUTLER ROAD?+
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 Lake Wales?+
At $265,900, this home is listed about 9% above the Lake Wales median of $245,000. The market section on this page shows how the area is trending.
Which schools are assigned to 991 OLD CUTLER ROAD?+
Spook Hill Elementary School (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$265,900 runs 90% above the LAKE WALES 33898 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 6 days on market in a Lake Wales market that averages 84 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of CROSBY & ASSOCIATES, INC. · Kimberly Davis. MLS #P4939944.
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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