545 CANTABRIA DRIVE, DAVENPORT, FL, 33837
Pending137 days on marketListed Mar 23, 2026MLS #S5145740
About this home
545 CANTABRIA DRIVE
Welcome Home to an Active Lifestyle! This immaculate light-and-bright home, located in the Ridgewood Lakes/Del Webb 55+ community, offers 2-bedrooms, 2-baths, and a den/office. From the moment you enter, you will feel the specialness of a place that is loved, which boasts tile floors and plantation shutters in the living, dining, and kitchen areas, French doors opening to the den, enhanced lighting, granite countertops, a spacious laundry room, and epoxy flooring in the 2-car garage. The kitchen is a chef's delight with an oversized island, natural gas range, touchless faucet, and an abundance of cabinetry (including roll-out trays in the lower cabinets that maximize accessibility and organization by bringing back-of-cabinet items into easy reach). The kitchen leads to a screened lanai where you can enjoy your morning coffee. The Taft floorplan features split bedrooms which gives you and your guests privacy, while the home's security system and the community's manned gate provides peace of mind. You'll be amazed at all the amenities at your disposal in Ridgewood Lakes — the elegant 30,000+ square foot Montecito Clubhouse features a tavern (with live music, karaoke, trivia, and bingo), heated indoor pool/spa, state-of-the-art fitness center, indoor walking track, craft room, billiards, ping-pong, and a ballroom and outside you'll find a resort-style pool, screened-in gazebo overlooking a scenic lake, large brick fire-pit, amphitheater, community garden center, pickleball, tennis, bocce ball, basketball, and shuffleboard courts, fishing dock, dog park with a doggie watering station, and miles of picturesque walking/biking trails. The White Heron golf course and White Nest restaurant are a short walk from the clubhouse. Nearby Ridgewood Lakes, you'll find shopping, restaurants, and entertainment in Posner Park, Advent Health Hospital, and major highways. Living in Central Florida means you're a just a drive away from many theme parks (including Disney, Universal, Legoland, Sea World, Bok Tower, and Kennedy Space Center) and a visit to the beaches on either coast. This lovely home at 545 Cantabria Drive in Davenport, Florida is a wonderful place to call home!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,433
Sqft
0.11 ac
Lot size
2
Garage
2018
Year built
One
Levels
$209
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.
$2,699 /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
$2,699/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%
Days on market
137 vs 53 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.
The investor lens
Two ways this home pays
This home sits inside Ridgewood Lakes Village, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,298/mo median
Live Davenport rental listing data — this home’s rate depends on size, condition and furnishing.
The Florida short-term market
▼ Softening46%
Occupancy
▼ 35% yr/yr
$302
Avg nightly rate
▲ 16% yr/yr
$31K/yr
Revenue per listing
$138
RevPAR
70 days
Booking lead time
5.9 nights
Avg stay
3
Typical min nights
3,730
Active rentals
▲ 7% supply
Seasonality — monthly occupancy
Peaks at 55% in Mar · bottoms at 36% in Jun
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Florida — the projection above is specific to this home’s size.
Where it sits
Inside Ridgewood Lakes Village
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Ridgewood Lakes Village is a short-term-rental community. See the full guide →
Ridgewood Lakes Village — neighborhood snapshot
Population
3,034
Median age
53
Median income
$70,380
Median home value
$328,641
Avg household
3
Households w/ children
303
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Davenport market
$350K → $370K
Davenport median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
Median sold price, Davenport, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 6% below the DAVENPORT 33837 median. See the full Davenport market guide →
Paper trail
This home's history
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
Krystina Allen
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 545 CANTABRIA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 545 CANTABRIA DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Krystina's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
545 CANTABRIA DRIVE FAQs
What would the monthly payment be for 545 CANTABRIA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,699/mo — principal and interest, the actual property-tax bill, the $282/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 545 CANTABRIA DRIVE?+
The association fee works out to $282 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 545 CANTABRIA DRIVE?+
The most recent tax bill on record (2025) was $4,303. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 545 CANTABRIA DRIVE be rented short-term?+
Yes — this home sits inside Ridgewood Lakes Village, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 545 CANTABRIA DRIVE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK. 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 Davenport?+
At $300,000, this home is listed about 23% below the Davenport median of $389,999. The market section on this page shows how the area is trending.
Which schools are assigned to 545 CANTABRIA DRIVE?+
Horizons Elementary School (elementary), Ridge Community High School (high), Shelley S. Boone Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the DAVENPORT 33837 market on paper
$300,000 is 6% below the DAVENPORT 33837 median of $320,000.
02Zoned for nightly rentals
Ridgewood Lakes Village is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Time on market is leverage
137 days on market against a Davenport median of 53 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $304,924, now $300,000 — a $5K cut. The full history is in the market section below.
Listing courtesy of BETTER HOMES & GARDENS LIFESTYLES REALTY · Sandy Harper. MLS #S5145740.
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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