423 ARMADA LANE, DAVENPORT, FL, 33837
Active80 days on marketListed May 19, 2026MLS #S5149772
About this home
423 ARMADA LANE
Welcome home to Del Webb Orlando! Truly exceptional 55+ resort-style living located in the gated golf community of Ridgewood Lakes. Convenient to shopping, hospital, restaurants, theme parks, airport and just a little over an hour to some of the world's most beautiful beaches! Located on a spacious corner lot, this highly sought-after Segovia model offers elegant living with soaring 12-foot ceilings and an exceptional open floor plan. Featuring 2 bedrooms, 2 baths, plus a versatile flex room with easy conversion potential to a 3rd bedroom, this home combines comfort, style, and functionality. A grand oversized foyer welcomes you into the expansive Gathering Room that flows seamlessly into the kitchen, elegant dining room, and sunny breakfast room — perfect for entertaining and everyday living. The kitchen is beautifully appointed with granite countertops, an eat-at breakfast bar, newer appliances, and convenient roll-out cabinetry. The oversized primary suite is a true retreat featuring an ensuite bath with dual sinks, a relaxing garden tub, separate shower, private commode, and an enormous walk-in closet. The split-bedroom floor plan provides added privacy for guests and owners alike. Additional highlights include an interior laundry room and a Generac whole-house generator for added peace of mind. Roof replaced in 2016 New Exterior Paint 2026, New Heat Pump 2025. Enjoy year-round Florida living in the beautiful 4-season room overlooking the additional screened lanai complete with a hot tub — the perfect place to relax and unwind. This exceptional home offers spacious living, thoughtful upgrades, and wonderful indoor-outdoor entertaining spaces all in one impressive package. LAWN MAINTENANCE INCLUDED IN LOW HOA FEE! Bringing a furry friend? You will love the dog park with separated areas for large and smaller pups, complete with a doggie water station! The resident owned Montecito Clubhouse is a state-of-the-art facility with 30,000 square feet of amenities. Complete with fitness center, indoor walking track, dance/aerobic studio, ballroom, craft rooms, resort-style outdoor pool, and even an indoor pool and hot tubs! Grab a bite to eat and your favorite beverage at La Tapenade Tavern where you can also enjoy live music, karaoke, trivia, and bingo Wednesday - Saturday. Looking for more activities? Try your hand at pickleball, shuffleboard, tennis, bocce ball, or basketball. How about a relaxing day of golf at Ridgewood Lake's White Heron Public Golf Club and Restaurant /Bar? Take a stroll along the picturesque walking paths by the beautiful lakes or try your luck hooking a fish on the fishing dock. 24/7 GUARDED GATE ACCESS. BONUS - This community has NO CDD! You're just minutes away from everything you need. Call today to schedule your private showing. This home truly checks every box—location, upgrades, and lifestyle—all within the sought-after Del Webb Orlando community.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,970
Sqft
0.17 ac
Lot size
2
Garage
2009
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.
$3,051 /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
$3,051/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
−1.7%
$/sqft vs Davenport actives
$183 vs $192
Days on market
80 vs 53 typical
Where $183/sqft sits among the 400 Davenport 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.
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 · projected
$39,517/yr gross
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)
173 of 400
Davenport actives have cut their price
Median sold price, Davenport, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 11% above the DAVENPORT 33837 median. See the full Davenport market guide →
Paper trail
This home's history
Reality check
What actually sold near 423 ARMADA LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$375,000
300 DEL SOL AVENUE · same community
2 bd · 2 ba · 1,728 sqft · $217/sqft · 189 DOM
Sold · Jan ’26$399,900
508 ZAMORA WAY
3 bd · 2 ba · 1,962 sqft · $204/sqft · 8 DOM
Sold · Aug ’25$430,000
802 SORIA LANE
2 bd · 2 ba · 1,980 sqft · $217/sqft · 11 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
Iain Robinson
Broker Associate · CENTURY 21 Edge
Tours, negotiation, and every question about 423 ARMADA LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 423 ARMADA LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Iain's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
423 ARMADA LANE FAQs
What would the monthly payment be for 423 ARMADA LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,051/mo — principal and interest, the actual property-tax bill, the $333/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 423 ARMADA LANE?+
The association fee works out to $333 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 423 ARMADA LANE?+
The most recent tax bill on record (2025) was $3,364. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 423 ARMADA LANE 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 423 ARMADA LANE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 Davenport?+
At $359,900, this home is listed about 8% below the Davenport median of $389,999. The market section on this page shows how the area is trending.
Which schools are assigned to 423 ARMADA LANE?+
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.
Keep looking
Similar homes nearby
Listing courtesy of GATHERING ROOM REAL ESTATE · Shelly Hertel. MLS #S5149772.
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 Davenport homes, in your inbox
Like 423 ARMADA LANE but not quite? A daily digest of every new listing in Davenport — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Iain to ping you on any price or status change →