409 ROYAL PALM DR, DAVENPORT, FL, 33837
Active7 days on marketListed Sep 14, 2026MLS #S5157447
Come see it
Upcoming open house
Sun, Sep 27
1:00 PM – 4:00 PM
Hosted by Vito and Nancy Lanzillo. Nexa Mortgage Senior Home Loan Consultant Cliff Reiher will be available to answer questions about various loan products.
About this home
409 ROYAL PALM DR
Virtually Staged. RidgeDale 3/2 with Plantation Shutters, Well for Irrigation, Remodeled Primary Bathroom, Custom Built-In Office Desks & Workspace, Solid Surface Floors, Granite Countertops and South-Facing Florida Room + 2 Patios, located 0.3 miles from the private High Vista 55+ clubhouse and outdoor amenity center. Brick-paver patios, driveway and walkway to front entry. Custom-made sidelight and domed overhead transom window from a local High Vista artisan. 12 FT ceiling in central Great Room. Primary en suite bedroom with cathedral ceiling has 2 walk-in closets and pocket-door entry to private bath. Eat-in Kitchen has vaulted ceiling, pendant lighting over breakfast bar, solid wood cabinets and corridor Laundry access to Garage with extra overhead storage. Water heater (2022); HVAC (2021); Windbreak sliders in FL Room (2020); Roof (2016). Sold As-Is. Ridgewood Lakes is a golf cart friendly community. $230 monthly High Vista HOA fee includes Spectrum internet and basic cable TV with 2 cable boxes, lawn mowing and exclusive access to resident-owned 12,000 SF private High Vista clubhouse and amenities. $425 semi-annual Ridgewood Lakes HOA fee provides 24x7 staffed security gate and master association-owned private road maintenance. Adjacent to 18-hole White Heron Golf Club with The Nest restaurant, privately owned and open to the public. High Vista is a 55+ community with outdoor heated pool and spa, fitness center, library, pub & many organized activities. Pickle ball, tennis, bocce and shuffleboard courts. Miles of biking and walking trails within Ridgewood Lakes gated community. Shopping, Disney, Universal, Orlando & Central FL entertainment nearby, easy access to I-4, medical facilities, airports & Sunrail Station. Advent Health hospital is 3 miles away.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,788
Sqft
0.12 ac
Lot size
2
Garage
2002
Year built
One
Levels
$188
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.
$2,845 /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
$2,845/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
−0.1%
$/sqft vs Davenport actives
$188 vs $185
Days on market
7 vs 54 typical
Where $188/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
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,250/mo median
Live Davenport rental listing data — this home’s rate depends on size, condition and furnishing.
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 → $366K
Davenport median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
201 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 5% above the DAVENPORT 33837 median. See the full Davenport market guide →
Paper trail
This home's history
Reality check
What actually sold near 409 ROYAL PALM DR
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$327,500
100 LAUREL OAK PASS · same community
2 bd · 2 ba · 1,792 sqft · $183/sqft · 500 DOM
Sold · Mar ’26$330,000
106 MOSSY OAK DR · same community
3 bd · 2 ba · 1,797 sqft · $184/sqft · 310 DOM
Sold · Jul ’26$304,000
511 ROYAL PALM DR · same community
3 bd · 2 ba · 1,776 sqft · $171/sqft · 31 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
Julian Rivera
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 409 ROYAL PALM DR — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 409 ROYAL PALM DR — before you fall in love.
See it in person
Schedule a tour
Live availability from Julian's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
409 ROYAL PALM DR FAQs
What would the monthly payment be for 409 ROYAL PALM DR?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,845/mo — principal and interest, the actual property-tax bill, the $230/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 409 ROYAL PALM DR?+
The association fee works out to $230 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 409 ROYAL PALM DR?+
The most recent tax bill on record (2026) was $3,867. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 409 ROYAL PALM DR 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 409 ROYAL PALM DR?+
The listing reports pets: Number Limit, Size 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 $337,000, this home is listed about 14% below the Davenport median of $389,900. The market section on this page shows how the area is trending.
Which schools are assigned to 409 ROYAL PALM DR?+
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 KELLER WILLIAMS REALTY AT THE LAKES · Nancy Lanzillo. MLS #S5157447.
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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