1041 MONTGOMERY LANE, POLK CITY, FL, 33868
Active1 days on marketListed Oct 22, 2026MLS #TB8560786
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About this home
1041 MONTGOMERY LANE
Virtually Staged. STUNNING, LIKE-NEW 4-BEDROOM, 2-BATH HOME LOADED WITH BEAUTIFUL UPGRADES! Meticulously maintained by its original owners, this gorgeous, move-in-ready home features an open floor plan, soaring vaulted ceilings, and stylish finishes throughout. Step inside and appreciate the spacious, airy feel, luxury vinyl plank flooring throughout the main living areas, elegant plantation shutters, designer lighting, statement chandeliers, upgraded ceiling fans, and upgraded dimmer switches. THE KITCHEN IS A SHOWSTOPPER. Enjoy countertop and storage space galore, an impressive walk-in pantry, and a sleek, oversized black undermount sink with a modern high-arc touchless faucet. THE PRIMARY SUITE features an elegant tray ceiling, large walk-in closet, and ensuite bathroom with a soaking tub and separate glass-enclosed walk-in shower featuring gorgeous floor-to-ceiling tile. Additional highlights include custom built-in shelving in one of the bedrooms and an interior laundry room with custom cabinetry and ample storage. STEP OUTSIDE AND ENJOY THE HUGE BACKYARD! Complete with a screened-in back porch and irrigation system, this outdoor space is perfect for relaxing or entertaining. LOCATION, LOCATION, LOCATION! Enjoy nearby access to the scenic TECO Auburndale Trail for walking and biking, plus convenient access to I-4 for easy commuting to Tampa and Orlando. LIKE NEW, BEAUTIFULLY UPGRADED, AND MOVE-IN READY! This exceptional home truly stands out from the rest!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,053
Sqft
0.19 ac
Lot size
2
Garage
2023
Year built
One
Levels
$170
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.
$2,817 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$2,817/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+7.1%
$/sqft vs Polk City actives
$170 vs $270
Days on market
1 vs 89 typical
Where $170/sqft sits among the 100 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)
46 of 100
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 612% 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 1041 MONTGOMERY LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$310,000
721 DAPHNE DRIVE · same community
4 bd · 2 ba · 1,749 sqft · $177/sqft · 124 DOM
Sold · Jan ’26$285,000
8850 CONWAY ROAD
3 bd · 2 ba · 1,990 sqft · $143/sqft · 102 DOM
Sold · Jul ’26$290,000
8746 CONOY AVENUE
4 bd · 3 ba · 1,978 sqft · $147/sqft · 43 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 1041 MONTGOMERY LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1041 MONTGOMERY LANE — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1041 MONTGOMERY LANE FAQs
What would the monthly payment be for 1041 MONTGOMERY LANE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,817/mo — principal and interest, the actual property-tax bill, the $53/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 1041 MONTGOMERY LANE?+
The association fee works out to $53 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1041 MONTGOMERY LANE?+
The most recent tax bill on record (2025) was $646. 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 1041 MONTGOMERY LANE?+
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 $349,000, this home is listed about 12% below the Polk City median of $395,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1041 MONTGOMERY LANE?+
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 CENTURY 21 BEGGINS ENTERPRISES · Julie Fernandez. MLS #TB8560786.
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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