1198 SAND TORCH CIRCLE, DAVENPORT, FL, 33837
Active145 days on marketListed Mar 2, 2026MLS #A4683261
About this home
1198 SAND TORCH CIRCLE
Short Sale. ***NEW Attractive Price Adjustment***Recent Construction Well Maintained Townhouse on Two Levels with 3 bedrooms and 2 full bathrooms on the second floor, and living area plus 1 half bath on the first floor. Open Floor Plan featuring a Beautiful Kitchen with Modern Appliances, Solid Cabinets, Breakfast Bar and Breakfast Nook. Open Patio in the back. LOW HOA, NO CDD. Two assigned parking spots in front of the unit. Price to Sell. SELLER WILL NOT RESPOND TO ANY PAPER WITHOUT A SHOWING (IN PERSON OR BY REMOTE).
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
1,651
Sqft
0.03 ac
Lot size
2022
Year built
Two
Levels
$142
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.
$2,177 /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
$2,177/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
−4.6%
$/sqft vs Davenport actives
$142 vs $189
Days on market
145 vs 42 typical
Where $142/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.
Where it sits
Inside Davenport
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Davenport. See the full Davenport guide →
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
$342K → $363K
Davenport median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
165 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 27% below the DAVENPORT 33837 median. See the full Davenport market guide →
Paper trail
This home's history
Reality check
What actually sold near 1198 SAND TORCH CIRCLE
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$249,990
1230 SAND TORCH CIRCLE · same community
3 bd · 2.5 ba · 1,651 sqft · $151/sqft · 293 DOM
Sold · Mar ’26$255,000
1330 BLAZING STAR LANE · same community
3 bd · 2.5 ba · 1,649 sqft · $155/sqft · 107 DOM
Sold · Sep ’25$290,000
1234 SAND TORCH CIRCLE · same community
4 bd · 3 ba · 1,976 sqft · $147/sqft · 131 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 1198 SAND TORCH CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1198 SAND TORCH CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
1198 SAND TORCH CIRCLE FAQs
What would the monthly payment be for 1198 SAND TORCH CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,177/mo — principal and interest, the actual property-tax bill, the $225/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 1198 SAND TORCH CIRCLE?+
The association fee works out to $225 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1198 SAND TORCH CIRCLE?+
The most recent tax bill on record (2025) was $3,651. 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 1198 SAND TORCH CIRCLE?+
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 Davenport?+
At $235,000, this home is listed about 40% below the Davenport median of $388,995. The market section on this page shows how the area is trending.
Which schools are assigned to 1198 SAND TORCH CIRCLE?+
Loughman Oaks 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
Three things that matter here
01Under the DAVENPORT 33837 market on paper
$235,000 is 27% below the DAVENPORT 33837 median of $320,000, and at $142/sqft it sits under the Davenport average of $196.
02Time on market is leverage
145 days on market against a Davenport median of 42 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $299,900, now $235,000 — a $65K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REALTY ONE GROUP MVP · Massimiliano Marra. MLS #A4683261.
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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