
2055 S FLORAL AVENUE UNIT 246, BARTOW, FL, 33830
Active47 days on marketListed Jun 18, 2026MLS #B4902290
About this home
2055 S FLORAL AVENUE UNIT 246
Tucked away at the end of a peaceful cul-de-sac, this spacious 2-bedroom, 2-bathroom manufactured home offers a stunning waterfront retreat in Bartow’s premier 55+ Floral Lakes community. Boasting approximately 1,704 square feet of comfortable living space on a generous lot, this residence stands out with the incredible perk of true land ownership—meaning you own your land with no lot rent and low monthly HOA fees. Step inside through the main entrance, which serves as a highly practical mudroom or "drop zone" complete with a laundry tub, upper cabinetry, and a closet. The home features a desirable split-bedroom floor plan for optimal privacy, anchored by a bright living room and an adjacent Florida room. Flooded with natural light from newer double-pane windows, the Florida room serves as a year-round oasis thanks to its own dedicated mini-split air conditioning unit. From here, you can step directly onto a large wooden deck or stroll down to your private 8x16 wood dock, creating the perfect backdrop for fishing or enjoying the water views. The heart of the home is the kitchen featuring elegant granite countertops, a functional breakfast bar, an abundance of cabinetry, and premium appliances including an island cooktop with smooth burners, double wall ovens, a dishwasher, and a stainless-steel French-door refrigerator. Flowing seamlessly from the kitchen, the dining area includes stylish, built-in lighted shelving perfect for displaying collectibles. The primary suite is a true sanctuary, boasting mirrored walk-in closet doors, a private sliding glass door to the Florida room, and an en-suite bathroom equipped with dual vanities, a relaxing garden tub, and a large tiled shower. On the opposite side of the home, the generously sized second bedroom features an oversized closet with mirrored doors and direct access to the second bathroom, which pulls double duty as a guest bath with a single vanity and a tub/shower combo. Six-panel interior doors run throughout the home for a polished, cohesive finish. Outside, a long carport easily accommodates a vehicle plus the golf cart (valued at $4,000- and is included with a full price offer). Off the carport is a spacious storage room outfitted with shelving and the included washer and dryer. Perfectly situated in Central Florida between Tampa and Orlando, this golf-cart-friendly neighborhood places you just minutes from the Bartow Civic Center, Bartow Public Library, and Mary Holland Park. Living in Floral Lakes means enjoying a vibrant, active lifestyle with access to a clubhouse, a large heated swimming pool, a putting green, shuffleboard courts, a stocked community pond, and a boat ramp, alongside a busy calendar of social clubs, dances, and potlucks. Please note that association approval is required for purchase. Don't miss out on this exceptional waterfront property—call your Realtor today to schedule your private showing!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,440
Sqft
0.13 ac
Lot size
1982
Year built
One
Levels
$124
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.
$1,469 /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
$1,469/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
−11.5%
$/sqft vs FLORAL LAKES
$124 vs $143
Days on market
47 vs 38 typical
Where $124/sqft sits among the 12 homes for sale in FLORAL LAKES
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 Bartow
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bartow. See the full Bartow guide →
BARTOW 33830 — neighborhood snapshot
Population
32,738
Median age
36.2
Median income
$62,636
Median home value
$207,900
Avg household
2.91
Households w/ children
3,768
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Bartow market
$303K → $327K
Bartow median sold, yr/yr
98.0%
Sale-to-list ratio (12 mo)
5 of 12
FLORAL LAKES have cut their price
Median sold price, Bartow, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 43% below the BARTOW 33830 median. See the full Bartow market guide →
Paper trail
This home's history
Reality check
What actually sold near 2055 S FLORAL AVENUE UNIT 246
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$365,000
15430 Floral Club Rd, Delray Beach FL 33484 · same community
3 bd · 2 ba · 1,437 sqft · $254/sqft · 22 DOM
Sold · Oct ’25$385,000
15351 Lake Wildflower Road, Delray Beach FL 33484 · same community
2 bd · 2 ba · 1,419 sqft · $271/sqft · 60 DOM
Sold · Sep ’25$199,900
2055 S FLORAL AVE UNIT 164 · same community
2 bd · 2 ba · 1,464 sqft · $137/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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2055 S FLORAL AVENUE UNIT 246 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2055 S FLORAL AVENUE UNIT 246 — 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
2055 S FLORAL AVENUE UNIT 246 FAQs
What would the monthly payment be for 2055 S FLORAL AVENUE UNIT 246?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,469/mo — principal and interest, the actual property-tax bill, the $105/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 2055 S FLORAL AVENUE UNIT 246?+
The association fee works out to $105 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2055 S FLORAL AVENUE UNIT 246?+
The most recent tax bill on record (2025) was $856. 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 2055 S FLORAL AVENUE UNIT 246?+
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 Bartow?+
At $179,000, this home is listed about 44% below the Bartow median of $318,250. The market section on this page shows how the area is trending.
Which schools are assigned to 2055 S FLORAL AVENUE UNIT 246?+
Bartow Senior High School (high), Bartow Middle School (middle), James E. Stephens Academy (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the BARTOW 33830 market on paper
$179,000 is 43% below the BARTOW 33830 median of $314,965, and at $124/sqft it sits under the Bartow average of $180.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $189,000, now $179,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FAITH AND FAMILY REALTY LLC · Erin Clements. MLS #B4902290.
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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