David Ramirez
$179,000$189,0002 bd2 ba1,440 sqft$124 /sqft$1,469 /mo all-in ↓

2055 S FLORAL AVENUE UNIT 246, BARTOW, FL, 33830

Active47 days on marketListed Jun 18, 2026MLS #B4902290

Priced 43% below the BARTOW 33830 medianReduced $10KWaterfrontFully furnishedManufactured HomeFLORAL LAKES

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

WaterfrontWater viewFurnished55+ communityPets allowed

Inside

FlooringCarpet · Ceramic Tile · Laminate
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Dryer · Microwave · Refrigerator · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Eating Space In Kitchen · Split Bedroom · Stone Counters · Walk-In Closet(s)
LaundryOutside
CoolingCentral Air · Mini-Split Unit(s)
HeatingCentral · Electric
FurnishedFurnished

Outside & construction

RoofMembrane · Metal
ConstructionMetal Frame
FoundationCrawlspace
ViewWater
FacesWest
ParkingCovered · Golf Cart Parking · On Street
ExteriorLighting · Storage

Community & fees

HOA fee$105/mo
Taxes (2025)$856/yr
PetsYes
CommunityCommunity Boat Ramp · Dock · Fishing · Lake · Private Boat Ramp · Buyer Approval Required · Clubhouse · Community Mailbox · Deed Restrictions · Golf Carts OK · Pool

Utilities & systems

UtilitiesElectricity Connected · Sewer Connected · Water Connected
WaterPublic

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%

Principal & interest$1,054
FHA mortgage insurance (est.)$79
Property tax — 2025 actual bill$71
HOA fee — from the listing$105
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $6,265Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $6,265
Interest rate6.00%
Loan term

Estimated payment

$1,469/mo

Principal & interest$1,054
FHA mortgage insurance (est.)$79
Property taxes (actual bill)$71
HOA / condo fee$105
Est. insurance$160

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.

List $179K
$172KedgeAI estimate $202,264 · range $181K$248K$258K

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

5 · this home
4
0
0
0
3
$113–135$135–157$157–179$179–201$201–223$223+

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

Map of 2055 S FLORAL AVENUE UNIT 246

Drive times from this address

Downtown Tampa53 min
Walt Disney World62 min
Tampa Int’l Airport (TPA)66 min
Universal Orlando72 min

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

HighBartow Senior High School★★★★★
MiddleBartow Middle School★★★★
ElementaryJames E. Stephens Academy★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Bartow market

Seller’s marketSeller’s market2.7 months of inventoryBuyer’s 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

CurrentPrice reduced to $179,000 $10K
Jun 18, 2026Listed at $189,000 · 47 days on market since
1982Built · FLORAL LAKES

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.

15430 Floral Club Rd, Delray Beach FL 33484Sold · 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

15351 Lake Wildflower Road, Delray Beach FL 33484Sold · 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

2055 S FLORAL AVE UNIT 164Sold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 2055 S FLORAL AVENUE UNIT 246 — start here.

Andrew Acosta

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.

By checking this box, I agree that CENTURY 21 Edge and my agent may call and text me — including by automated means and prerecorded or artificial voice — at any phone number I provide, about my inquiry and the services provided to me, and that calls with CENTURY 21 Edge are recorded. Consent is not a condition of buying or selling a home. Message and data rates may apply. Message frequency may vary. Reply STOP to opt out or HELP for help. See our Privacy Policy, Terms of Use and SMS Terms.

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.

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.

Never miss a listing

New Bartow homes, in your inbox

Like 2055 S FLORAL AVENUE UNIT 246 but not quite? A daily digest of every new listing in Bartow — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask David to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated August 4, 2026 at 8:40 PM UTC. The listing information on this page last changed on August 4, 2026 at 8:40 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on August 4, 2026 at 8:40 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: August 4, 2026 at 8:40 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.