David Ramirez
$179,9002 bd2 ba1,560 sqft$115 /sqft$1,643 /mo all-in ↓

2055 S FLORAL AVENUE UNIT 262, BARTOW, FL, 33830

Active46 days on marketListed Jun 18, 2026MLS #B4902291

Priced 43% below the BARTOW 33830 medianWaterfrontManufactured HomeFLORAL LAKES

About this home

2055 S FLORAL AVENUE UNIT 262

Welcome to your ideal waterfront retreat in Bartow’s premier 55+ Floral Lakes community! Situated directly on Boca Cove, this move-in-ready 2-bedroom, 2-bathroom manufactured home offers the ultimate perk of true land ownership, meaning you own your land with no lot rent and low monthly HOA fees. Built for comfort and efficiency, the home features energy-saving double-paned windows and sliding doors, a newer A/C unit, and a durable metal roof. Inside, the heart of the home is a spacious kitchen equipped with an island cooktop, built-in oven, dishwasher, a handy breakfast bar, and plenty of cabinetry for all your pantry needs. A separate dining area features a built-in lighted china hutch, flowing naturally into a large living room where sliding glass doors open directly into a comfortable, air conditioned enclosed Florida room. Designed with a desirable split-bedroom layout for maximum privacy, the primary suite serves as a peaceful escape, boasting its own sliding glass door to the Florida room, double vanities, double linen closets, and a fiberglass shower. On the opposite side of the home, the second bedroom features an oversized walk-in closet and en suite access to the guest bathroom, which includes a large vanity and a classic tub/shower combo. Conveniently located just off the kitchen, the dedicated laundry area comes complete with a utility tub, washer, and dryer. Outside, the property is highly accessible, featuring a double carport equipped with a wheelchair lift for easy entry, a functional workshop/storage room, and an additional screened storage area tucked away in the rear. The standout feature of this property is the spacious private wooden dock out back, giving you the perfect spot to fish Boca Cove or park your boat right at home. Located in the heart of 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. Residents of Floral Lakes enjoy 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 packed calendar of social clubs, dances, and potlucks. Please note that association approval is required for purchase. Don't miss this exceptional waterfront opportunity—call your Realtor today to schedule your private showing!

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,560

Sqft

0.12 ac

Lot size

1983

Year built

One

Levels

$115

Per sqft

Waterfront55+ communityPets allowed

Inside

FlooringLuxury Vinyl
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Dryer · Microwave · Refrigerator · Washer
InteriorAccessibility Features · Built-in Features · Ceiling Fan(s) · Eating Space In Kitchen · Split Bedroom · Walk-In Closet(s)
LaundryInside
CoolingCentral Air · Wall/Window Unit(s)
HeatingCentral · Electric

Outside & construction

RoofMetal
ConstructionMetal Frame
FoundationCrawlspace
FacesEast
ExteriorStorage

Community & fees

HOA fee$105/mo
Taxes (2025)$2,875/yr
PetsYes
CommunityCommunity Boat Ramp · Dock · Fishing · Lake · Private Boat Ramp · Buyer Approval Required · Clubhouse · Community Mailbox · Golf Carts OK · Pool

Utilities & systems

UtilitiesElectricity Connected · Sewer 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.

$1,643 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,059
FHA mortgage insurance (est.)$80
Property tax — 2025 actual bill$240
HOA fee — from the listing$105
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $6,297Loan30-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% · $6,297
Interest rate6.00%
Loan term

Estimated payment

$1,643/mo

Principal & interest$1,059
FHA mortgage insurance (est.)$80
Property taxes (actual bill)$240
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 $180K
$173KedgeAI estimate $208,846 · range $188K$255K$266K

vs edgeAI estimate

−13.9%

$/sqft vs FLORAL LAKES

$115 vs $137

Days on market

46 vs 38 typical

Where $115/sqft sits among the 11 homes for sale in FLORAL LAKES

5 · this home
3
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 262

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)

6 of 11

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

Jun 18, 2026Listed at $179,900 · 46 days on market since
1983Built · FLORAL LAKES

Reality check

What actually sold near 2055 S FLORAL AVENUE UNIT 262

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

6253 Heliconia Road, Delray Beach FL 33484Sold · Apr ’26

$395,000

6253 Heliconia Road, Delray Beach FL 33484 · same community

3 bd · 2 ba · 1,555 sqft · $254/sqft · 45 DOM

6050 Heliconia Rd # 6050, Delray Beach FL 33484Sold · May ’26

$350,000

6050 Heliconia Rd # 6050, Delray Beach FL 33484 · same community

3 bd · 2 ba · 1,570 sqft · $223/sqft · 163 DOM

6175 Floral Lakes Dr, Delray Beach FL 33484Sold · Oct ’25

$440,000

6175 Floral Lakes Dr, Delray Beach FL 33484 · same community

3 bd · 2 ba · 1,575 sqft · $279/sqft · 26 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 262 — 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 262 — 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.

Goes straight to David’s phone and CRM.

Straight answers

2055 S FLORAL AVENUE UNIT 262 FAQs

What would the monthly payment be for 2055 S FLORAL AVENUE UNIT 262?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,643/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 262?+

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 262?+

The most recent tax bill on record (2025) was $2,875. 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 262?+

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 $179,900, this home is listed about 43% 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 262?+

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.

Listing courtesy of FAITH AND FAMILY REALTY LLC · Erin Clements. MLS #B4902291.

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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