2055 S FLORAL AVENUE UNIT 296, BARTOW, FL, 33830
Active46 days on marketListed Jun 18, 2026MLS #B4902292
About this home
2055 S FLORAL AVENUE UNIT 296
Embrace the ultimate waterfront lifestyle in this furnished and move-in-ready 2-bedroom, 2-bathroom manufactured home located in Bartow’s highly desirable 55+ Floral Lakes community. Offering the incredible perk of land ownership with no lot rent and low monthly HOA fees, this home is designed for easy, comfortable living. The kitchen is fully equipped with a refrigerator, range, range hood, dishwasher, a closet pantry, and a convenient breakfast bar for casual dining. Just adjacent, a cozy dinette area features a charming built-in china hutch. The layout flows effortlessly into the living room, where double French doors open into a large, enclosed rear patio with screen and vinyl windows. This seamless transition creates a wonderful indoor-outdoor living space where you can relax and enjoy beautiful lake views in year-round comfort. Both bedrooms are finished with durable laminate flooring and feature spacious walk-in closets. The primary suite serves as a peaceful retreat, complete with an en-suite bathroom boasting a double vanity, a handy linen closet, and a shower enclosure with a sliding glass door. The second bedroom has quick access to the guest bathroom, which features a single vanity and a classic tub/shower combo. Adding to the home's utility is an indoor laundry room equipped with an included washer and dryer, alongside a built-in desk and extra cabinetry for storage. Outside, the property features a single carport and a spacious storage room for your tools and gear. The true highlight of this property lies just out back, where a gentle grass slope leads right to your private wooden boat dock, allowing you to fish or launch a boat directly from your own backyard. 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. As a resident of Floral Lakes, you will enjoy a vibrant community spirit and access to a stocked pond, community boat ramp, and a clubhouse packed with premium amenities—including a large heated swimming pool, putting green, shuffleboard, and a busy calendar of social clubs, dances, and potlucks. Please note that association approval is required for purchase. Don't miss this rare waterfront opportunity—call your Realtor today to schedule your private showing!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,274
Sqft
0.11 ac
Lot size
1984
Year built
One
Levels
$130
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.
$1,523 /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
$1,523/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
−15.3%
$/sqft vs FLORAL LAKES
$130 vs $137
Days on market
46 vs 42 typical
Where $130/sqft sits among the 11 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
$325K → $310K
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 47% 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 296
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$195,000
2055 S FLORAL AVENUE UNIT 69 · same community
2 bd · 2 ba · 1,296 sqft · $150/sqft · 110 DOM
Sold · Oct ’25$150,000
2055 S FLORAL AVENUE UNIT 328 · same community
2 bd · 2 ba · 1,222 sqft · $123/sqft · 51 DOM
Sold · May ’26$172,000
2055 S FLORAL AVENUE UNIT 7 · same community
2 bd · 2 ba · 1,344 sqft · $128/sqft · 6 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 296 — 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 296 — 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 296 FAQs
What would the monthly payment be for 2055 S FLORAL AVENUE UNIT 296?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,523/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 296?+
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 296?+
The most recent tax bill on record (2025) was $2,562. 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 296?+
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 $165,000, this home is listed about 49% below the Bartow median of $325,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2055 S FLORAL AVENUE UNIT 296?+
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.
Keep looking
Similar homes nearby
Listing courtesy of FAITH AND FAMILY REALTY LLC · Erin Clements. MLS #B4902292.
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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