45 KELLY RIDGE ROAD, FROSTPROOF, FL, 33843
Active196 days on marketListed Jan 21, 2026MLS #K4903214
About this home
45 KELLY RIDGE ROAD
SELLER IS HIGHLY MOTIVATED and ready to entertain offers. Embrace the pinnacle of modern country living with this brand-new 2025 manufactured home, perfectly situated on 3.58 private acres just outside the city limits of Frostproof. Ideally located in the center of the state, this expansive four-bedroom, three-bathroom residence offers the ultimate retreat, combining contemporary design with the peace and freedom of the Florida countryside. The heart of the home features soaring 9-foot ceilings that enhance the open-concept feel of the chef-inspired kitchen. This culinary space comes equipped with 2025 stainless steel appliances, an abundance of cabinet storage, and a dedicated coffee bar for your morning ritual. Guests can gather around the large breakfast bar or enjoy formal meals in the adjacent dining room. Designed for versatility, the floor plan boasts both a formal living room and a cozy family room, ensuring plenty of space for entertaining. Retreat to the private primary suite, a true sanctuary featuring a massive walk-in closet and a spa-like ensuite with dual sinks, a walk-in shower, and a deep soaking tub. The split-bedroom layout ensures maximum privacy, while the convenient indoor laundry room adds modern functionality to your daily routine. Outside, the possibilities are endless. With over three and a half acres of land, you have the freedom to create your own homestead, workshop, or garden oasis. While you’ll feel worlds away from the hustle and bustle, your central location ensures you are perfectly positioned for adventure, located approximately 90 minutes from the vibrant attractions and international airports of both Tampa and Orlando. Experience the best of Florida’s rural charm in a never-lived-in masterpiece— bring all your offers and make this dream home a reality. Schedule your tour of this 2025 Frostproof gem today!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,254
Sqft
3.58 ac
Lot size
2025
Year built
One
Levels
$175
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 — not generic estimates.
$2,700 /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
$2,700/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.
$/sqft vs Frostproof actives
$175 vs $197
Days on market
196 vs 47 typical
Where $175/sqft sits among the 57 Frostproof 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 Oakridge Estates
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Frostproof. See the full Frostproof guide →
Oakridge Estates — neighborhood snapshot
Population
2,024
Median age
38
Median income
$41,547
Median home value
$110,200
Avg household
3
Households w/ children
127
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Frostproof market
$220K → $346K
Frostproof median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
26 of 57
Frostproof actives have cut their price
Median sold price, Frostproof, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 703% above the FROSTPROOF 33843 median. See the full Frostproof market guide →
Paper trail
This home's history
Reality check
What actually sold near 45 KELLY RIDGE ROAD
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$348,000
6396 SW 52ND TERRACE · same community
3 bd · 2 ba · 1,600 sqft · $218/sqft · 5 DOM
Sold · Oct ’25$210,000
5768 SW 52ND TERRACE · same community
2 bd · 2 ba · 1,560 sqft · $135/sqft · 43 DOM
Sold · Sep ’25$577,000
2200 MCCLELLAN ROAD
4 bd · 3 ba · 2,006 sqft · $288/sqft · 157 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 45 KELLY RIDGE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 45 KELLY RIDGE ROAD — 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
45 KELLY RIDGE ROAD FAQs
What would the monthly payment be for 45 KELLY RIDGE ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,700/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 45 KELLY RIDGE ROAD?+
The most recent tax bill on record (2025) was $574. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Frostproof?+
At $393,700, this home is listed about 20% above the Frostproof median of $327,000. The market section on this page shows how the area is trending.
Which schools are assigned to 45 KELLY RIDGE ROAD?+
Frostproof Ben Hill Griffin Junior Elementary School (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$393,700 runs 703% above the FROSTPROOF 33843 median — but at 2,254 sqft it's also 46% larger than the typical Frostproof listing.
02Time on market is leverage
196 days on market against a Frostproof median of 47 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $425,000, now $393,700 — a $31K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FROSTPROOF REALTY · Melba Taylor. MLS #K4903214.
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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