398 VIRGINIA STREET, FROSTPROOF, FL, 33843
Active39 days on marketListed Jun 25, 2026MLS #K4903585
About this home
398 VIRGINIA STREET
Step back in time while enjoying modern conveniences in this unique 3-bedroom, 2-bath home situated on a desirable corner lot in Frostproof. Originally built in 1901 and relocated to its current site decades later, this charming residence showcases high ceilings, beautiful wood flooring, and numerous updates throughout.The spacious interior features an updated kitchen with new cabinetry, central heat and air with heat pump, updated electrical and plumbing systems, and a convenient indoor laundry room. A 2020 whole-house solar system helps provide energy efficiency, while city water and sewer service add convenience. The property also includes a RainSoft water treatment system and separate irrigation meters.Outdoor amenities abound with a chain-link fenced yard, double carport, and an inviting 5-foot-deep saltwater soaker pool enclosed within a screened lanai—perfect for relaxing and entertaining. Hobbyists, contractors, or those needing extra storage will appreciate the impressive 34.6' x 30' x 12'10" metal barn featuring electric roll-up doors. Additional outbuildings include a 10' x 10' she shed and a 12' x 17' storage building with electricity and a roll-up door.This one-of-a-kind property combines historic character, modern updates, and exceptional outdoor improvements, offering endless possibilities for work, recreation, and comfortable living. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,222
Sqft
0.36 ac
Lot size
2
Garage
1901
Year built
Three Or More
Levels
$225
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.
$2,101 /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
$2,101/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
$225 vs $196
Days on market
39 vs 48 typical
Where $225/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 Frostproof
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Frostproof. See the full Frostproof guide →
FROSTPROOF 33843 — neighborhood snapshot
Population
11,072
Median age
53.4
Median income
$51,358
Median home value
$107,900
Avg household
2.45
Households w/ children
742
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 → $245K
Frostproof median sold, yr/yr
96.1%
Sale-to-list ratio (12 mo)
27 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 460% above the FROSTPROOF 33843 median. See the full Frostproof market guide →
Paper trail
This home's history
Reality check
What actually sold near 398 VIRGINIA STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$385,500
904 S LAKE REEDY BOULEVARD · same community
3 bd · 2 ba · 1,503 sqft · $256/sqft · 0 DOM
Sold · Jan ’26$170,000
501 E 9TH STREET · same community
2 bd · 1 ba · 780 sqft · $218/sqft · 41 DOM
Sold · Dec ’25$70,000
249 CHESNEY BOULEVARD
4 bd · 2 ba · 1,208 sqft · $58/sqft · 148 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 398 VIRGINIA STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 398 VIRGINIA STREET — 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
398 VIRGINIA STREET FAQs
What would the monthly payment be for 398 VIRGINIA STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,101/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 398 VIRGINIA STREET?+
The most recent tax bill on record (2026) was $2,448. 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 398 VIRGINIA STREET?+
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 Frostproof?+
At $274,500, this home is priced right at the Frostproof median.
Which schools are assigned to 398 VIRGINIA STREET?+
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
$274,500 runs 460% above the FROSTPROOF 33843 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $275,000, now $274,500 — a $500 cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KEYSTONE REALTY · Michelle Hutto. MLS #K4903585.
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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