12 HWY 630 W, FROSTPROOF, FL, 33843
Active21 days on marketListed Jul 14, 2026MLS #K4903631
About this home
12 HWY 630 W
Discover the perfect blend of comfort and convenience in this delightful three-bedroom, one-bath home nestled within the vibrant city limits of Frostproof. Ideally located just moments away from shopping, schools, and the stunning nearby lakes, this property is perfect for anyone seeking a serene lifestyle without sacrificing accessibility. This gem features a brand-new 2026 shingle roof, ensuring peace of mind and longevity for years to come. Enjoy the convenience of being only a short 1.5-hour drive from the bustling cities of Tampa and Orlando, offering endless entertainment and recreational opportunities. Whether you’re looking to unwind by the lakes or explore the local amenities, this home is your gateway to a relaxed and fulfilling lifestyle in the heart of Frostproof. Don't miss out on this fantastic opportunity—schedule your viewing today!
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
996
Sqft
0.17 ac
Lot size
1964
Year built
One
Levels
$161
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.
$1,341 /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
$1,341/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
−25.2%
$/sqft vs Frostproof actives
$161 vs $197
Days on market
21 vs 51 typical
Where $161/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 → $346K
Frostproof median sold, yr/yr
95.9%
Sale-to-list ratio (12 mo)
28 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 226% above the FROSTPROOF 33843 median. See the full Frostproof market guide →
Paper trail
This home's history
Reality check
What actually sold near 12 HWY 630 W
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$295,000
5900 BEECH STREET · same community
3 bd · 2 ba · 1,428 sqft · $207/sqft · 113 DOM
Sold · Sep ’25$250,000
5943 CYPRESS STREET · same community
3 bd · 2 ba · 1,700 sqft · $147/sqft · 18 DOM
Sold · Jul ’26$139,000
10 MCCARTHY AVENUE
2 bd · 1 ba · 1,040 sqft · $134/sqft · 80 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 12 HWY 630 W — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 12 HWY 630 W — 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
12 HWY 630 W FAQs
What would the monthly payment be for 12 HWY 630 W?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,341/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 12 HWY 630 W?+
The most recent tax bill on record (2025) was $2,028. 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 $159,900, this home is listed about 50% below the Frostproof median of $320,444. The market section on this page shows how the area is trending.
Which schools are assigned to 12 HWY 630 W?+
Frostproof Ben Hill Griffin Junior Elementary School (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of FROSTPROOF REALTY · Melba Taylor. MLS #K4903631.
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 Frostproof homes, in your inbox
Like 12 HWY 630 W but not quite? A daily digest of every new listing in Frostproof — 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 →