513 CENTRAL RIDGE LANE, FROSTPROOF, FL, 33843
Active13 days on marketListed Jul 21, 2026MLS #K4903647
About this home
513 CENTRAL RIDGE LANE
Virtually Staged. Welcome to this beautifully upgraded 3-bedroom, 2-bath pool home featuring a versatile study/den that can easily serve as a 4th bedroom. Offering over 1,800 square feet of living space, this open-concept floor plan is designed for comfortable everyday living and effortless entertaining. Step outside to your own private backyard retreat situated on a spacious 0.23-acre lot. Enjoy the stunning saltwater pool, installed in 2025, complete with a Pentair pool pump and color-changing lighting for the perfect evening ambiance. The expansive screened lanai features a covered seating area with insulated roofing to help keep you cool while relaxing outdoors. A wood privacy fence, also installed in 2025, creates a secluded outdoor oasis that truly extends your living space. Inside, you'll appreciate the many upgrades throughout the home, including LED lighting, ceiling fans in every room (installed in 2025), custom window coverings, elegant curved accent walls in the primary bedroom and study, and Govee smart exterior lighting that allows you to customize your home's appearance with the touch of an app. Additional 2025 improvements include new gutters and enhanced outdoor features, along with a full irrigation system to keep the landscaping looking its best. The split-bedroom floor plan offers privacy for the spacious primary suite, featuring a vast walk-in closet and an en-suite bath with dual vanities, a step-in shower, and a built-in shower bench. The inviting breakfast nook overlooks the pool and lanai, making it the perfect place to enjoy your morning coffee. An indoor laundry room adds convenience, and the kitchen comes complete with a dishwasher, disposal, microwave, range, range hood, and refrigerator. This move-in-ready home is loaded with thoughtful upgrades that have already been completed for you. Don't miss the opportunity to own this exceptional property—schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,816
Sqft
0.23 ac
Lot size
2
Garage
2021
Year built
One
Levels
$187
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.
$2,698 /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
$2,698/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
$187 vs $197
Days on market
13 vs 51 typical
Where $187/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)
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 594% above the FROSTPROOF 33843 median. See the full Frostproof market guide →
Paper trail
This home's history
Reality check
What actually sold near 513 CENTRAL RIDGE LANE
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$289,900
131 W 6TH STREET
3 bd · 2 ba · 1,747 sqft · $166/sqft · 183 DOM
Sold · Oct ’25$309,000
35 GRANER DRIVE
4 bd · 2 ba · 1,738 sqft · $178/sqft · 84 DOM
Sold · Dec ’25$297,000
254 S LAKE AVENUE
4 bd · 2 ba · 1,965 sqft · $151/sqft · 102 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 513 CENTRAL RIDGE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 513 CENTRAL RIDGE LANE — 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
513 CENTRAL RIDGE LANE FAQs
What would the monthly payment be for 513 CENTRAL RIDGE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,698/mo — principal and interest, the actual property-tax bill, the $33/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 513 CENTRAL RIDGE LANE?+
The association fee works out to $33 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 513 CENTRAL RIDGE LANE?+
The most recent tax bill on record (2025) was $4,240. 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 513 CENTRAL RIDGE LANE?+
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 $339,900, this home is listed about 6% above the Frostproof median of $320,444. The market section on this page shows how the area is trending.
Which schools are assigned to 513 CENTRAL RIDGE LANE?+
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
$339,900 runs 594% above the FROSTPROOF 33843 median — but at 1,816 sqft it's also 20% larger than the typical Frostproof listing.
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 $349,900, now $339,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of GOLD HEART REALTY LLC · Lori Roberts. MLS #K4903647.
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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