102 BAYBERRY DRIVE, POLK CITY, FL, 33868
Active351 days on marketListed Aug 21, 2025MLS #L4955251
About this home
102 BAYBERRY DRIVE
MOTIVATED SELLER. Welcome to this stunning 4-bedroom, 2.5-bath lake front home located in the highly sought-after Sandy Pointe community of Polk City, FL. Perfectly situated on a premier half-acre lot at the end of a cul-de-sac, this property offers privacy, tranquility, and breathtaking views of Big Lake Agnes. Known for its excellent fishing and boating, the lakefront setting provides a lifestyle of peace and recreation. Imagine sitting on your lanai watching sunrises in the morning and the moonrise at night reflected over the water. Step inside to discover completely repainted interior with soaring 11-foot ceilings in the formal living room, dining room, master suite, kitchen, and family room, creating an open and airy atmosphere. The home also features 9.2-foot ceilings in the additional three bedrooms, laundry room, and bathrooms for a spacious flow throughout. The formal dining room and formal living room both showcase cherry laminate flooring and double sliders leading out to the lanai with expansive lake views. The master suite includes newly installed flooring, double sliding glass doors overlooking the lake, his-and-her walk-in closets, and a luxurious bath with separate vanities. The kitchen boasts 40-inch cabinets, granite countertops (updated in 2020), and a breakfast nook with a large picture window and custom wood blinds. In the family room, enjoy a gas fireplace, custom window treatments, and sliders that open to the lanai and lake view. The oversized 24x24 screened lanai is perfect for entertaining, featuring two ceiling fans and a 220-volt outlet ready for a spa. Outside, enjoy a beautifully landscaped yard with lake-fed irrigation, four hose bibs, and plenty of space to relax. A highlight of this property is the 95-foot dock with a boat house, boat cradle, and sundeck, making lakefront living truly enjoyable. Additional features include a 3-car garage, a new air conditioning system (2016), and a new roof (2017), providing peace of mind. The home is part of a welcoming community with a private boat ramp and low HOA dues. With its serene setting, elegant features, and direct lake access, this property is a rare find. Don’t miss the opportunity to experience lakefront living at its finest on Big Lake Agnes—schedule your private showing today
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,476
Sqft
0.5 ac
Lot size
3
Garage
2002
Year built
One
Levels
$269
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.
$4,302 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,302/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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
+48.2%
$/sqft vs Polk City actives
$269 vs $279
Days on market
351 vs 57 typical
Where $269/sqft sits among the 83 Polk City 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 Polk City
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Polk City. See the full Polk City guide →
POLK CITY 33868 — neighborhood snapshot
Population
13,676
Median age
40.7
Median income
$74,048
Median home value
$235,600
Avg household
2.89
Households w/ children
1,446
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Polk City market
$280K → $300K
Polk City median sold, yr/yr
96.2%
Sale-to-list ratio (12 mo)
46 of 83
Polk City actives have cut their price
Median sold price, Polk City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1259% above the POLK CITY 33868 median. See the full Polk City market guide →
Paper trail
This home's history
Reality check
What actually sold near 102 BAYBERRY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$430,000
255 BAYBERRY DRIVE · same community
4 bd · 2 ba · 2,523 sqft · $170/sqft · 30 DOM
Sold · Sep ’25$475,000
1062 RALLY DRIVE
4 bd · 2.5 ba · 2,498 sqft · $190/sqft · 55 DOM
Sold · Sep ’25$425,000
1045 CARAVAN LOOP
3 bd · 3 ba · 2,408 sqft · $176/sqft · 271 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 102 BAYBERRY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 102 BAYBERRY DRIVE — 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
102 BAYBERRY DRIVE FAQs
What would the monthly payment be for 102 BAYBERRY DRIVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,302/mo — principal and interest, the actual property-tax bill, the $15/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 102 BAYBERRY DRIVE?+
The association fee works out to $15 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 102 BAYBERRY DRIVE?+
The most recent tax bill on record (2024) was $3,401. 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 102 BAYBERRY DRIVE?+
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 Polk City?+
At $665,999, this home is listed about 66% above the Polk City median of $400,000. The market section on this page shows how the area is trending.
Which schools are assigned to 102 BAYBERRY DRIVE?+
Polk City Elementary School (elementary), Lake Alfred Polytech Academy (middle), Tenoroc High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$665,999 runs 1259% above the POLK CITY 33868 median — but at 2,476 sqft it's also 52% larger than the typical Polk City listing.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
351 days on market against a Polk City median of 57 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $749,900, now $665,999 — a $84K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of 54 REALTY LLC · Jordan Prais. MLS #L4955251.
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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