David Ramirez
$415,000$420,0002 bd2 ba1,383 sqft$300 /sqft$3,109 /mo all-in ↓

1102 MOTORCOACH DRIVE, POLK CITY, FL, 33868

Active289 days on marketListed Oct 19, 2025MLS #L4956583

Reduced $5KSingle Family ResidenceMOUNT OLIVE SHORES NORTH

About this home

1102 MOTORCOACH DRIVE

Are you ready to embrace the RV lifestyle without sacrificing comfort and convenience? We are thrilled to present an exceptional opportunity to own a fully furnished, move-in ready home in the highly sought-after community of Mt. Olive Shores North – a place where adventure meets tranquility. Imagine pulling into your own meticulously maintained property, built in 2000 and thoughtfully updated for the modern RVer. This isn't just a house; it's a lifestyle upgrade. Picture yourself relaxing in your charming two-bedroom, two-bathroom home, complete with a convenient one-car garage and a spacious 14'x10' shed with AC and a workbench, also perfect for additional storage needs. The RV port measuring approximately 60x14, providing ample space for your RV and golf cart or vehicle. The interior boasts an open-concept kitchen and living room area, creating a welcoming and inviting atmosphere perfect for entertaining guests. Move-in ready, the home has been freshly painted, updated light fixtures and fans throughout, and the installation of elegant Pergo flooring in the master bedroom. Furthermore, all door hardware has been replaced, adding a touch of sophistication to the home. Most importantly, recent upgrades in 2025/2026 include new roof, hot water tank and microwave. We urge you to seize this opportunity. To schedule a private viewing and experience the exceptional features of this property firsthand, please call us at your earliest convenience. This home is expected to generate significant interest, and we advise prompt action to avoid disappointment. We look forward to hearing from you soon!

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,383

Sqft

0.16 ac

Lot size

1

Garage

2000

Year built

One

Levels

$300

Per sqft

55+ community

Inside

FlooringCeramic Tile · Hardwood
AppliancesDisposal · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor
LaundryIn Garage
CoolingCentral Air
HeatingElectric

Outside & construction

RoofShingle
ConstructionWood Frame
FoundationSlab
FacesWest
ExteriorAwning(s) · Irrigation System · Lighting · Sliding Doors · Storage

Community & fees

HOA fee$135/mo
Taxes (2024)$2,243/yr
PetsCats OK, Dogs OK
CommunityBoat Slip · Dock · Fishing · Clubhouse · Deed Restrictions · Dog Park · Fitness Center · Gated Community - Guard · Pool

Utilities & systems

UtilitiesCable Available · Electricity Connected · Sewer Connected · Street Lights · Underground Utilities · Water Connected
WaterNone

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.

$3,109 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,443
FHA mortgage insurance (est.)$184
Property tax — 2024 actual bill$187
HOA fee — from the listing$135
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $14,525Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $14,525
Interest rate6.00%
Loan term

Estimated payment

$3,109/mo

Principal & interest$2,443
FHA mortgage insurance (est.)$184
Property taxes (actual bill)$187
HOA / condo fee$135
Est. insurance$160

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.

List $415K
$398KedgeAI estimate $509,527 · range $419K$559K$581K

vs edgeAI estimate

−18.6%

$/sqft vs Polk City actives

$300 vs $273

Days on market

289 vs 53 typical

Where $300/sqft sits among the 86 Polk City actives

33
19
16 · this home
8
2
8
$146–216$216–287$287–358$358–428$428–499$499+

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

Map of 1102 MOTORCOACH DRIVE

Drive times from this address

Walt Disney World32 min
Universal Orlando42 min
Downtown Tampa47 min
Downtown Orlando48 min
Orlando Int’l Airport (MCO)53 min
Tampa Int’l Airport (TPA)58 min

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

ElementaryPolk City Elementary School★★★★
MiddleLake Alfred Polytech Academy★★★★
HighTenoroc High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Polk City market

Seller’s marketBalanced5.4 months of inventoryBuyer’s market

$280K$300K

Polk City median sold, yr/yr

96.2%

Sale-to-list ratio (12 mo)

47 of 86

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 747% above the POLK CITY 33868 median. See the full Polk City market guide →

Paper trail

This home's history

CurrentPrice reduced to $415,000 $5K
Oct 19, 2025Listed at $420,000 · 289 days on market since
2000Built · MOUNT OLIVE SHORES NORTH

Reality check

What actually sold near 1102 MOTORCOACH DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

1153 MOTORCOACH DRIVESold · Dec ’25

$395,000

1153 MOTORCOACH DRIVE · same community

2 bd · 2 ba · 1,384 sqft · $285/sqft · 14 DOM

1103 MOTORCOACH DRIVESold · Oct ’25

$412,000

1103 MOTORCOACH DRIVE · same community

2 bd · 2 ba · 1,275 sqft · $323/sqft · 0 DOM

1121 MOTORCOACH DRIVESold · May ’26

$295,000

1121 MOTORCOACH DRIVE · same community

1 bd · 1 ba · 1,211 sqft · $244/sqft · 108 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 1102 MOTORCOACH DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 1102 MOTORCOACH 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.

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Goes straight to David’s phone and CRM.

Straight answers

1102 MOTORCOACH DRIVE FAQs

What would the monthly payment be for 1102 MOTORCOACH DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,109/mo — principal and interest, the actual property-tax bill, the $135/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 1102 MOTORCOACH DRIVE?+

The association fee works out to $135 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 1102 MOTORCOACH DRIVE?+

The most recent tax bill on record (2024) was $2,243. 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 1102 MOTORCOACH DRIVE?+

The listing reports pets: Cats OK, Dogs OK. 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 $415,000, this home is listed about 11% above the Polk City median of $374,900. The market section on this page shows how the area is trending.

Which schools are assigned to 1102 MOTORCOACH 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

Three things that matter here

01Positioned at the premium end

$415,000 runs 747% above the POLK CITY 33868 median.

02Time on market is leverage

289 days on market against a Polk City median of 53 — sellers in this position are usually ready to negotiate.

03The price has already moved

Listed at $420,000, now $415,000 — a $5K cut. The full history is in the market section below.

Listing courtesy of MOSN REALTY · Patricia Toogood. MLS #L4956583.

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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