109 NE 4TH AVENUE, MULBERRY, FL, 33860
Active268 days on marketListed Nov 8, 2025MLS #L4957046
About this home
109 NE 4TH AVENUE
NEW PRICE! WATERFRONT HIDDEN GEM! Imagine waking up every day to sparkling water views, peaceful surroundings, and the perfect place to create lifelong memories. This beautiful waterfront property now the perfect time to make your move! Wildlife, Boat Days, Sunset Nights! Repositioned for the new owners! MAIN HOME, GUEST HOUSE AND WATER! Discover a truly unique triple-level retreat designed for privacy, nature, and year-round outdoor living. A long private drive leads to this secluded sanctuary surrounded by sparkling water and abundant wildlife living. The main residence features 3 bedrooms and 2.5 baths, with expansive windows, skylights, and multiple living areas capturing breathtaking water views. The chef’s kitchen offers generous workspace and a sun-filled eat-in nook overlooking the water. A bright sunroom extends the living space, perfect for relaxing or entertaining. The main level includes a formal dining room with built-in shelving (ideal as a study), half bath, and a large interior utility/storage room that can also function as a home office. The lower level hosts the family room/den and the primary suite, both offering direct water access and waterfront views. Upstairs are two spacious bedrooms, a guest bath, and additional attic storage. A separate guest home at the front of the property—currently under renovation—offers excellent flexibility for multi-generational living, guests, or income potential, while maintaining privacy between residences. Ideal for fishing, kayaking, canoeing, and enjoying the outdoors, with room for boats, RVs, and recreational toys. Conveniently located near shopping and dining, with Mulberry Dock & Park adjacent to the property. Own a private waterfront estate—schedule your private showing today.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
3,153
Sqft
6.93 ac
Lot size
1
Garage
1990
Year built
Three Or More
Levels
$133
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.
$3,339 /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
$3,339/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 Mulberry actives
$133 vs $184
Days on market
268 vs 29 typical
Where $133/sqft sits among the 86 Mulberry 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 Mulberry
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Mulberry. See the full Mulberry guide →
MULBERRY 33860 — neighborhood snapshot
Population
25,617
Median age
34.3
Median income
$62,779
Median home value
$221,400
Avg household
2.93
Households w/ children
3,311
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Mulberry market
$318K → $315K
Mulberry median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
45 of 86
Mulberry actives have cut their price
Median sold price, Mulberry, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 43% above the MULBERRY 33860 median. See the full Mulberry market guide →
Paper trail
This home's history
Reality check
What actually sold near 109 NE 4TH AVENUE
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$430,000
504 NW 9TH STREET
4 bd · 3.5 ba · 2,411 sqft · $178/sqft · 33 DOM
Sold · Sep ’25$60,000
205 NW 8TH STREET
4 bd · 2.5 ba · 2,400 sqft · $25/sqft · 42 DOM
Sold · May ’26$319,300
1507 BELMONT WOODS DRIVE
4 bd · 2 ba · 2,310 sqft · $138/sqft · 175 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 109 NE 4TH AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 109 NE 4TH AVENUE — 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
109 NE 4TH AVENUE FAQs
What would the monthly payment be for 109 NE 4TH AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,339/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 109 NE 4TH AVENUE?+
The most recent tax bill on record (2024) was $6,330. 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 Mulberry?+
At $419,000, this home is listed about 34% above the Mulberry median of $312,500. The market section on this page shows how the area is trending.
Which schools are assigned to 109 NE 4TH AVENUE?+
Mulberry Middle School (middle), Mulberry Senior 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
$419,000 runs 43% above the MULBERRY 33860 median — but at 3,153 sqft it's also nearly twice the size of the typical Mulberry 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
268 days on market against a Mulberry median of 29 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $499,000, now $419,000 — a $80K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY · Tina Heim, PA. MLS #L4957046.
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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