929 MONTGOMERY LANE, POLK CITY, FL, 33868
Active231 days on marketListed Dec 19, 2025MLS #L4957935
About this home
929 MONTGOMERY LANE
"SUMMER TIME PRICE REDUCTION" Summer is upon us—a perfect time to take a break from reality, embrace change, create new memories, and begin a new chapter in your dream home! This beautiful 4-bedroom/2.5 -bath home has been reduced to $365,000, making it more affordable in the Auburndale area. Welcome to the beautiful, well-kept community of Auburn Cove, ideally located between Auburndale and Polk City. Located at 929 Montgomery Lane, this stunning home features: 4 Bedrooms 2.5 Bathrooms Low HOA Fee Conveniently located near the TECO Trail Comfortable and affordable living in a desirable location Ideally situated between the Auburndale and Polk City areas, this well-kept neighborhood offers an ideal blend of comfort, convenience, and tranquility. This beautifully maintained four-bedroom, two-and-a-half-bath home features a two-car garage, low HOA, and no CDD, and showcases the popular Highland Homes “SHELBY” floor plan. Just minutes from I-4, daily commutes to Orlando, Tampa, and nearby attractions are a breeze. Step inside to an open floor plan with nine-foot ceilings, creating a spacious and inviting atmosphere. The large, counter-height kitchen island serves as the perfect centerpiece for gatherings, meal prep, or casual dining. The owner’s suite is a private retreat, complete with a grand double-door entry, a tray ceiling, a walk-in closet, and an en-suite bath featuring dual vanities. Two secondary bedrooms share a convenient Jack-and-Jill bath with dual sinks, a private tub, and a toilet. A separate powder room is ideal for guests, and the laundry room offers ample counter space for added functionality. Step outside to the covered, screened-in lanai overlooking a large, fenced-in yard—a perfect spot for relaxing or entertaining. The community also provides excellent nearby amenities, including the paved Auburndale TECO Trail and the Auburn Cove dog park. Don’t miss your chance to own a slice of tranquility with modern comforts. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,041
Sqft
0.23 ac
Lot size
2
Garage
2022
Year built
One
Levels
$179
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.
$2,865 /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
$2,865/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
+3.8%
$/sqft vs Polk City actives
$179 vs $279
Days on market
231 vs 57 typical
Where $179/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 645% 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 929 MONTGOMERY LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$270,000
1104 AUBURN COVE CIRCLE · same community
2 bd · 2 ba · 1,176 sqft · $230/sqft · 65 DOM
Sold · May ’26$265,000
1202 AUBURN COVE CIRCLE · same community
2 bd · 2 ba · 1,076 sqft · $246/sqft · 0 DOM
Sold · Oct ’25$396,900
4706 GRANDVIEW GLEN DRIVE
3 bd · 2 ba · 1,955 sqft · $203/sqft · 0 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 929 MONTGOMERY LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 929 MONTGOMERY 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
929 MONTGOMERY LANE FAQs
What would the monthly payment be for 929 MONTGOMERY LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,865/mo — principal and interest, the actual property-tax bill, the $53/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 929 MONTGOMERY LANE?+
The association fee works out to $53 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 929 MONTGOMERY LANE?+
The most recent tax bill on record (2024) was $4,101. 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 929 MONTGOMERY LANE?+
The listing reports pets: Breed Restrictions, Cats OK, Dogs OK, Number Limit. 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 $365,000, this home is listed about 9% below the Polk City median of $400,000. The market section on this page shows how the area is trending.
Which schools are assigned to 929 MONTGOMERY LANE?+
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
$365,000 runs 645% above the POLK CITY 33868 median — but at 2,041 sqft it's also 25% larger than the typical Polk City listing.
02Time on market is leverage
231 days on market against a Polk City median of 57 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $375,000, now $365,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Terry Thomas. MLS #L4957935.
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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