105 OWEN CIRCLE S, AUBURNDALE, FL, 33823
Active190 days on marketListed Jan 29, 2026MLS #L4958199
About this home
105 OWEN CIRCLE S
Cash only investment opprotunity located in the Oak Manor neighborhood just minutes from downtown Auburndale. This home offers the perfect blend of space, flexibility, and convenience. Featuring a desirable split floor plan with 3 bedrooms and 3 bathrooms, the layout is designed for both comfort and functionality. The indoor laundry room adds everyday convenience, while a spacious bonus room with private garage access provides endless possibilities as a guest suite, home office, or potential 4th bedroom. The generously sized enclosed Florida room creates the perfect space for entertaining, relaxing, or extending your living area year-round. Additional highlights include a whole-home generator for added peace of mind and a garage loft offering valuable extra storage space. Situated on a corner lot with no HOA, the property also features dual driveways with plenty of room to park a boat, RV, or additional vehicles. Offering space, freedom, and an unbeatable location, with some updates would make a great investment.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,350
Sqft
0.24 ac
Lot size
1
Garage
1972
Year built
One
Levels
$184
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.
$1,771 /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
$1,771/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 Auburndale actives
$184 vs $188
Days on market
190 vs 58 typical
Where $184/sqft sits among the 230 Auburndale 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 Auburndale
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Auburndale. See the full Auburndale guide →
AUBURNDALE 33823 — neighborhood snapshot
Population
39,146
Median age
40.8
Median income
$64,248
Median home value
$234,300
Avg household
2.89
Households w/ children
4,326
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Auburndale market
$316K → $345K
Auburndale median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
119 of 230
Auburndale actives have cut their price
Median sold price, Auburndale, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 22% below the AUBURNDALE 33823 median. See the full Auburndale market guide →
Paper trail
This home's history
Reality check
What actually sold near 105 OWEN CIRCLE S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$325,000
134 OWEN CIRCLE S · same community
3 bd · 1 ba · 1,452 sqft · $224/sqft · 72 DOM
Sold · Mar ’26$199,000
1734 MOOSE DRIVE · same community
3 bd · 1.5 ba · 1,040 sqft · $191/sqft · 85 DOM
Sold · Oct ’25$297,000
6705 SW 106TH LANE · same community
3 bd · 2 ba · 2,090 sqft · $142/sqft · 12 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 105 OWEN CIRCLE S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 105 OWEN CIRCLE S — 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
105 OWEN CIRCLE S FAQs
What would the monthly payment be for 105 OWEN CIRCLE S?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,771/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 105 OWEN CIRCLE S?+
The most recent tax bill on record (2024) was $416. 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 105 OWEN CIRCLE S?+
The listing reports pets: Cats OK, Dogs OK, 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 Auburndale?+
At $249,000, this home is listed about 29% below the Auburndale median of $349,882. The market section on this page shows how the area is trending.
Which schools are assigned to 105 OWEN CIRCLE S?+
Auburndale Central Elementary School (elementary), Jere L. Stambaugh Middle (middle), Auburndale Senior 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
01Under the AUBURNDALE 33823 market on paper
$249,000 is 22% below the AUBURNDALE 33823 median of $317,500, and at $184/sqft it sits under the Auburndale average of $199.
02Time on market is leverage
190 days on market against a Auburndale median of 58 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $299,000, now $249,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HOMETRUST REAL ESTATE & PTY MGT · Kami Rickert. MLS #L4958199.
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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