548 MEANDERING WAY, POLK CITY, FL, 33868
Active156 days on marketListed Feb 28, 2026MLS #L4959657
About this home
548 MEANDERING WAY
Lakeside Luxury Meets the Ultimate RV Lifestyle Experience the pinnacle of Florida living in this stunning, 2-bedroom, 2-bathroom home plus a versatile flex room/office in block-construction. Perfectly situated with a serene lake view, this property is a masterclass in quality and custom detail. The Ultimate RV Setup This home features a massive, integrated RV Port measuring approximately 55’x16’, allowing you to keep your rig protected and ready for the next adventure right at your doorstep. Exquisite Interior Details Step inside to find a home that feels like a model. • Custom Finishes: Professional custom painting throughout creates a cohesive, high-end atmosphere. • Chef’s Kitchen: Outfitted with gleaming granite countertops and premium finishes. • Light & Comfort: Elegant plantation shutters frame high-quality insulated windows, offering both energy efficiency and timeless style. • Convenience: Includes a central vacuum system and a water softener for effortless maintenance. Outdoor Oasis & Mechanical Peace of Mind • New Roof: Move in with total confidence. Replaced in 2023 • Lakeside Entertaining: Enjoy the view from your patio, complete with piped propane for your outdoor grill and fire pit—perfect for sunset gatherings. • Lush Landscape: Keep the curb appeal high without the high water bill thanks to a private well for irrigation. This home is packed with "many upgrades" that must be seen in person to be fully appreciated. Whether you're working from the sun-drenched office or prepping for your next road trip, this lakeside gem offers a lifestyle of unparalleled comfort and convenience.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,936
Sqft
0.32 ac
Lot size
1
Garage
2007
Year built
One
Levels
$340
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.
$4,450 /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
$4,450/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
+42.2%
$/sqft vs Polk City actives
$340 vs $273
Days on market
156 vs 53 typical
Where $340/sqft sits among the 85 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)
47 of 85
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 1245% 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 548 MEANDERING WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$630,000
464 MEANDERING WAY · same community
2 bd · 2 ba · 1,601 sqft · $394/sqft · 0 DOM
Sold · Apr ’26$335,000
8859 HINSDALE HEIGHTS DR DRIVE
4 bd · 3 ba · 1,938 sqft · $173/sqft · 189 DOM
Sold · Jul ’26$290,000
8746 CONOY AVENUE
4 bd · 3 ba · 1,978 sqft · $147/sqft · 43 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 548 MEANDERING WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 548 MEANDERING WAY — 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
548 MEANDERING WAY FAQs
What would the monthly payment be for 548 MEANDERING WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,450/mo — principal and interest, the actual property-tax bill, the $167/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 548 MEANDERING WAY?+
The association fee works out to $167 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 548 MEANDERING WAY?+
The most recent tax bill on record (2025) was $3,834. 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 548 MEANDERING WAY?+
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 $659,000, this home is listed about 76% 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 548 MEANDERING WAY?+
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
$659,000 runs 1245% above the POLK CITY 33868 median — but at 1,936 sqft it's also 20% 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
156 days on market against a Polk City median of 53 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $729,000, now $659,000 — a $70K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of MOSN REALTY · Christine Stull. MLS #L4959657.
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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