1101 MONTGOMERY LANE, POLK CITY, FL, 33868
Active119 days on marketListed Apr 10, 2026MLS #L4960901
About this home
1101 MONTGOMERY LANE
Welcome to your nearly-new dream home in the heart of Polk City! Built in 2023, this beautifully designed 4-bedroom, 3-bathroom residence with a dedicated office offers the perfect blend of modern comfort, functionality, and location. Spanning 2,283 square feet, the open-concept layout features spacious living areas filled with natural light, ideal for both everyday living and entertaining. The chef-inspired kitchen flows seamlessly into the main living and dining spaces, creating a warm and inviting atmosphere for family and guests alike. The private office provides the perfect work-from-home setup or flex space to suit your needs. Retreat to the generously sized primary suite, complete with a luxurious en-suite bathroom and ample closet space. Three additional bedrooms and two full bathrooms ensure plenty of room for family and visitors. Step outside to enjoy a fully fenced backyard—perfect for pets, play, or relaxing evenings outdoors. The 3-car garage offers abundant storage and convenience. Ideally located just minutes from Interstate 4 and the Polk Parkway, commuting to Tampa or Orlando is a breeze. Outdoor enthusiasts will love being right next to the TECO Auburndale Trail, offering miles of scenic biking and walking paths. This move-in-ready home combines modern construction, thoughtful design, and an unbeatable location—don’t miss your opportunity to make it yours!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,283
Sqft
0.2 ac
Lot size
3
Garage
2023
Year built
One
Levels
$175
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.
$3,129 /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
$3,129/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
−16.1%
$/sqft vs Polk City actives
$175 vs $279
Days on market
119 vs 57 typical
Where $175/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 716% 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 1101 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 · Jan ’26$310,000
721 DAPHNE DRIVE · same community
4 bd · 2 ba · 1,749 sqft · $177/sqft · 124 DOM
Sold · Mar ’26$325,000
8662 RINDGE ROAD
3 bd · 2 ba · 2,144 sqft · $152/sqft · 11 DOM
Sold · Apr ’26$345,990
5894 KALAMATA DRIVE
4 bd · 2.5 ba · 2,121 sqft · $163/sqft · 105 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 1101 MONTGOMERY LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1101 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
1101 MONTGOMERY LANE FAQs
What would the monthly payment be for 1101 MONTGOMERY LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,129/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 1101 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 1101 MONTGOMERY LANE?+
The most recent tax bill on record (2025) was $4,610. 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 1101 MONTGOMERY LANE?+
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 $400,000, this home is priced right at the Polk City median.
Which schools are assigned to 1101 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
$400,000 runs 716% above the POLK CITY 33868 median — but at 2,283 sqft it's also 40% larger than the typical Polk City listing.
02Time on market is leverage
119 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 $410,000, now $400,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY SMART 1 · Logan Bennett. MLS #L4960901.
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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