MT ZION CHURF, FROSTPROOF, FL, 33843
Active101 days on marketListed Apr 14, 2026MLS #L4961084
About this home
MT ZION CHURF
This 38-acre former citrus grove is located on Mt. Zion Church Road in Frostproof, Florida, offering a secluded setting while still being conveniently close to restaurants, shopping, and schools. The property is zoned for one dwelling unit per five acres, making it suitable for residential development with ample space and privacy. A well and sewer system will need to be installed for homes, though the land already includes two 8- inch wells. Whether you're looking to establish private homesites or continue agricultural operations, this versatile property provides a range of possibilities.
Facts & features
The home at a glance
38 ac
Lot size
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.
$4,547 /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
$4,547/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.
Where it sits
Inside Frostproof
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Frostproof. See the full Frostproof guide →
FROSTPROOF 33843 — neighborhood snapshot
Population
11,072
Median age
53.4
Median income
$51,358
Median home value
$107,900
Avg household
2.45
Households w/ children
742
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Frostproof market
$220K → $245K
Frostproof median sold, yr/yr
96.1%
Sale-to-list ratio (12 mo)
Median sold price, Frostproof, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 1451% above the FROSTPROOF 33843 median. See the full Frostproof market guide →
Paper trail
This home's history
Reality check
What actually sold near MT ZION CHURF
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$250,000
1321 MCCLELLAN ROAD
3 bd · 2 ba · 1,216 sqft · $206/sqft · 9 DOM
Sold · Aug ’25$265,000
1541 MCCLELLAN ROAD
3 bd · 2 ba · 1,440 sqft · $184/sqft · 148 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 MT ZION CHURF — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for MT ZION CHURF — 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
MT ZION CHURF FAQs
What would the monthly payment be for MT ZION CHURF?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,547/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 MT ZION CHURF?+
The most recent tax bill on record (2025) was $17. 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 Frostproof?+
At $760,000, this home is listed about 176% above the Frostproof median of $274,950. The market section on this page shows how the area is trending.
Which schools are assigned to MT ZION CHURF?+
Frostproof Ben Hill Griffin Junior Elementary School (elementary) — 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
$760,000 runs 1451% above the FROSTPROOF 33843 median.
02Park/Greenbelt & Trees/Woods views
The park/greenbelt and trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
101 days on market against a Frostproof median of 48 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of CROSBY & ASSOCIATES, INC. · Chip Fortenberry, III. MLS #L4961084.
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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