492 MEANDERING WAY, POLK CITY, FL, 33868
Active41 days on marketListed Jun 29, 2026MLS #L4962918
About this home
492 MEANDERING WAY
Welcome to carefree living in one of Central Florida's premier RV residential community. An active adult (55+) communities! This beautifully maintained 2-bedroom, 2-bathroom home offers 1710 plus sq. ft. of thoughtfully designed living space with tranquil, panoramic lake views. Property Highlights: The Living Space: An open floor plan enhanced by soaring tray ceilings, elegant plantation shutters, and ceramic tile throughout the main living areas, with plush carpeting in the primary bedroom. Primary Suite: Features two oversized closets with additional overhead cabinetry for exceptional storage. His and Hers closets that extend the full wall length. Guest Suite & Bath: The guest bathroom has been tastefully updated with a relaxing soaking tub while preserving the convenience of a walk-in shower. The guest room features a stunning view of the water! Outdoor Paradise: Enjoy your morning coffee from the enclosed lakefront Florida Room, or entertain from a separate screened lanai overlooking the water—perfect for outdoor cooking! Toy Hauler’s Dream: RV owners will love the massive, covered RV port and separate garage, providing rare and exceptional space for vehicles, hobbies, and storage. This owner keeps his fishing boat in the car garage and the car in the tandom car gargare fully enclosed with retractable screens. Incredible Upgrades & Peace of Mind: This property has been meticulously cared for with zero deferred maintenance. Enjoy a massive list of recent improvements: New Roof (2023) New front entry door & front entry pavers Water softener & Reverse Osmosis system In-duct air purifier & replacement hot water circulation pump New kitchen range & replacement lanai window Gutter guards & overhead carport fans Window tinting & solar sun screens Comprehensive exterior security camera system Resort-Style 55+ Amenities: Your HOA covers your lawn maintenance so you can spend your days enjoying a vacation lifestyle! Community amenities include: 2 Clubhouses 2 Swimming pools A full calendar of daily social activities Whether you're looking for a full-time residence or the ultimate Florida winter retreat, this lakefront gem is completely move-in ready. Schedule your tour today and start living the lifestyle RVers only dream of. It's waiting for you to enjoy keeping your RV right outside your door in it's own dedicated RV port, fully enclosed to protect it for the sun and weather, when you aren't out there traveling and living the RVer's dream. #FloridaRealEstate #LakefrontLiving #ActiveAdultCommunity #MoveInReady #RVLife #CentralFloridaHomes
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,710
Sqft
0.28 ac
Lot size
2
Garage
2013
Year built
One
Levels
$380
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.
$4,566 /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
$4,566/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
+24.6%
$/sqft vs Polk City actives
$380 vs $277
Days on market
41 vs 54 typical
Where $380/sqft sits among the 81 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 → $290K
Polk City median sold, yr/yr
96.2%
Sale-to-list ratio (12 mo)
44 of 81
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 1227% 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 492 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$499,000
161 LAYNEWADE ROAD · same community
3 bd · 2 ba · 1,586 sqft · $315/sqft · 262 DOM
Sold · Sep ’25$505,000
652 MEANDERING WAY · same community
1 bd · 2 ba · 1,240 sqft · $407/sqft · 25 DOM
Sold · Jul ’26$311,000
535 NARROW POND ROAD · same community
1 bd · 1 ba · 796 sqft · $391/sqft · 550 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 492 MEANDERING WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 492 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
492 MEANDERING WAY FAQs
What would the monthly payment be for 492 MEANDERING WAY?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,566/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 492 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 492 MEANDERING WAY?+
The most recent tax bill on record (2025) was $5,857. 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 492 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 $650,000, this home is listed about 60% above the Polk City median of $405,000. The market section on this page shows how the area is trending.
Which schools are assigned to 492 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.
Keep looking
Similar homes nearby
Listing courtesy of WORTH CLARK REALTY · Douglass Dillard. MLS #L4962918.
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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