David Ramirez
$1,995,000$2,300,0003 bd4 ba3,501 sqft$570 /sqft$12,607 /mo all-in ↓

414 MEANDERING WAY, POLK CITY, FL, 33868

Active281 days on marketListed Oct 29, 2025MLS #O6355889

Reduced $305KWaterfrontSingle Family ResidenceMOUNT OLIVE SHORES NORTH SECOND ADDITION

About this home

414 MEANDERING WAY

HUGE PRICE IMPROVEMENT -DON'T MISS OUT! Situated in coveted Mount Olive Shores North, a premier 55+ guard gated community tailored for RV enthusiasts, this immaculately presented LAKEFRONT residence sits on a PRIME DOUBLE LOT with spectacular WATER VIEWS & the added benefit of no rear neighbors. Set out over 2 floors, serviced by both a staircase and RESIDENTIAL ELEVATOR, this stunning CUSTOM BUILT, high spec, 3 bedroom & 3/2 bathroom home enhanced by extensive DESIGNER finishes consists of 3,501sqft of living space & 2,533sqft of a/c garage space with insulated roll up garage doors featuring a FULLY ENCLOSED RV PORT as well as an attached 3 CAR GARAGE (with ceiling height for car lifts), GOLF CART BAY, generously sized WORKSHOP, restroom, extensive accessory storage cabinetry and air compressor connections (in port, garage & shop). Built by Thurn Construction, on arrival at the property the external curb appeal sets the scene of grandeur whilst the interior exudes luxury in a modern setting. With an inviting high ceiling entryway, the foyer allows for an abundance of natural light to flow throughout the residence. At the heart of the home, the expansive OPEN PLAN CONCEPT kitchen and family room with coffered ceiling flows into an informal sunlit built-in breakfast/dining nook with separate formal dining area. The GOURMET KITCHEN is a chef’s dream with high-end appliances, ample custom soft close cabinetry, sprawling central island, granite countertops, induction cook top, stunning tile backsplash and oversize walk-in pantry. The HOME OFFICE has beautiful front yard views. The conveniently located laundry room also consists of a flexible dedicated workstation for those with a penchant for sewing or arts & crafts. Completing the 1st floor is a walk-in storage area and separate guest powder half bath for convenience serving the living room areas. Featuring TWO PRIMARY BEDROOMS, one on each floor, & each with sweeping water views, sitting &/or office space, well-appointed spacious walk-in closets and full ensuite bathrooms. The 3rd bedroom is on the 2nd floor and has a full ensuite bathroom with soaking tub and sizeable walk-in closet. FURTHER HIGHLIGHTS: energy-efficient HURRICANE IMPACT windows & doors, 400-amp service with lightening surge protection, Kohler GENERATOR, a monitored fire & security system with cameras & whole house CAT6 wired for cable, internet & wi-fi together with a storm-safe room, gorgeous wood-style tile flooring as well as solid wood flooring, elegant light fixtures, classy wall finishes and plantation shutter window dressings. The fully enclosed supersized RV PORT measures 56’L x17.5’W x 18’H and has a center drain running the length of the port together with full internal RV HOOK UP as well as an external driveway RV hook up. The garage workshop can also be accessed via an exterior door and boasts separate floored attic storage with pulldown & an electric lift for heavy objects. Seamlessly blending the outdoor with the indoor via the retractable patio doors, enjoy Florida lifestyle living at its finest, sitting out under the shade of the expansive covered veranda with perfect views of the lushly manicured yard with mature landscaping adorned by garden art pieces. Enjoy your morning coffee watching the sunrise or a glass of wine toasting to the sunset. In keeping with the high efficiency of the home, the landscaping has a deep well for irrigation with basic lawn care included in the HOA dues for effortless living.

Facts & features

The home at a glance

3

Bedrooms

4

Bathrooms

3,501

Sqft

0.41 ac

Lot size

3

Garage

2016

Year built

Two

Levels

$570

Per sqft

WaterfrontGarden & Water view55+ community

Inside

FlooringCarpet · Tile · Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Freezer · Microwave · Refrigerator · Tankless Water Heater · Washer
InteriorBuilt-in Features · Ceiling Fan(s) · Coffered Ceiling(s) · Crown Molding · Eating Space In Kitchen · Elevator · High Ceilings · Kitchen/Family Room Combo · Living Room/Dining Room Combo · Open Floorplan · Other · Primary Bedroom Main Floor · PrimaryBedroom Upstairs · Smart Home · Stone Counters · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air · Mini-Split Unit(s) · Zoned
HeatingCentral

Outside & construction

RoofShingle
ConstructionStucco
FoundationBlock
ViewGarden · Water
FacesNortheast
ParkingCircular Driveway · Driveway · Garage Door Opener · Garage Faces Side · Golf Cart Garage · Guest · Oversized · RV Carport · RV Garage · RV Parking · Workshop in Garage
ExteriorGarden · Irrigation System · Lighting · Other · Private Mailbox · Rain Gutters · Sliding Doors · Storage

Community & fees

HOA fee$237/mo
Taxes (2025)$8,363/yr
PetsBreed Restrictions, Cats OK, Dogs OK
CommunityCommunity Boat Ramp · Dock · Fishing · Lake · Private Boat Ramp · Public Boat Ramp · Water Access · Waterfront · Clubhouse · Deed Restrictions · Dog Park · Fitness Center · Gated Community - Guard · Golf Carts OK · Handicap Modified · Pool · Tennis Court(s)

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Propane · Sewer Connected · Water Connected
WaterPublic · Well

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.

$12,607 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$10,765
PMI (est., until 20% equity)$748
Property tax — 2025 actual bill$697
HOA fee — from the listing$237
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $199,500Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $199,500
Interest rate6.00%
Loan term

Estimated payment

$12,607/mo

Principal & interest$10,765
PMI (est., until 20% equity)$748
Property taxes (actual bill)$697
HOA / condo fee$237
Est. insurance$160

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.

$/sqft vs Polk City actives

$570 vs $273

Days on market

281 vs 54 typical

Where $570/sqft sits among the 85 Polk City actives

33
18
17
8
2
7 · this home
$146–216$216–287$287–358$358–428$428–499$499+

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

Map of 414 MEANDERING WAY

Drive times from this address

Walt Disney World34 min
Universal Orlando44 min
Downtown Tampa49 min
Downtown Orlando50 min
Orlando Int’l Airport (MCO)54 min
Tampa Int’l Airport (TPA)60 min

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

ElementaryPolk City Elementary School★★★★
MiddleLake Alfred Polytech Academy★★★★
HighTenoroc High School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Polk City market

Seller’s marketBalanced5.3 months of inventoryBuyer’s market

$280K$300K

Polk City median sold, yr/yr

96.2%

Sale-to-list ratio (12 mo)

48 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 3971% above the POLK CITY 33868 median. See the full Polk City market guide →

Paper trail

This home's history

CurrentPrice reduced to $1,995,000 $305K
Oct 29, 2025Listed at $2,300,000 · 281 days on market since
2016Built · MOUNT OLIVE SHORES NORTH SECOND ADDITION

Reality check

What actually sold near 414 MEANDERING WAY

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

8723 HINSDALE HEIGHTS DRIVESold · Jan ’26

$375,000

8723 HINSDALE HEIGHTS DRIVE

4 bd · 2.5 ba · 2,669 sqft · $141/sqft · 89 DOM

8662 RINDGE ROADSold · Mar ’26

$325,000

8662 RINDGE ROAD

3 bd · 2 ba · 2,144 sqft · $152/sqft · 11 DOM

8564 RINDGE ROADSold · Mar ’26

$305,000

8564 RINDGE ROAD

3 bd · 2 ba · 2,144 sqft · $142/sqft · 10 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 414 MEANDERING WAY — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 414 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.

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Goes straight to David’s phone and CRM.

Straight answers

414 MEANDERING WAY FAQs

What would the monthly payment be for 414 MEANDERING WAY?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $12,607/mo — principal and interest, the actual property-tax bill, the $237/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 414 MEANDERING WAY?+

The association fee works out to $237 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 414 MEANDERING WAY?+

The most recent tax bill on record (2025) was $8,363. 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 414 MEANDERING WAY?+

The listing reports pets: Breed Restrictions, Cats OK, Dogs OK. 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 $1,995,000, this home is listed about 402% above the Polk City median of $397,500. The market section on this page shows how the area is trending.

Which schools are assigned to 414 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

$1,995,000 runs 3971% above the POLK CITY 33868 median — but at 3,501 sqft it's also nearly twice the size of 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

281 days on market against a Polk City median of 54 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $2,300,000, now $1,995,000 — a $305K cut. The full history is in the market section below.

Listing courtesy of CORCORAN PREMIER REALTY · Alice Anne Jackson. MLS #O6355889.

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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