540 W COLUMBIA STREET, LAKE ALFRED, FL, 33850
Active106 days on marketListed May 1, 2026MLS #O6404222
About this home
540 W COLUMBIA STREET
Short Sale. PRICE IMPROVEMENT !!! Charming and Well-Maintained! This spacious 4-bedroom, 2.5-bath home offers 1,789 square feet of comfortable living with tile flooring throughout, crown molding, granite countertops, and stainless steel appliances The kitchen features a modern stove with a built-in air fryer, and key appliances — including the stove, washer, dryer, and water heater — are just 2.5 years old. The HVAC system is less than 6 years old, offering peace of mind for years to come, and the roof on both the home and the backyard shed was replaced in 2024. The layout is both functional and unique, featuring one bathroom on a septic system and two on city water. The backyard is perfect for entertaining or relaxing, complete with a built-in park-style grill, a striking 30-foot firepit, a shed, and an additional storage room on the back side of the home. Located just minutes from I-4, you’ll enjoy convenient access to local attractions, shopping, and dining. Don't miss out — schedule your private showing today. This one won’t last!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
1,789
Sqft
0.17 ac
Lot size
1961
Year built
One
Levels
$140
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 — not generic estimates.
$1,929 /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
$1,929/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.
$/sqft vs Lake Alfred actives
$140 vs $187
Days on market
106 vs 58 typical
Where $140/sqft sits among the 108 Lake Alfred 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 Lake Alfred
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lake Alfred. See the full Lake Alfred guide →
LAKE ALFRED 33850 — neighborhood snapshot
Population
9,825
Median age
43.5
Median income
$53,877
Median home value
$215,700
Avg household
2.49
Households w/ children
1,055
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lake Alfred market
$311K → $321K
Lake Alfred median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
45 of 108
Lake Alfred actives have cut their price
Median sold price, Lake Alfred, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 23% below the LAKE ALFRED 33850 median. See the full Lake Alfred market guide →
Paper trail
This home's history
Reality check
What actually sold near 540 W COLUMBIA STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$279,000
579 LAKE CUMMINGS WAY
4 bd · 2 ba · 1,788 sqft · $156/sqft · 5 DOM
Sold · Nov ’25$320,000
305 E THELMA STREET
5 bd · 2 ba · 1,776 sqft · $180/sqft · 7 DOM
Sold · Jul ’26$299,000
909 INVERNESS WAY
4 bd · 2 ba · 1,768 sqft · $169/sqft · 101 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 540 W COLUMBIA STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 540 W COLUMBIA STREET — 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
540 W COLUMBIA STREET FAQs
What would the monthly payment be for 540 W COLUMBIA STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,929/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 540 W COLUMBIA STREET?+
The most recent tax bill on record (2024) was $2,242. 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 Lake Alfred?+
At $250,000, this home is listed about 31% below the Lake Alfred median of $359,900. The market section on this page shows how the area is trending.
Which schools are assigned to 540 W COLUMBIA STREET?+
Walter Caldwell Elementary School (elementary), Auburndale Senior High School (high), Lake Alfred Polytech Academy (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LOKATION · Erica Sanders. MLS #O6404222.
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.
Never miss a listing
New Lake Alfred homes, in your inbox
Like 540 W COLUMBIA STREET but not quite? A daily digest of every new listing in Lake Alfred — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →