620 W CUMMINGS STREET, LAKE ALFRED, FL, 33850
Active61 days on marketListed Jun 9, 2026MLS #O6415315
About this home
620 W CUMMINGS STREET
Charming 3/2 block home on a corner lot in the heart of Lake Alfred! This solid, well-built home features 1,650 sqft of living space, a fenced backyard with fruit trees, and a 2-car carport with plenty of room inside and out. The brick/stucco exterior gives it great curb appeal, and the updated shingle roof offers peace of mind. Whether you're a first-time buyer or investor, this one checks the boxes. Convenient to US-27, Winter Haven, and Lakeland. Don't miss it!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,650
Sqft
0.27 ac
Lot size
1956
Year built
One
Levels
$152
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.
$1,883 /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
$1,883/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
−5.8%
$/sqft vs Lake Alfred actives
$152 vs $190
Days on market
61 vs 56 typical
Where $152/sqft sits among the 110 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 → $349K
Lake Alfred median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
39 of 110
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 620 W CUMMINGS STREET
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$95,000
41 SUNSET CIRCLE
4 bd · 2 ba · 1,680 sqft · $57/sqft · 27 DOM
Sold · Jun ’26$310,000
315 S ITASCA AVENUE
3 bd · 2 ba · 1,689 sqft · $184/sqft · 46 DOM
Sold · Jun ’26$240,000
260 W HARBORD STREET
3 bd · 2 ba · 1,560 sqft · $154/sqft · 20 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 620 W CUMMINGS STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 620 W CUMMINGS 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
620 W CUMMINGS STREET FAQs
What would the monthly payment be for 620 W CUMMINGS STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,883/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 620 W CUMMINGS STREET?+
The most recent tax bill on record (2025) was $1,691. 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 $359,990. The market section on this page shows how the area is trending.
Which schools are assigned to 620 W CUMMINGS 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 EXP REALTY LLC · Christopher Coburn, Llc. MLS #O6415315.
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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