629 FAIRHOPE DRIVE, POLK CITY, FL, 33868
Active320 days on marketListed Sep 20, 2025MLS #P4936214
About this home
629 FAIRHOPE DRIVE
Short Sale. HUGE PRICE DROP! Discover the charm of this Highland Home Serendipity floor plan nestled in the desirable Auburn Cove neighborhood. This inviting open-concept residence features three spacious bedrooms and two well-appointed baths, along with a versatile flex/office room adorned with elegant French doors. Luxury vinyl plank flooring flows seamlessly throughout the home, enhancing its modern appeal. The large primary bedroom boasts a tray ceiling, dual walk-in closets, and an en suite bathroom complete with dual vanities, a beautifully tiled shower, and a private water closet. The kitchen is a chef's delight, equipped with a counter-height island and stainless steel appliances, perfectly positioned to overlook the bright living room with its soaring ceilings. Sliding doors from the living room invite you to a screened-in lanai that offers a peaceful retreat while overlooking the expansive, fully fenced backyard, ideal for both relaxation and entertaining. This home beautifully combines style and functionality in a sought-after location. Just minutes away from Interstate 4, the vital corridor between Orlando and Tampa, you have quick access to shopping, restaurants and area attractions.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
2,004
Sqft
0.19 ac
Lot size
2
Garage
2021
Year built
One
Levels
$147
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.
$2,421 /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
$2,421/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
−21.2%
$/sqft vs Polk City actives
$147 vs $279
Days on market
320 vs 57 typical
Where $147/sqft sits among the 83 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 → $300K
Polk City median sold, yr/yr
96.2%
Sale-to-list ratio (12 mo)
46 of 83
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 502% 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 629 FAIRHOPE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$270,000
1104 AUBURN COVE CIRCLE · same community
2 bd · 2 ba · 1,176 sqft · $230/sqft · 65 DOM
Sold · May ’26$265,000
1202 AUBURN COVE CIRCLE · same community
2 bd · 2 ba · 1,076 sqft · $246/sqft · 0 DOM
Sold · Feb ’26$418,900
5150 VILLA CREST WAY
3 bd · 2 ba · 1,970 sqft · $213/sqft · 85 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 629 FAIRHOPE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 629 FAIRHOPE DRIVE — 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
629 FAIRHOPE DRIVE FAQs
What would the monthly payment be for 629 FAIRHOPE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,421/mo — principal and interest, the actual property-tax bill, the $50/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 629 FAIRHOPE DRIVE?+
The association fee works out to $50 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 629 FAIRHOPE DRIVE?+
The most recent tax bill on record (2024) was $4,130. 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 629 FAIRHOPE DRIVE?+
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 $295,000, this home is listed about 26% below the Polk City median of $397,500. The market section on this page shows how the area is trending.
Which schools are assigned to 629 FAIRHOPE DRIVE?+
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
Three things that matter here
01Positioned at the premium end
$295,000 runs 502% above the POLK CITY 33868 median — but at 2,004 sqft it's also 23% larger than the typical Polk City listing.
02Time on market is leverage
320 days on market against a Polk City median of 57 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $359,900, now $295,000 — a $65K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY SMART 1 · David Small. MLS #P4936214.
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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