513 SMITH ROAD, POLK CITY, FL, 33868
Active287 days on marketListed Oct 10, 2025MLS #P4936623
About this home
513 SMITH ROAD
Investor Special or DIY Dream! Seller says get it sold!! Discover the potential in this fixer-upper located at 513 Smith Rd in Polk City. This property is ready for your personal touch and offers great bones to build on. The roof is only 5 years old, and the well was replaced just 2 years ago, giving you a solid start on key improvements. The home currently does not have central air, allowing you the flexibility to design your own comfort system. Even better—two additional parcels on 0 Smith Rd are also available, offering the opportunity to purchase all properties together as a package deal. Perfect for investors or buyers looking to expand their footprint and create something special in a peaceful, rural setting.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,344
Sqft
0.29 ac
Lot size
1982
Year built
One
Levels
$74
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.
$930 /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
$930/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
−56%
$/sqft vs Polk City actives
$74 vs $277
Days on market
287 vs 81 typical
Where $74/sqft sits among the 92 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 → $295K
Polk City median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
46 of 92
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 104% 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 513 SMITH ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$417,000
359 TERMINAL AVENUE · same community
4 bd · 4 ba · 2,316 sqft · $180/sqft · 0 DOM
Sold · Apr ’26$278,000
106 SUNSET BOULEVARD
3 bd · 2 ba · 1,284 sqft · $217/sqft · 3 DOM
Sold · Mar ’26$170,000
234 TRAILVIEW WAY
3 bd · 2 ba · 1,228 sqft · $138/sqft · 2 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 513 SMITH ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 513 SMITH ROAD — 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
513 SMITH ROAD FAQs
What would the monthly payment be for 513 SMITH ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $930/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 513 SMITH ROAD?+
The most recent tax bill on record (2024) was $1,652. 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 Polk City?+
At $99,900, this home is listed about 75% below the Polk City median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 513 SMITH ROAD?+
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
$99,900 runs 104% above the POLK CITY 33868 median.
02Time on market is leverage
287 days on market against a Polk City median of 81 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $135,000, now $99,900 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 MYERS REALTY · Brenda Brooks. MLS #P4936623.
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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