991 OLD CUTLER ROAD, LAKE WALES, FL, 33898
Active99 days on marketListed Apr 30, 2026MLS #P4938582
About this home
991 OLD CUTLER ROAD
Welcome to this beautifully maintained pool home in the heart of Historic Lake Wales, where charm, character, and convenience come together. Enjoy being just minutes from a vibrant downtown filled with local restaurants, cozy coffee shops, quaint bistros, and even a charming tea room—perfect for relaxed afternoons and lively evenings alike. This inviting 2-bedroom, 2-bath home offers 1,216 square feet of thoughtfully designed living space. The kitchen features newer appliances and solid surface countertops, creating a functional and stylish space for everyday living and entertaining. Step outside to your private retreat—a screened pool patio ideal for hosting gatherings or simply unwinding in peace. The pool is heated so you can enjoy the outdoor space year-round. The backyard is truly special, offering a rare sense of privacy with mature hedges and beautiful oak trees. Whether you're an avid gardener or simply appreciate lush, natural surroundings, this expansive outdoor space is ready to be transformed into your own personal oasis. Additional highlights include a 2-car garage, a brick paver driveway that enhances curb appeal, and an irrigation system supplied by a well—with the pump replaced just one year ago—helping keep your landscape thriving year-round. Located within a quiet gated community, this home offers both tranquility and convenience. A perfect blend of comfort, charm, and outdoor living—this is Florida living at its finest.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,216
Sqft
0.24 ac
Lot size
2
Garage
1997
Year built
One
Levels
$222
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.
$2,124 /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
$2,124/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 Wales actives
$222 vs $174
Days on market
99 vs 54 typical
Where $222/sqft sits among the 364 Lake Wales 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 Wales
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lake Wales. See the full Lake Wales guide →
LAKE WALES 33898 — neighborhood snapshot
Population
18,426
Median age
46.9
Median income
$54,778
Median home value
$161,500
Avg household
2.51
Households w/ children
1,790
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 Wales market
$275K → $271K
Lake Wales median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
166 of 364
Lake Wales actives have cut their price
Median sold price, Lake Wales, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 91% above the LAKE WALES 33898 median. See the full Lake Wales market guide →
Paper trail
This home's history
Reality check
What actually sold near 991 OLD CUTLER ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$215,000
2930 JASMINE AVENUE
3 bd · 2 ba · 1,244 sqft · $173/sqft · 0 DOM
Sold · Dec ’25$264,400
2117 EMMA LANE
3 bd · 2 ba · 1,266 sqft · $209/sqft · 61 DOM
Sold · Apr ’26$160,000
10104 VILLAGE DRIVE UNIT 4
2 bd · 2 ba · 1,280 sqft · $125/sqft · 138 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 991 OLD CUTLER ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 991 OLD CUTLER 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
991 OLD CUTLER ROAD FAQs
What would the monthly payment be for 991 OLD CUTLER ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,124/mo — principal and interest, the actual property-tax bill, the $70/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 991 OLD CUTLER ROAD?+
The association fee works out to $70 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 991 OLD CUTLER ROAD?+
The most recent tax bill on record (2025) was $2,222. 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 991 OLD CUTLER ROAD?+
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 Lake Wales?+
At $270,000, this home is listed about 8% above the Lake Wales median of $250,000. The market section on this page shows how the area is trending.
Which schools are assigned to 991 OLD CUTLER ROAD?+
Frostproof Ben Hill Griffin Junior Elementary School (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY SMART 1 · Rick Bolden. MLS #P4938582.
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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