630 E THELMA STREET, LAKE ALFRED, FL, 33850
Active57 days on marketListed Jun 10, 2026MLS #P4938986
About this home
630 E THELMA STREET
Welcome to 630 E Thelma Street—a home that’s been lovingly updated and is ready for its next chapter. Inside you’ll find brand new flooring throughout, fresh interior paint and an open kitchen with granite counters, stainless appliances, and beautiful sage green cabinets. You'll find a fireplace near the kitchen, an area perfect for a cozy dining area or living room. Opposite the kitchen is an oversized living room. The bedroom and bathrooms have been beautifully modernized, making everyday routines a little brighter. The real fun begins out back: a screened porch with a built-in bar top is perfect for hanging out with friends, and the hot tub is waiting when you’re ready to relax. The fenced yard gives you space for pets, play, or just enjoying some privacy. Sitting on a corner lot with a two-car garage, this home offers flexibility without the rules of an HOA. There is even a 50 amp power hookup and water hookup on the right side of the home for a camper or RV! You’re close to the Chain of Lakes boat ramp, local shops and restaurants, and only a short drive to the I-4 Lake Alfred exit! If you’ve been searching for a place that feels comfortable, updated, and easy to enjoy—this could be the one!!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,689
Sqft
0.25 ac
Lot size
2
Garage
1975
Year built
One
Levels
$192
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.
$2,576 /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
$2,576/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
+14%
$/sqft vs Lake Alfred actives
$192 vs $186
Days on market
57 vs 58 typical
Where $192/sqft sits among the 111 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 → $337K
Lake Alfred median sold, yr/yr
98.4%
Sale-to-list ratio (12 mo)
43 of 111
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 1% 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 630 E THELMA STREET
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$240,000
425 S RAMONA AVE · same community
3 bd · 2 ba · 1,392 sqft · $172/sqft · 11 DOM
Sold · Jan ’26$345,000
695 N TODHUNTER WAY · same community
4 bd · 2 ba · 2,032 sqft · $170/sqft · 110 DOM
Sold · Mar ’26$275,000
645 E THELMA STREET · same community
2 bd · 2 ba · 1,280 sqft · $215/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 630 E THELMA STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 630 E THELMA 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
630 E THELMA STREET FAQs
What would the monthly payment be for 630 E THELMA STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,576/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 630 E THELMA STREET?+
The most recent tax bill on record (2025) was $4,312. 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 630 E THELMA STREET?+
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 Alfred?+
At $324,900, this home is listed about 9% below the Lake Alfred median of $357,965. The market section on this page shows how the area is trending.
Which schools are assigned to 630 E THELMA 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 STELLAR REAL ESTATE OF FLORIDA · Monica Bouwers. MLS #P4938986.
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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