David Ramirez
$115,000$138,000$948 /mo all-in ↓

MAIN STREET, DUNDEE, FL, 33838

Active129 days on marketListed Mar 13, 2026MLS #S5144194

Priced 58% below the DUNDEE 33838 medianReduced $23KDUNDEE

About this home

MAIN STREET

Prime Commercial Lot | Downtown Dundee Excellent opportunity to acquire a commercial vacant lot in the growing town of Dundee. This property includes Lots 10 & 11 totaling approximately 60 x 125, ideally located just off Highway 27 on Main Street, offering high visibility and easy access for customers and clients. Located next to 120 Main St. Dundee FL. Positioned in a high-traffic area within Dundee’s expanding downtown corridor, this property provides a fantastic opportunity for investors, business owners, or developers looking to establish a presence in a thriving community with a strong local economy. The property is not located in a flood zone and is zoned commercial. Buyers are encouraged to verify permitted uses and future land use with the Town of Dundee. Conveniently located near major highways, established businesses, shopping centers, and Central Florida’s world-renowned theme parks and attractions, making it an attractive location for a variety of business opportunities. Whether you're looking to develop professional office space, retail, service-based business, or investment property, this site offers excellent potential in one of Polk County’s steadily growing areas.

Facts & features

The home at a glance

0.17 ac

Lot size

Inside

Outside & construction

Community & fees

Taxes (2025)$719/yr

Utilities & systems

UtilitiesElectricity Available
WaterNone

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$948 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$677
FHA mortgage insurance (est.)$51
Property tax — 2025 actual bill$60
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $4,025Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $4,025
Interest rate6.00%
Loan term

Estimated payment

$948/mo

Principal & interest$677
FHA mortgage insurance (est.)$51
Property taxes (actual bill)$60
Est. insurance$160

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.

Where it sits

Inside Dundee

Map of MAIN STREET

Drive times from this address

Walt Disney World53 min
Orlando Int’l Airport (MCO)64 min
Universal Orlando66 min
Downtown Orlando71 min

Get to know Dundee. See the full Dundee guide →

DUNDEE 33838 — neighborhood snapshot

Population

5,431

Median age

32.6

Median income

$44,514

Median home value

$230,100

Avg household

2.93

Households w/ children

740

For the school run

Polk County School District

ElementarySandhill Elementary School★★★★★
HighHaines City Senior High School★★★★★
MiddleShelley S. Boone Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Dundee market

Seller’s marketLeans buyer7.6 months of inventoryBuyer’s market

$315K$310K

Dundee median sold, yr/yr

98.6%

Sale-to-list ratio (12 mo)

Median sold price, Dundee, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 58% below the DUNDEE 33838 median. See the full Dundee market guide →

Paper trail

This home's history

CurrentPrice reduced to $115,000 $23K
Mar 13, 2026Listed at $138,000 · 129 days on market since

Reality check

What actually sold near MAIN STREET

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

310 LAKE AVENUESold · Aug ’25

$75,000

310 LAKE AVENUE · same community

3 bd · 2 ba · 797 sqft · $94/sqft · 151 DOM

217 E MAIN STREETSold · Dec ’25

$142,000

217 E MAIN STREET · same community

2 bd · 1 ba · 858 sqft · $166/sqft · 32 DOM

605 FLORIDA AVENUESold · Mar ’26

$230,000

605 FLORIDA AVENUE · same community

3 bd · 1 ba · 1,296 sqft · $177/sqft · 122 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about MAIN STREET — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for MAIN 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.

Goes straight to David’s phone and CRM.

Straight answers

MAIN STREET FAQs

What would the monthly payment be for MAIN STREET?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $948/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 MAIN STREET?+

The most recent tax bill on record (2025) was $719. 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 Dundee?+

At $115,000, this home is listed about 62% below the Dundee median of $299,900. The market section on this page shows how the area is trending.

Which schools are assigned to MAIN STREET?+

Sandhill Elementary School (elementary), Haines City Senior High School (high), Shelley S. Boone Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of SHANI BUILDERS & REALTY LLC · Shani Lokhnath. MLS #S5144194.

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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