446 CITRUS RIDGE, DAVENPORT, FL, 33837
Active88 days on marketListed Apr 28, 2026MLS #S5148829
About this home
446 CITRUS RIDGE
Build your perfect Florida retreat on this prime lot in the highly sought-after, 55+ community of Citrus Ridge! This level, cleared lot offers investors and snowbirds the unique flexibility to rent out the lot for RV use or to bring in a manufactured home and start enjoying the active sunshine lifestyle you’ve been dreaming of. Location is everything you are just minutes from world class golf, shopping at Posner Park, and the magic of Disney, yet tucked away in a quiet, friendly neighborhood. Low HOA fees include access to fantastic amenities: a sparkling community pool, clubhouse, fitness center, pickleball, and shuffleboard. Whether you’re looking for a seasonal escape or a permanent residence, this lot provides the ideal foundation. Don't wait land in this established community is hard to find!
Facts & features
The home at a glance
0.05 ac
Lot size
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.
$580 /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
$580/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.
The investor lens
Two ways this home pays
This home sits inside Citrus Ridge, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,295/mo median
Live Davenport rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Citrus Ridge
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Citrus Ridge is a short-term-rental community. See the full guide →
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Davenport market
$342K → $363K
Davenport median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
Median sold price, Davenport, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 86% below the DAVENPORT 33837 median. See the full Davenport market guide →
Paper trail
This home's history
Reality check
What actually sold near 446 CITRUS RIDGE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$175,000
11 HOLLY DRIVE
2 bd · 2 ba · 1,024 sqft · $171/sqft · 10 DOM
Sold · Oct ’25$310,000
34 JUNIPER
3 bd · 2 ba · 1,124 sqft · $276/sqft · 57 DOM
Sold · Jun ’26$249,900
5 SANDALWOOD DRIVE
2 bd · 2 ba · 1,214 sqft · $206/sqft · 75 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 446 CITRUS RIDGE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 446 CITRUS RIDGE — 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
446 CITRUS RIDGE FAQs
What would the monthly payment be for 446 CITRUS RIDGE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $580/mo — principal and interest, the actual property-tax bill, the $104/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 446 CITRUS RIDGE?+
The association fee works out to $104 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 446 CITRUS RIDGE?+
The most recent tax bill on record (2025) was $380. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 446 CITRUS RIDGE be rented short-term?+
Yes — this home sits inside Citrus Ridge, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 446 CITRUS RIDGE?+
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 Davenport?+
At $45,000, this home is listed about 88% below the Davenport median of $388,995. The market section on this page shows how the area is trending.
Which schools are assigned to 446 CITRUS RIDGE?+
Loughman Oaks Elementary School (elementary), Ridge Community High School (high), Shelley S. Boone Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the DAVENPORT 33837 market on paper
$45,000 is 86% below the DAVENPORT 33837 median of $320,000.
02Zoned for nightly rentals
Citrus Ridge is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Time on market is leverage
88 days on market against a Davenport median of 42 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $50,000, now $45,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of CENTURY 21 WOLF'S CROSSING REALTY · Stephanie Florez. MLS #S5148829.
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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