122 CHURCH STREET S, LAKE HAMILTON, FL, 33851
Active26 days on marketListed Jul 18, 2026MLS #S5153838
About this home
122 CHURCH STREET S
Welcome to this beautifully maintained 3-bedroom, 2-bathroom home with a 2-car garage, situated on a spacious 0.24-acre lot. NO HOA, Designed with comfort and functionality in mind, this home features an open layout with vaulted ceilings, abundant natural light, tile flooring throughout, and a neutral color palette ready for your personal style. The kitchen offers ample counter space, a convenient breakfast bar, and plenty of room for everyday living or entertaining. The primary suite provides a peaceful retreat with a walk-in closet and private en-suite bath. Step outside to the expansive backyard, where you'll find a patio, plenty of green space, and endless possibilities to create your dream outdoor oasis. Conveniently located near shopping, dining, schools, and major roadways, this home is a fantastic opportunity you won't want to miss!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,386
Sqft
0.24 ac
Lot size
2
Garage
2004
Year built
One
Levels
$216
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.
$2,399 /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
$2,399/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
+19.1%
$/sqft vs Lake Hamilton actives
$216 vs $172
Days on market
26 vs 35 typical
Where $216/sqft sits among the 50 Lake Hamilton 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 Hamilton
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lake Hamilton. See the full Lake Hamilton guide →
LAKE HAMILTON 33851 — neighborhood snapshot
Population
1,109
Median age
42
Median income
$77,557
Median home value
$175,400
Avg household
3.59
Households w/ children
128
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 Hamilton market
$319K → $315K
Lake Hamilton median sold, yr/yr
99.0%
Sale-to-list ratio (12 mo)
18 of 50
Lake Hamilton actives have cut their price
Median sold price, Lake Hamilton, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 7% below the LAKE HAMILTON 33851 median. See the full Lake Hamilton market guide →
Paper trail
This home's history
Reality check
What actually sold near 122 CHURCH STREET S
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$239,000
113 KAIGEN COURT · same community
3 bd · 2 ba · 1,240 sqft · $193/sqft · 129 DOM
Sold · Nov ’25$290,000
128 KAIGEN COURT · same community
3 bd · 2 ba · 1,585 sqft · $183/sqft · 13 DOM
Sold · Aug ’25$259,900
1134 LEGATTO LOOP
3 bd · 2 ba · 1,400 sqft · $186/sqft · 114 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 122 CHURCH STREET S — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 122 CHURCH STREET S — 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
122 CHURCH STREET S FAQs
What would the monthly payment be for 122 CHURCH STREET S?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,399/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 122 CHURCH STREET S?+
The most recent tax bill on record (2025) was $4,089. 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 Lake Hamilton?+
At $300,000, this home is listed about 9% below the Lake Hamilton median of $330,000. The market section on this page shows how the area is trending.
Which schools are assigned to 122 CHURCH STREET S?+
Alta Vista 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.
Keep looking
Similar homes nearby
Listing courtesy of PREFERRED REAL ESTATE BROKERS · Michael Suazo. MLS #S5153838.
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.
Never miss a listing
New Lake Hamilton homes, in your inbox
Like 122 CHURCH STREET S but not quite? A daily digest of every new listing in Lake Hamilton — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →