636 3RD STREET, POLK CITY, FL, 33868
Active272 days on marketListed Nov 3, 2025MLS #TB8434199
About this home
636 3RD STREET
Attention investors, builders, and handy homeowners! This is a unique opportunity to own a 2-bedroom, 1-bath mobile home on nearly half an acre in Polk City, FL, accompanied by two additional vacant lots — both already equipped with electric and septic. The mobile home needs work, making it a perfect fixer-upper or rental rehab project. Live in it while you renovate, or replace it entirely and unlock the potential of three separately usable parcels. With no HOA and plenty of flexibility, the additional lots could support new mobile homes, RVs, or income-producing structures (buyer to verify)
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
728
Sqft
0.43 ac
Lot size
1989
Year built
One
Levels
$178
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.
$1,089 /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
$1,089/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 Polk City actives
$178 vs $277
Days on market
272 vs 81 typical
Where $178/sqft sits among the 86 Polk City 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 Polk City
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Polk City. See the full Polk City guide →
POLK CITY 33868 — neighborhood snapshot
Population
13,676
Median age
40.7
Median income
$74,048
Median home value
$235,600
Avg household
2.89
Households w/ children
1,446
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Polk City market
$280K → $295K
Polk City median sold, yr/yr
96.5%
Sale-to-list ratio (12 mo)
47 of 86
Polk City actives have cut their price
Median sold price, Polk City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 165% above the POLK CITY 33868 median. See the full Polk City market guide →
Paper trail
This home's history
Reality check
What actually sold near 636 3RD STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$169,950
688 4TH STREET · same community
3 bd · 2 ba · 924 sqft · $184/sqft · 238 DOM
Sold · Sep ’25$264,500
646 4TH STREET · same community
5 bd · 3 ba · 2,160 sqft · $122/sqft · 46 DOM
Sold · Oct ’25$116,000
327 WATERVIEW DRIVE
2 bd · 1.5 ba · 708 sqft · $164/sqft · 173 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 636 3RD STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 636 3RD 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
636 3RD STREET FAQs
What would the monthly payment be for 636 3RD STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,089/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 636 3RD STREET?+
The most recent tax bill on record (2024) was $1,284. 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 Polk City?+
At $129,900, this home is listed about 68% below the Polk City median of $399,900. The market section on this page shows how the area is trending.
Which schools are assigned to 636 3RD STREET?+
Polk City Elementary School (elementary), Lake Alfred Polytech Academy (middle), Tenoroc High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$129,900 runs 165% above the POLK CITY 33868 median.
02Time on market is leverage
272 days on market against a Polk City median of 81 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $199,999, now $129,900 — a $70K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Mark Berdelle. MLS #TB8434199.
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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