
403 COTTAGE CIRCLE E UNIT 403, LAKE WALES, FL, 33867
Active43 days on marketListed Jun 10, 2026MLS #TB8517679
About this home
403 COTTAGE CIRCLE E UNIT 403
Get more bang for your buck with this good lookin’ end-unit cottage. It is proudly offered as one of the last true one-bedrooms located inside the acclaimed Westgate River Ranch Resort & Rodeo in River Ranch, FL. The wood walls in the open great room and kitchen with the decorative brick fireplace creates the cozy cabin feel that comes from being in the country. The private outdoor patio with BBQ is the only one found on the one bedroom cottages. The kitchen and bathroom boast the original solid wood cabinetry. Additionally, the fully enclosed and PERMITTED Florida room with separate air conditioner and interior french doors provide limitless bonus room options. The water heater has been replaced with a tankless, limitless, hot water system and is situated inside the dedicated indoor utility room along with the full size washer and dryer, and extra pantry space. All-inclusive quarterly HOA fee completely covers high speed internet, cable, electricity, water, sewer, exterior building maintenance, pest control and lawn care. This original cottage can easily become a vacation home and/or an investment rental in your absence. This end-unit is steps away from all Westgate River Ranch Resort & Rodeo amenities including live rodeos, waterpark, mini golf, adventure park, petting zoo, boating, fishing, dining, and many other family friendly activities. *All window treatments, decorator ceiling fans, vintage mini stove (with replacement parts), microwave, mini and full size refrigerators, and some furnishings to be included in purchase. *All permits for improvements to date will be provided to the buyer. *Allergy friendly: no pets have lived in this unit for the last 11 years. *All purchase offers must be presented on an “AS IS” Purchase Contract, with verified proof of funds. No seller financing offered. Buyer to pay all closing costs. All reasonable offers will be entertained. *Showings by appointment only… schedule your tour today.
Facts & features
The home at a glance
1
Bedrooms
1
Bathrooms
737
Sqft
0 ac
Lot size
1966
Year built
One
Levels
$202
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 and the real association fee — not generic estimates.
$1,903 /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
$1,903/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.
Where it sits
Inside Lake Wales
Get to know Lake Wales. See the full Lake Wales guide →
LAKE WALES 33867 — neighborhood snapshot
Population
64
Median age
69.8
Avg household
1.21
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 Wales market
$275K → $275K
Lake Wales median sold, yr/yr
96.3%
Sale-to-list ratio (12 mo)
Median sold price, Lake Wales, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 8% below the LAKE WALES 33867 median. See the full Lake Wales market guide →
Paper trail
This home's history
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 403 COTTAGE CIRCLE E UNIT 403 — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 403 COTTAGE CIRCLE E UNIT 403 — 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
403 COTTAGE CIRCLE E UNIT 403 FAQs
What would the monthly payment be for 403 COTTAGE CIRCLE E UNIT 403?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,903/mo — principal and interest, the actual property-tax bill, the $710/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 403 COTTAGE CIRCLE E UNIT 403?+
The association fee works out to $710 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 403 COTTAGE CIRCLE E UNIT 403?+
The most recent tax bill on record (2025) was $1,085. 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 403 COTTAGE CIRCLE E UNIT 403?+
The listing reports pets: Size Limit. 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 Wales?+
At $149,000, this home is listed about 42% below the Lake Wales median of $256,490. The market section on this page shows how the area is trending.
Which schools are assigned to 403 COTTAGE CIRCLE E UNIT 403?+
Frostproof Ben Hill Griffin Junior Elementary School (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of EXP REALTY LLC · Andrea Bailey. MLS #TB8517679.
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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