540 CENTRAL RIDGE LANE, FROSTPROOF, FL, 33843
Pending54 days on marketListed Jun 10, 2026MLS #TB8518023
About this home
540 CENTRAL RIDGE LANE
Virtually Staged. Priced to sell with motivated seller. Looking for a quiet, stable neighborhood with a house to call your home? Then this 4 Bed/2 Bathroom beauty has been waiting just for you! Its open floor plan with high ceilings will make sure your home feels spacious yet inviting. The 3 bedrooms have their own hallway and bathroom to give the Master Bedroom its space and privacy. Its on-suite bathroom, fit with a walk-in closet and a separate soaking tub, ensure you have the spaces for peace and organization. There has been installation of new carpet in the main living areas and stainless steel appliances in the kitchen. Your kitchen-to-be is ergonomically laid out with its large, marbled-topped island primed for game day parties or slower Sunday morning brunches. The pantry, office nook and roomy laundry room are placed off the kitchen for productivity. The low-maintenance front and back yards are ready for your mode of relaxation and recreation or primed for expansion. Top it all off with a full two-car attached garage with attic storage space and you will be able to make this space feel like yours in no time. Schedule a showing now as your first step to making this house your home!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,965
Sqft
0.23 ac
Lot size
2
Garage
2021
Year built
One
Levels
$132
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.
$2,209 /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
$2,209/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
−12.5%
$/sqft vs Frostproof actives
$132 vs $197
Days on market
54 vs 48 typical
Where $132/sqft sits among the 56 Frostproof 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 Frostproof
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Frostproof. See the full Frostproof guide →
FROSTPROOF 33843 — neighborhood snapshot
Population
11,072
Median age
53.4
Median income
$51,358
Median home value
$107,900
Avg household
2.45
Households w/ children
742
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Frostproof market
$220K → $245K
Frostproof median sold, yr/yr
96.1%
Sale-to-list ratio (12 mo)
27 of 56
Frostproof actives have cut their price
Median sold price, Frostproof, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 431% above the FROSTPROOF 33843 median. See the full Frostproof market guide →
Paper trail
This home's history
Reality check
What actually sold near 540 CENTRAL RIDGE LANE
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$297,000
254 S LAKE AVENUE
4 bd · 2 ba · 1,965 sqft · $151/sqft · 102 DOM
Sold · Dec ’25$297,000
Nearby listing
4 bd · 2 ba · 1,965 sqft · $151/sqft
Sold · Oct ’25$289,900
131 W 6TH STREET
3 bd · 2 ba · 1,747 sqft · $166/sqft · 183 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 540 CENTRAL RIDGE LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 540 CENTRAL RIDGE LANE — 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
540 CENTRAL RIDGE LANE FAQs
What would the monthly payment be for 540 CENTRAL RIDGE LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,209/mo — principal and interest, the actual property-tax bill, the $33/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 540 CENTRAL RIDGE LANE?+
The association fee works out to $33 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 540 CENTRAL RIDGE LANE?+
The most recent tax bill on record (2025) was $4,439. 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 540 CENTRAL RIDGE LANE?+
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 Frostproof?+
At $260,000, this home is listed about 5% below the Frostproof median of $274,950. The market section on this page shows how the area is trending.
Which schools are assigned to 540 CENTRAL RIDGE LANE?+
Frostproof Ben Hill Griffin Junior Elementary School (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of JACK KELLER INC · John Keller. MLS #TB8518023.
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 Frostproof homes, in your inbox
Like 540 CENTRAL RIDGE LANE but not quite? A daily digest of every new listing in Frostproof — 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 →