David Ramirez
$639,900$689,0003 bd2.5 ba2,711 sqft$236 /sqft$4,417 /mo all-in ↓

905 SQUARE LAKE DRIVE, BARTOW, FL, 33830

Active17 days on marketListed Jul 3, 2026MLS #TB8518981

Reduced $49KSingle Family ResidenceSQUARE LAKE PH 01

About this home

905 SQUARE LAKE DRIVE

Virtually Staged. Custom Ernie White Built Home | Gated Community of Square Lake | Bartow, FL Crafted by award-winning Ernie White Construction — a Polk County builder with 45+ years of craftsmanship and 3,000+ homes to his name — 905 Square Lake Dr is a cherished, custom home in the private gated community of Square Lake. Offering 2,711 sq ft of refined living, 3 bedrooms, 2.5 baths, a side-entry 3-Car Garage, and a spectacular Screened Lanai, this home delivers both gracious entertaining and genuine everyday comfort. A grand Foyer with soaring ceilings sets an elegant tone, opening to formal living and dining rooms finished in stunning hardwood floors. The Kitchen features custom Wellborn wood cabinetry, granite counters, a center island, breakfast bar, walk-in pantry, breakfast nook, and quality stainless steel appliances. In the spacious Family Room, a built-in granite Bar with wine chiller, ice maker, and lighted cabinetry elevates entertaining to an art form. The Primary Suite is a true retreat — complete with a private reading nook, Lanai access, and generous his-and-her walk-in closets with built-in shelving. The spa-like en suite bath features a walk-in shower, garden soaking tub, and dual granite vanities. Two additional spacious bedrooms share a well-appointed second bath, while a convenient half bath serves guests just off the Family Room. The Laundry Room provides a utility sink, counter, and abundant cabinetry for added storage. Interior craftsmanship shines throughout: crown molding in living areas and Primary Suite, hardwood floors across all living spaces, plantation shutters, ceiling fans, and French doors. Step outside to the spectacular 33x36 Screened Lanai with pavers and a waterfall feature — perfect for morning coffee or al fresco evenings. Outdoor highlights include a fenced backyard, mature landscaping with palm trees, a timed irrigation system, and rain gutters. Square Lake is a deed-restricted, gated community featuring private roads and sidewalks — ideal for evening strolls and biking. Low HOA of just $850/year. Minutes to Bartow's charming historic district, BayCare Regional Medical Center, shopping, dining, and the Fort Fraser Trail. The Polk Parkway and Hwy 60 connect you easily to Lakeland (20 min), Tampa (40 min), and Orlando (55 min). Zoned for Bartow schools, including the nationally recognized International Baccalaureate program at Bartow High School.

Facts & features

The home at a glance

3

Bedrooms

2.5

Bathrooms

2,711

Sqft

0.34 ac

Lot size

3

Garage

2005

Year built

One

Levels

$236

Per sqft

Pets allowed

Inside

FlooringTile · Hardwood
AppliancesBuilt-In Oven · Cooktop · Dishwasher · Disposal · Dryer · Electric Water Heater · Microwave · Range Hood · Refrigerator · Tankless Water Heater · Washer · Water Softener · Wine Refrigerator
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · High Ceilings · Kitchen/Family Room Combo · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s) · Wet Bar · Window Treatments
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesWest
ParkingGarage Door Opener · Oversized
ExteriorFrench Doors · Hurricane Shutters · Irrigation System · Private Yard · Rain Gutters · Sidewalk

Community & fees

HOA fee$71/mo
Taxes (2025)$5,915/yr
PetsYes
CommunityGated Community - No Guard · Sidewalks

Utilities & systems

UtilitiesCable Connected · Electricity Connected
WaterPublic

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.

$4,417 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$3,453
PMI (est., until 20% equity)$240
Property tax — 2025 actual bill$493
HOA fee — from the listing$71
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $63,990Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:

Andrew Acosta

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $63,990
Interest rate6.00%
Loan term

Estimated payment

$4,417/mo

Principal & interest$3,453
PMI (est., until 20% equity)$240
Property taxes (actual bill)$493
HOA / condo fee$71
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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 Bartow actives

$236 vs $173

Days on market

17 vs 42 typical

Where $236/sqft sits among the 120 Bartow actives

22
33
28
21
7 · this home
9
$108–137$137–167$167–196$196–225$225–255$255+

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 Square Lake

Map of 905 SQUARE LAKE DRIVE inside its neighborhood boundary

Get to know Bartow. See the full Bartow guide →

Square Lake — neighborhood snapshot

Population

258

Median age

42

Median income

$71,420

Median home value

$207,600

Avg household

3

Households w/ children

25%

For the school run

Polk County School District

HighBartow Senior High School★★★★★
ElementaryJames E. Stephens Academy★★★★★
MiddleBartow Middle School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Bartow market

Seller’s marketLeans seller3.8 months of inventoryBuyer’s market

$325K$310K

Bartow median sold, yr/yr

98.0%

Sale-to-list ratio (12 mo)

68 of 120

Bartow actives have cut their price

Median sold price, Bartow, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 113% above the BARTOW 33830 median. See the full Bartow market guide →

Paper trail

This home's history

CurrentPrice reduced to $639,900 $49K
Jul 3, 2026Listed at $689,000 · 17 days on market since
2005Built · SQUARE LAKE PH 01

Reality check

What actually sold near 905 SQUARE LAKE DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

825 SQUARE LAKE DRIVESold · Dec ’25

$550,000

825 SQUARE LAKE DRIVE · same community

4 bd · 3.5 ba · 2,716 sqft · $203/sqft · 138 DOM

745 SQUARE LAKE DRIVE ESold · Jul ’25

$485,000

745 SQUARE LAKE DRIVE E · same community

3 bd · 2.5 ba · 2,369 sqft · $205/sqft · 398 DOM

870 DE LA BOSQUE AVENUESold · Dec ’25

$624,950

870 DE LA BOSQUE AVENUE

4 bd · 3 ba · 2,718 sqft · $230/sqft · 30 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 905 SQUARE LAKE DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 905 SQUARE LAKE DRIVE — 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.

Goes straight to David’s phone and CRM.

Straight answers

905 SQUARE LAKE DRIVE FAQs

What would the monthly payment be for 905 SQUARE LAKE DRIVE?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,417/mo — principal and interest, the actual property-tax bill, the $71/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 905 SQUARE LAKE DRIVE?+

The association fee works out to $71 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 905 SQUARE LAKE DRIVE?+

The most recent tax bill on record (2025) was $5,915. 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 905 SQUARE LAKE DRIVE?+

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 Bartow?+

At $639,900, this home is listed about 97% above the Bartow median of $325,000. The market section on this page shows how the area is trending.

Which schools are assigned to 905 SQUARE LAKE DRIVE?+

Bartow Senior High School (high), James E. Stephens Academy (elementary), Bartow Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of DALTON WADE INC · Marianne Crowe. MLS #TB8518981.

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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