528 Central Ave, photo 1
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Overview

2 bd2 ba1,120 sqft1 car garageSingle Family
TypeSingle Family
HOA$25/yr
Built1981
Lot17,999 sqft
Living area1,120 sqft
Price / sqft$170
Garage1 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Sliding DoorsDishwasherElectric Water HeaterRangeRefrigerator

528 Central Ave is a 1981-built home in Sun Ray Homes, Frostproof. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,120 square feet of living space. Listed at $190,000 (about $170/sqft), 70 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $25 annually.

From the listing

Discover the perfect blend of peace, durability, and modern updates in this charming 2-bedroom, 2-bathroom concrete block home. Situated outside the city limits in the desirable SunRay Community of Frostproof, this property offers quiet country living with convenient access to Florida's premier destinations. You are just a 1.5-hour drive from both Tampa and Orlando, making weekend city trips or theme park adventures effortless! Don't wait—call today to schedule your exclusive appointment and see this home before it's gone!

The essentials

Built
1981
Price / sqft
$170
On market
139 days
Annual tax
$1,536
HOA
$25/yr
Flood zone
X · Low risk
Lot
17,999 sqft
Type
Single Family Residence

At a glance

Single family
Built 1981
1 car garage
0.41 acres
Lot size
1,120 sqft
Living area

Payment

Est. monthly payment
$1,216/mo
Down payment (20%)
$38,000
Property taxes
$128/mo
HOA
$25/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1981
Lot
17,999 sqft
Cooling
Wall/Window Unit(s)
Heating
None
Parking
-
Days on Market
139
Ceiling Fans(s)
Sliding Doors
Dishwasher
Electric Water Heater
Range
Refrigerator
Homestead exemption on file Flood Zone x
Annual Tax (2025)
$1,536
Parcel #
28-32-18-986130-011170

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
Sun Ray Homes
County
Polk
MLS Area
33843 - Frostproof
Lot Size
17,999 sqft
HOA
$25/yr

Price history

Date
Event
Price
7/18/2026
Price change
Source: Stellar MLS #K4903514
$190,000-2.6%
$170/sqft
5/23/2026
Listed for sale
Source: Stellar MLS #K4903514
$195,000
$174/sqft

Neighborhood

528 Central Ave
Frostproof, FL, 33843 · 33843 - Frostproof

Market insights

Offer Insights

Choose an offer strength

List price: $190,000
$185,000 – $190,000
98% – 100% of listTops out right at the list price
80% of listList price
32 of the last 63 home closings in 33843 landed at this number or higher (51%). The median one sat 41 days before it went under contract, and this one is on day 139 after a $5,000 cut.

Sample: 63 closed home sales in 33843 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$1,216/mo
Principal & interest$991
Property taxes$128
Insurance$95
HOA$2
Down payment20% · $38,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$190,000

$170 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,120 sq ft

Time on market

139 days

Year built

1981

Monthly payment

About $1,216/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,536 annual tax bill, insurance, and the $25/yr HOA fee.

HOA fee

$25/yr

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

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Brokered byFROSTPROOF REALTYListing agent: Melba TaylorListing data from Stellar MLS, MLS# K4903514.

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