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Overview

2 bd2 ba1,674 sqft1 car garageSingle Family
TypeSingle Family
HOA$1,620/yr
Built2005
Lot10,145 sqft
Living area1,674 sqft
Price / sqft$284
Garage1 car

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

About this home

Ceiling Fans(s)ClubhouseDeed RestrictionsDog ParkFitness CenterGated Community - GuardDishwasherDisposal

402 Cruisers Dr is a 2005-built home in MT Olive Shores North Add 02, Polk City. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,674 square feet of living space. Listed at $475,000 (about $284/sqft), 521 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $1,620 annually.

From the listing

This beautiful 3-bedroom, 2 bath home located in the desirable 55+coommunity of Mt Olive Shores North offers a range of premium features and upgrades. The kitchen is designed with wood cabinetry, granite countertops, double oven and new appliances, with a skylight that fills the space with natural light. The spacious living and dining area includes a built-in bar, perfect for entertaining. The two sets of French doors lead to a Florida room, providing additional living space. Upgrades include a NEW ROOF (2024), WATER HEATER (2023) and Air conditioning serviced (2023). The property also has its own well for irrigation, providing cost effective yard maintenance. The home has an RV port that measures 60X15, which is completely shaded from the sun. The carport that measures 2011 as well as a garage providing plenty of parking space. Located in Central Florida, it is close to shopping, medical facilities and area attractions.

The essentials

Built
2005
Price / sqft
$284
On market
521 days
Annual tax
$3,249
HOA
$1,620/yr
Flood zone
X · Low risk
Lot
10,145 sqft
Type
Single Family Residence

At a glance

Single family
Built 2005
1 car garage
10,145 sqft lot
Lot size
1,674 sqft
Living area

Payment

Est. monthly payment
$3,120/mo
Down payment (20%)
$95,000
Property taxes
$271/mo
HOA
$1,620/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2005
Lot
10,145 sqft
Cooling
Central Air
Heating
Heat Pump
Parking
-
Days on Market
521
Ceiling Fans(s)
Clubhouse
Deed Restrictions
Dog Park
Fitness Center
Gated Community - Guard
Dishwasher
Disposal
Homestead exemption on file Flood Zone X
Annual Tax (2024)
$3,249
Parcel #
25-27-06-298367-002520

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
MT Olive Shores North Add 02
County
Polk
MLS Area
33868 - Polk City
Lot Size
10,145 sqft
HOA
$1,620/yr
Elisabeth Jean Louis

Price history

Date
Event
Price
4/1/2026
Price change
Source: Stellar MLS #L4956231
$475,000-11.9%
$284/sqft
-
Price change
Source: Stellar MLS #L4956231
$539,000-10.0%
$322/sqft
5/9/2025
Listed for sale
Source: Stellar MLS #L4956231
$599,000
$358/sqft

Neighborhood

402 Cruisers Dr
Polk City, FL, 33868 · 33868 - Polk City

Market insights

Offer Insights

Choose an offer strength

List price: $475,000
$467,500 – $475,000
98.6% – 100% of listTops out right at the list price
80% of listList price
44 of the last 86 home closings in 33868 landed at this number or higher (51%). The median one sat 43 days before it went under contract, and this one is on day 521 after a $124,000 cut.

Sample: 86 closed home sales in 33868 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,121/mo
Principal & interest$2,477
Property taxes$271
Insurance$238
HOA$135
Down payment20% · $95,000
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 includes any condo dues 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

$475,000

$284 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,674 sq ft

Time on market

521 days

Year built

2005

Monthly payment

About $3,120/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,249 annual tax bill, insurance, and the $1,620/yr HOA fee.

HOA fee

$1,620/yr

Managed by Elisabeth Jean Louis.

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?

Have another question?

Brokered byWORTH CLARK REALTYListing agent: Gail LaxdalListing data from Stellar MLS, MLS# L4956231.

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