109 NE 4th Ave, photo 1
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Overview

3 bd3 ba3,059 sqft1 car garageSingle Family
TypeSingle Family
HOANone listed
Built1990
Lot301,888 sqft
Living area3,059 sqft
Price / sqft$147
Garage1 car

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

About this home

Built-in FeaturesCeiling Fans(s)Central VaccumEat-in KitchenThermostatWalk-in Closet(s)StorageDishwasher

109 NE 4th Ave is a 1990-built home in L N Pipkins Add, Mulberry. Inside you'll find 3 bedrooms, 3 bathrooms, and 3,059 square feet of living space. Listed at $449,000 (about $147/sqft), 246 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

HUGE IMMEDIATE EQUITY OPPORTUNITY! PRICED EXTREMELY LOWER THAN CURRENT APPRAISAL! SELLERS SAY SELL! WATERFRONT HIDDEN GEM can be INCOME PRODUCING PROPERTY! Imagine waking up every day to sparkling water views, peaceful surroundings, and the perfect place to create lifelong memories. This beautiful waterfront property now the perfect time to make your move! Wildlife, Boat Days, Sunset Nights! Repositioned for the new owners! MAIN HOME, GUEST HOUSE AND WATER! Discover a truly unique triple-level retreat designed for privacy, nature, and year-round outdoor living. A long private drive leads to this secluded sanctuary surrounded by sparkling water and abundant wildlife living. The main residence features 3 bedrooms and 2.5 baths, with expansive windows, skylights, and multiple living areas capturing breathtaking water views. The chef’s kitchen offers generous workspace and a sun-filled eat-in nook overlooking the water. A bright sunroom extends the living space, perfect for relaxing or entertaining. The main level includes a formal dining room with built-in shelving (ideal as a study), half bath, and a large interior utility/storage room that can also function as a home office. The lower level hosts the family room/den and the primary suite, both offering direct water access and waterfront views. Upstairs are two spacious bedrooms, a guest bath, and additional attic storage. A separate guest home at the front of the property—currently under renovation—offers excellent flexibility for multi-generational living, guests, or income potential, while maintaining privacy between residences. Ideal for fishing, kayaking, canoeing, and enjoying the outdoors, with room for boats, RVs, and recreational toys. Conveniently located near shopping and dining, with Mulberry Dock & Park adjacent to the property. Own a private waterfront estate—schedule your private showing today.

The essentials

Built
1990
Price / sqft
$147
On market
335 days
Annual tax
$6,330
Flood zone
AE
Lot
301,888 sqft
Type
Single Family Residence

At a glance

Single family
Built 1990
Waterfront
Lake Front
1 car garage
Circular Driveway
6.93 acres
Lot size
3,059 sqft
Living area

Payment

Est. monthly payment
$3,094/mo
Down payment (20%)
$89,800
Property taxes
$528/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1990
Lot
301,888 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Circular Driveway, Driveway, Garage, Workshop in Garage
Waterfront
Lake Front
Days on Market
335
Built-in Features
Ceiling Fans(s)
Central Vaccum
Eat-in Kitchen
Thermostat
Walk-in Closet(s)
Storage
Dishwasher
Disposal
Range
Range Hood
Refrigerator
Flood Zone AE
Annual Tax (2024)
$6,330
Parcel #
23-30-01-000000-044150

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
L N Pipkins Add
County
Polk
MLS Area
33860 - Mulberry
Lot Size
301,888 sqft

Price history

Date
Event
Price
9/23/2026
Price change
Source: Stellar MLS #L4957046
$449,000+7.2%
$147/sqft
-
Price change
Source: Stellar MLS #L4957046
$419,000-16.0%
$137/sqft
11/8/2025
Listed for sale
Source: Stellar MLS #L4957046
$499,000
$163/sqft

Neighborhood

109 NE 4th Ave
Mulberry, FL, 33860 · 33860 - Mulberry

Market insights

Offer Insights

Choose an offer strength

List price: $449,000
$447,500 – $449,000
99.5% – 100% of listTops out right at the list price
80% of listList price
69 of the last 117 home closings in 33860 landed at this number or higher (59%). The median one sat 30 days before it went under contract, and this one is on day 335 after a $50,000 cut.

Sample: 117 closed home sales in 33860 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,094/mo
Principal & interest$2,342
Property taxes$528
Insurance$225
Down payment20% · $89,800
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%. 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

$449,000

$147 per sq ft

Beds and baths

3 beds, 3 baths

Size

3,059 sq ft

Time on market

335 days

Year built

1990

Monthly payment

About $3,094/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,330 annual tax bill, insurance.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

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Brokered byKELLER WILLIAMS REALTY SMARTListing agent: Tina Heim, PAListing data from Stellar MLS, MLS# L4957046.

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