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Overview

2 bd2 ba1,577 sqftSingle Family
TypeSingle Family
HOA$1,620/yr
Built2000
Lot6,974 sqft
Living area1,577 sqft
Price / sqft$278

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About this home

Ceiling Fans(s)Living Room/Dining Room ComboOpen FloorplanWalk-in Closet(s)LightingPrivate EntranceRv HookupStorage

1097 Caravan Loop is a 2000-built home in MT Olive Shores North, Polk City. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,577 square feet of living space. Listed at $439,000 (about $278/sqft), 82 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $1,620 annually.

From the listing

Welcome to easy Florida living in this beautifully updated 2-bedroom, 2-bath single-family home located in a sought-after active adult community in Polk City. Offering 1,758 square feet of thoughtfully designed living space, this move-in ready home has been extensively updated for comfort, style, and peace of mind. The stunning 2024 kitchen renovation features granite countertops, soft-close cabinetry, new appliances, under-cabinet lighting, updated fixtures, and GFI outlets. Tile flooring throughout, installed in 2020, provides a clean, cohesive look. The spacious screened lanai was beautifully updated in 2022 with new screens, doors, ceiling, ceiling fan, Bali sunshades, and swing hooks—creating the perfect space to relax year-round looking at the pond. Additional improvements include HVAC (2020), water heater (2020), washer and dryer (2024), TOTO toilets, water softener and reverse osmosis system (2019), attic flooring for easy HVAC access, and replacement windows and sliding glass doors (2020) with a lifetime transferable warranty. The private irrigation well was installed in 2021. The 54x14 RV Port with full hook ups to park your RV. Residents enjoy an exceptional lifestyle with two clubhouses, two community pools, fitness centers, pickleball courts, and a full calendar of social activities. This beautifully maintained home is ready for its next owner to enjoy.

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The essentials

Built
2000
Price / sqft
$278
On market
82 days
Annual tax
$4,240
HOA
$1,620/yr
Flood zone
X · Low risk
Lot
6,974 sqft
Type
Single Family Residence

At a glance

Single family
Built 2000
Community pool
Fitness center too
6,974 sqft lot
Lot size
1,577 sqft
Living area

Payment

Est. monthly payment
$2,998/mo
Down payment (20%)
$87,800
Property taxes
$353/mo
HOA
$1,620/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2000
Lot
6,974 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
82
Ceiling Fans(s)
Living Room/Dining Room Combo
Open Floorplan
Walk-in Closet(s)
Lighting
Private Entrance
Rv Hookup
Storage
Buyer Approval Required
Clubhouse
Deed Restrictions
Dog Park
Fitness Center
Gated Community - Guard
Golf Carts OK
Pool
Tennis Court(s)
Dishwasher
Dryer
Kitchen Reverse Osmosis System
Microwave
Range
Refrigerator
Washer
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,240
Parcel #
25-26-31-295433-001180

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
County
Polk
MLS Area
33868 - Polk City
Lot Size
6,974 sqft
HOA
$1,620/yr
Mosaic Services/Elisabeth Jean Louis

Price history

Date
Event
Price
7/23/2026
Listed for sale
Source: Stellar MLS #L4963740
$439,000
$278/sqft

Neighborhood

1097 Caravan Loop
Polk City, FL, 33868 · 33868 - Polk City

Market insights

Offer Insights

Choose an offer strength

List price: $439,000
$432,500 – $439,000
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 82.

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

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Calculator

Est. monthly payment
$2,997/mo
Principal & interest$2,290
Property taxes$353
Insurance$220
HOA$135
Down payment20% · $87,800
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%. 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

$439,000

$278 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,577 sq ft

Time on market

82 days

Year built

2000

Monthly payment

About $2,998/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,240 annual tax bill, insurance, and the $1,620/yr HOA fee.

HOA fee

$1,620/yr

Managed by Mosaic Services/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

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Brokered byWORTH CLARK REALTYListing agent: Douglass DillardListing data from Stellar MLS, MLS# L4963740.

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