4538 Cortland Dr, photo 1
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Overview

6 bd4 ba3,208 sqft3 car garageSingle Family
TypeSingle Family
HOA$440/qtr
Built2017
Lot6,595 sqft
Living area3,208 sqft
Price / sqft$140
Garage3 car

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

About this home

Built-in FeaturesCeiling Fans(s)Primarybedroom UpstairsSolid Surface CountersSolid Wood CabinetsStone CountersThermostatRain Gutters

4538 Cortland Dr is a 2017-built home in Cortland Woods/Providence Ph I, Davenport. Inside you'll find 6 bedrooms, 4 bathrooms, and 3,208 square feet of living space. Listed at $450,000 (about $140/sqft), 55 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $440 quarterly.

From the listing

Short Sale. Welcome to this spacious six-bedroom, four-full-bathroom home in the sought-after Providence community. The open floor plan features a large kitchen with an island, tall cabinets, stainless steel appliances, granite countertops, and all appliances included, along with generous living and family room spaces perfect for everyday living or entertaining. The primary suite offers a large walk-in closet, dual vanities, a sitting area, and built-in cabinetry, creating a comfortable private retreat with an en-suite bath. Additional features include a dedicated laundry room, a whole-house saltless water filtration system, and a three-car garage with custom lighting and wall storage. Step outside to enjoy the fenced backyard, spacious lot, and large paved patio. The home is equipped with solar panels and a full irrigation system supported by a private well, helping keep lawn maintenance costs low with no water bill for irrigation. Providence offers 24-hour guard-gated entry, a clubhouse, fitness center, golf course, swimming pools, playgrounds, and more. Whether you're looking for a primary residence, vacation home, or investment opportunity, this property checks all the boxes.

The essentials

Built
2017
Price / sqft
$140
On market
55 days
Annual tax
$4,088
HOA
$440/qtr
Flood zone
X · Low risk
Lot
6,595 sqft
Type
Single Family Residence

At a glance

Single family
Built 2017
3 car garage
6,595 sqft lot
Lot size
3,208 sqft
Living area

Payment

Est. monthly payment
$3,060/mo
Down payment (20%)
$90,000
Property taxes
$341/mo
HOA
$440/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2017
Lot
6,595 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
55
Built-in Features
Ceiling Fans(s)
Primarybedroom Upstairs
Solid Surface Counters
Solid Wood Cabinets
Stone Counters
Thermostat
Rain Gutters
Dishwasher
Microwave
Range
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,088
Parcel #
28-26-18-932909-002060

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
Cortland Woods/Providence Ph I
County
Polk
MLS Area
33837 - Davenport
Lot Size
6,595 sqft
LandscapedLevel
HOA
$440/qtr
Stephen Lim

Price history

Date
Event
Price
9/23/2026
Price change
Source: Stellar MLS #L4964061
$450,000-5.3%
$140/sqft
8/18/2026
Listed for sale
Source: Stellar MLS #L4964061
$475,000
$148/sqft

Neighborhood

4538 Cortland Dr
Davenport, FL, 33837 · 33837 - Davenport

Market insights

Offer Insights

Choose an offer strength

List price: $450,000
$447,500 – $450,000
99.5% – 100% of listTops out right at the list price
80% of listList price
311 of the last 464 home closings in 33837 landed at this number or higher (67%). The median one sat 34 days before it went under contract, and this one is on day 55 after a $25,000 cut.

Sample: 464 closed home sales in 33837 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,060/mo
Principal & interest$2,347
Property taxes$341
Insurance$225
HOA$147
Down payment20% · $90,000
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

$450,000

$140 per sq ft

Beds and baths

6 beds, 4 baths

Size

3,208 sq ft

Time on market

55 days

Year built

2017

Monthly payment

About $3,060/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,088 annual tax bill, insurance, and the $440/qtr HOA fee.

HOA fee

$440/qtr

Managed by Stephen Lim.

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 byKELLER WILLIAMS REALTYListing agent: Casandra VannListing data from Stellar MLS, MLS# L4964061.

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