412 Bay St NW, photo 1
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Overview

4 bd2 ba1,774 sqftSingle Family
TypeSingle Family
HOANone listed
Built1940
Lot8,381 sqft
Living area1,774 sqft
Price / sqft$69

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

About this home

Ceiling Fans(s)Awning(s)RangeRefrigerator

412 Bay St NW is a 1940-built home in Stephens Add, Fort Meade. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,774 square feet of living space. Listed at $122,000 (about $69/sqft), 523 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Investment Property with Exceptional Cash Flow! Don't miss this beautifully renovated single-family home featuring a fully equipped in-law suite—each side with separate entrances and meters, making it perfect for dual rental income. Recent upgrades include brand new flooring throughout, fresh modern paint, and tasteful finishes that give the home a bright, updated look. The main unit and in-law suite can be rented separately, maximizing income potential. Whether you're an investor seeking strong cash flow or a homeowner looking to offset your mortgage, this property is a rare find. With low maintenance needs and excellent rental appeal, this is a high-performing asset you’ll want in your portfolio! Note -property needs work . Cash purchase only .

The essentials

Built
1940
Price / sqft
$69
On market
523 days
Annual tax
$2,339
Flood zone
X · Low risk
Lot
8,381 sqft
Type
Single Family Residence

At a glance

Single family
Built 1940
8,381 sqft lot
Lot size
1,774 sqft
Living area

Payment

Est. monthly payment
$892/mo
Down payment (20%)
$24,400
Property taxes
$195/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1940
Lot
8,381 sqft
Cooling
Wall/Window Unit(s)
Heating
Ductless
Parking
-
Days on Market
523
Ceiling Fans(s)
Awning(s)
Range
Refrigerator
Flood Zone x
Annual Tax (2024)
$2,339
Parcel #
25-31-27-469700-000010

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
Stephens Add
County
Polk
MLS Area
33841 - Fort Meade
Lot Size
8,381 sqft

Price history

Date
Event
Price
9/25/2026
Price change
Source: Stellar MLS #O6306308
$122,000-0.8%
$69/sqft
-
Price change
Source: Stellar MLS #O6306308
$123,000-45.3%
$69/sqft
5/7/2025
Listed for sale
Source: Stellar MLS #O6306308
$225,000
$127/sqft

Neighborhood

412 Bay St NW
Fort Meade, FL, 33841 · 33841 - Fort Meade

Market insights

Offer Insights

Choose an offer strength

List price: $122,000
$121,000 – $122,000
99.5% – 100% of listTops out right at the list price
80% of listList price
25 of the last 42 home closings in 33841 landed at this number or higher (60%). The median one sat 40 days before it went under contract, and this one is on day 523 after a $103,000 cut.

Sample: 42 closed home sales in 33841 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$892/mo
Principal & interest$636
Property taxes$195
Insurance$61
Down payment20% · $24,400
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

$122,000

$69 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,774 sq ft

Time on market

523 days

Year built

1940

Monthly payment

About $892/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,339 annual tax bill, insurance.

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 byFUTURE HOME REALTY INCListing agent: Constantin FloreanListing data from Stellar MLS, MLS# O6306308.

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