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Active
3
beds
2
baths
1,380
sqft
-
garage
Listed by AXEN REALTY, LLC· Last updated · MLS# O6403984
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About this home
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640 E Cummings St is a 1975-built home in Hillside 02 Rep, Lake Alfred. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,380 square feet of living space. Listed at $285,000 (about $207/sqft), 93 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable.
From the listing
Welcome to this well-maintained 3-bedroom, 2-bathroom home in Lake Alfred with NO HOA! Featuring a comfortable and functional layout, spacious living areas, and a generous backyard, this home offers both convenience and value. An exceptional added benefit: the seller will PAY OFF the existing solar panel balance IN FULL at closing, allowing the solar system to convey free and clear to the buyer. Enjoy the benefits of owned solar and potential energy savings from Day 1 without assuming a solar loan. Conveniently located near shopping, dining, major roadways, and Central Florida attractions. Schedule your private showing today!
The essentials
Built
1975
Price / sqft
$207
On market
109 days
Annual tax
$1,913
Flood zone
X · Low risk
Lot
11,452 sqft
Type
Single Family Residence
Location
Type
Single Family Residence
Year Built
1975
Lot
11,452 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
109
Microwave
Range
Refrigerator
Homestead exemption on fileFlood Zone x
Annual Tax (2025)
$1,913
Parcel #
26-27-33-515520-000040
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
Hillside 02 Rep
County
Polk
MLS Area
33850 - Lake Alfred
Lot Size
11,452 sqft
Date
Event
Price
8/10/2026
Price change
Source: Stellar MLS #O6403984
$285,000+7.5%
$207/sqft
5/8/2026
Listed for sale
Source: Stellar MLS #O6403984
$265,000
$192/sqft
Enter a home price - see your real monthly payment.
Loan Details
$100K$2M
Your Results
Total Monthly Payment
$1,946
Principal, interest, tax, insurance
- P&I$1,486
- Tax$159
- Insurance$300
Loan Amount
$228,000
Down Payment %
20.0%
First Year Summary
Principal
$2,407
Interest
$15,430
Balance
$225,593
Total Interest
$307,100
Total Cost
$535,100
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