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Overview

3 bd2 ba2,011 sqft2 car garageSingle Family
TypeSingle Family
HOA$650/yr
Built2022
Lot7,575 sqft
Living area2,011 sqft
Price / sqft$177
Garage2 car

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

About this home

Split BedroomThermostatWalk-in Closet(s)SidewalkDishwasherElectric Water HeaterMicrowaveRange

909 Montgomery Ln is a 2022-built home in Auburn Cove Ph 2 & 3, Polk City. Inside you'll find 3 bedrooms, 2 bathrooms, and 2,011 square feet of living space. Listed at $355,000 (about $177/sqft), 91 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $650 annually.

From the listing

Welcome to this beautiful 3-bedroom, 2-bathroom home built in 2022, located in the desirable Auburn Cove community in Polk City. Offering 2,011 square feet of well-designed living space, this move-in ready home features an open-concept floor plan, ceramic tile and carpet flooring, a spacious kitchen, a large primary suite with a walk-in closet, an indoor laundry room, a 2-car attached garage, and a versatile bonus room currently used as a fourth bedroom. Step outside to a fully fenced backyard, perfect for pets, entertaining, or simply relaxing. The community features two dog parks and a gazebo, providing convenient outdoor spaces for residents and their pets to enjoy. Conveniently located with easy access to I-4, shopping, dining, and Central Florida attractions.

The essentials

Built
2022
Price / sqft
$177
On market
91 days
Annual tax
$4,114
HOA
$650/yr
Flood zone
X · Low risk
Lot
7,575 sqft
Type
Single Family Residence

At a glance

Single family
Built 2022
2 car garage
7,575 sqft lot
Lot size
2,011 sqft
Living area

Payment

Est. monthly payment
$2,425/mo
Down payment (20%)
$71,000
Property taxes
$343/mo
HOA
$650/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2022
Lot
7,575 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
91
Split Bedroom
Thermostat
Walk-in Closet(s)
Sidewalk
Dishwasher
Electric Water Heater
Microwave
Range
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,114
Parcel #
25-27-08-298378-000060

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
Auburn Cove Ph 2 & 3
County
Polk
MLS Area
33868 - Polk City
Lot Size
7,575 sqft
HOA
$650/yr
AUBURN COVE HOMEOWNERS ASSOCIATION INC

Price history

Date
Event
Price
7/13/2026
Listed for sale
Source: Stellar MLS #S5154072
$355,000
$177/sqft

Neighborhood

909 Montgomery Ln
Polk City, FL, 33868 · 33868 - Polk City

Market insights

Offer Insights

Choose an offer strength

List price: $355,000
$350,000 – $355,000
98.6% – 100% of listTops out right at the list price
80% of listList price
43 of the last 85 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 91.

Sample: 85 closed home sales in 33868 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,426/mo
Principal & interest$1,851
Property taxes$343
Insurance$178
HOA$54
Down payment20% · $71,000
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

$355,000

$177 per sq ft

Beds and baths

3 beds, 2 baths

Size

2,011 sq ft

Time on market

91 days

Year built

2022

Monthly payment

About $2,425/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,114 annual tax bill, insurance, and the $650/yr HOA fee.

HOA fee

$650/yr

Managed by AUBURN COVE HOMEOWNERS ASSOCIATION INC.

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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Have another question?

Brokered byMELIN REALTY LLCListing agent: Eva OrtizListing data from Stellar MLS, MLS# S5154072.

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