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Overview

3 bd2 ba1,366 sqftSingle Family
TypeSingle Family
HOANone listed
Built1960
Lot11,700 sqft
Living area1,366 sqft
Price / sqft$176

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

About this home

Ceiling Fans(s)DishwasherElectric Water HeaterRangeRefrigerator

409 Montgomery Ave is a 1960-built home in Cloverdale Subdivision, Lakeland. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,366 square feet of living space. Listed at $239,900 (about $176/sqft), 87 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Virtually Staged. Spacious one-story home located in the established Cloverdale neighborhood of Lakeland. This 3-bedroom, 2-bathroom home offers a functional layout with plenty of potential to make it your own. The dining room and bedrooms feature wood flooring, while the spacious living room is finished with durable ceramic tile flooring. The kitchen offers ample cabinet storage and workspace for everyday living. Relax with your morning coffee or unwind in the screened patio overlooking the fenced backyard, providing a great space for outdoor enjoyment. A storage shed offers additional room for tools, lawn equipment, or hobbies. Whether you're a first-time homebuyer, investor, or someone looking to add your own personal touches, this property presents an excellent opportunity to create your ideal living space. Conveniently located near shopping, dining, schools, and major roadways. Schedule your private showing today and discover the possibilities this Lakeland home has to offer before it's gone!

The essentials

Built
1960
Price / sqft
$176
On market
87 days
Annual tax
$3,557
Flood zone
X · Low risk
Lot
11,700 sqft
Type
Single Family Residence

At a glance

Single family
Built 1960
0.27 acres
Lot size
1,366 sqft
Living area

Payment

Est. monthly payment
$1,667/mo
Down payment (20%)
$47,980
Property taxes
$296/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1960
Lot
11,700 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway
Days on Market
87
Ceiling Fans(s)
Dishwasher
Electric Water Heater
Range
Refrigerator
Elementary
Philip O’Brien Elementary
Middle
Crystal Lake Middle/Jun
High
Lakeland Senior High

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X
Annual Tax (2025)
$3,557
Parcel #
24-28-20-239200-000020

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
Cloverdale Subdivision
County
Polk
MLS Area
33801 - Lakeland
Lot Size
11,700 sqft
Paved

Price history

Date
Event
Price
10/13/2026
Price change
Source: Stellar MLS #S5154269
$239,900-4.0%
$176/sqft
-
Price change
Source: Stellar MLS #S5154269
$249,900-9.1%
$183/sqft
7/23/2026
Listed for sale
Source: Stellar MLS #S5154269
$275,000
$201/sqft

Neighborhood

409 Montgomery Ave
Lakeland, FL, 33801 · 33801 - Lakeland

Market insights

Offer Insights

Choose an offer strength

List price: $239,900
$239,900
99.5% – 100% of listTops out right at the list price
80% of listList price
99 of the last 174 home closings in 33801 landed at this number or higher (57%). The median one sat 27 days before it went under contract, and this one is on day 87 after a $35,100 cut.

Sample: 174 closed home sales in 33801 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$1,668/mo
Principal & interest$1,251
Property taxes$296
Insurance$120
Down payment20% · $47,980
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

$239,900

$176 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,366 sq ft

Time on market

87 days

Year built

1960

Monthly payment

About $1,667/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,557 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 byREALTYCITY INCListing agent: Jesse CarriedoListing data from Stellar MLS, MLS# S5154269.

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