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Overview

3 bd3 ba2,711 sqft3 car garageSingle Family
TypeSingle Family
HOA$850/yr
Built2005
Lot14,989 sqft
Living area2,711 sqft
Price / sqft$236
Garage3 car

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About this home

Ceiling Fans(s)Crown MoldingEat-in KitchenHigh CeilingsKitchen/Family Room ComboPrimary Bedroom Main FloorSolid Surface CountersSolid Wood Cabinets

905 Square Lake Dr is a 2005-built home in Square Lake Ph 01, Bartow. Inside you'll find 3 bedrooms, 3 bathrooms, and 2,711 square feet of living space. Listed at $639,900 (about $236/sqft), 101 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $850 annually.

From the listing

Virtually Staged. Custom Ernie White Built Home | Gated Community of Square Lake | Bartow, FL Crafted by award-winning Ernie White Construction — a Polk County builder with 45+ years of craftsmanship and 3,000+ homes to his name — 905 Square Lake Dr is a cherished, custom home in the private gated community of Square Lake. Offering 2,711 sq ft of refined living, 3 bedrooms, 2.5 baths, a side-entry 3-Car Garage, and a spectacular Screened Lanai, this home delivers both gracious entertaining and genuine everyday comfort. A grand Foyer with soaring ceilings sets an elegant tone, opening to formal living and dining rooms finished in stunning hardwood floors. The Kitchen features custom Wellborn wood cabinetry, granite counters, a center island, breakfast bar, walk-in pantry, breakfast nook, and quality stainless steel appliances. In the spacious Family Room, a built-in granite Bar with wine chiller, ice maker, and lighted cabinetry elevates entertaining to an art form. The Primary Suite is a true retreat — complete with a private reading nook, Lanai access, and generous his-and-her walk-in closets with built-in shelving. The spa-like en suite bath features a walk-in shower, garden soaking tub, and dual granite vanities. Two additional spacious bedrooms share a well-appointed second bath, while a convenient half bath serves guests just off the Family Room. The Laundry Room provides a utility sink, counter, and abundant cabinetry for added storage. Interior craftsmanship shines throughout: crown molding in living areas and Primary Suite, hardwood floors across all living spaces, plantation shutters, ceiling fans, and French doors. Step outside to the spectacular 33x36 Screened Lanai with pavers and a waterfall feature — perfect for morning coffee or al fresco evenings. Outdoor highlights include a fenced backyard, mature landscaping with palm trees, a timed irrigation system, and rain gutters. Square Lake is a deed-restricted, gated community featuring private roads and sidewalks — ideal for evening strolls and biking. Low HOA of just $850/year. Minutes to Bartow's charming historic district, BayCare Regional Medical Center, shopping, dining, and the Fort Fraser Trail. The Polk Parkway and Hwy 60 connect you easily to Lakeland (20 min), Tampa (40 min), and Orlando (55 min). Zoned for Bartow schools, including the nationally recognized International Baccalaureate program at Bartow High School.

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The essentials

Built
2005
Price / sqft
$236
On market
101 days
Annual tax
$5,915
HOA
$850/yr
Flood zone
X · Low risk
Lot
14,989 sqft
Type
Single Family Residence

At a glance

Single family
Built 2005
3 car garage
Garage Door Opener
0.34 acres
Lot size
2,711 sqft
Living area

Payment

Est. monthly payment
$4,221/mo
Down payment (20%)
$127,980
Property taxes
$493/mo
HOA
$850/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2005
Lot
14,989 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Garage Door Opener, Oversized
Days on Market
101
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Primary Bedroom Main Floor
Solid Surface Counters
Solid Wood Cabinets
Split Bedroom
Stone Counters
Thermostat
Walk-in Closet(s)
Wet Bar
Window Treatments
Hurricane Shutters
Private Yard
Rain Gutters
Sidewalk
Gated Community - No Guard
Sidewalks
Built-in Oven
Cooktop
Dishwasher
Disposal
Dryer
Electric Water Heater
Microwave
Range Hood
Refrigerator
Tankless Water Heater
Washer
Water Softener
Wine Refrigerator
Elementary
Floral Avenue Elem
Middle
Bartow Middle
High
Bartow High

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

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$5,915
Parcel #
25-30-07-406021-000060

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
Square Lake Ph 01
County
Polk
MLS Area
33830 - Bartow
Lot Size
14,989 sqft
SidewalkPaved
HOA
$850/yr
Square Lake HOA

Price history

Date
Event
Price
7/13/2026
Price change
Source: Stellar MLS #TB8518981
$639,900+1.6%
$236/sqft
-
Price change
Source: Stellar MLS #TB8518981
$629,900-8.6%
$232/sqft
7/3/2026
Listed for sale
Source: Stellar MLS #TB8518981
$689,000
$254/sqft

Neighborhood

905 Square Lake Dr
Bartow, FL, 33830 · 33830 - Bartow

Market insights

Offer Insights

Choose an offer strength

List price: $639,900
$635,000 – $639,900
99.5% – 100% of listTops out right at the list price
80% of listList price
115 of the last 205 home closings in 33830 landed at this number or higher (56%). The median one sat 42 days before it went under contract, and this one is on day 101 after a $49,100 cut.

Sample: 205 closed home sales in 33830 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$4,221/mo
Principal & interest$3,337
Property taxes$493
Insurance$320
HOA$71
Down payment20% · $127,980
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%. 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

$639,900

$236 per sq ft

Beds and baths

3 beds, 3 baths

Size

2,711 sq ft

Time on market

101 days

Year built

2005

Monthly payment

About $4,221/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,915 annual tax bill, insurance, and the $850/yr HOA fee.

HOA fee

$850/yr

Managed by Square Lake HOA.

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?

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Brokered byDALTON WADE INCListing agent: Marianne CroweListing data from Stellar MLS, MLS# TB8518981.

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