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Tucked away at the end of a peaceful cul-de-sac, this spacious 2-bedroom, 2-bathroom manufactured home offers a stunning waterfront retreat in Bartow’s premier 55+ Floral Lakes community. Boasting approximately 1, 704 square feet of comfortable living space on a generous lot, this residence stands out with the incredible perk of true land ownership—meaning you own your land with no lot rent and low monthly HOA fees. Step inside through the main entrance, which serves as a highly practical mudroom or "drop zone" complete with a laundry tub, upper cabinetry, and a closet. The home features a desirable split-bedroom floor plan for optimal privacy, anchored by a bright living room and an adjacent Florida room. Flooded with natural light from newer double-pane windows, the Florida room serves as a year-round oasis thanks to its own dedicated mini-split air conditioning unit. From here, you can step directly onto a large wooden deck or stroll down to your private 8x16 wood dock, creating the perfect backdrop for fishing or enjoying the water views.
The heart of the home is the kitchen featuring elegant granite countertops, a functional breakfast bar, an abundance of cabinetry, and premium appliances including an island cooktop with smooth burners, double wall ovens, a dishwasher, and a stainless-steel French-door refrigerator. Flowing seamlessly from the kitchen, the dining area includes stylish, built-in lighted shelving perfect for displaying collectibles. The primary suite is a true sanctuary, boasting mirrored walk-in closet doors, a private sliding glass door to the Florida room, and an en-suite bathroom equipped with dual vanities, a relaxing garden tub, and a large tiled shower. On the opposite side of the home, the generously sized second bedroom features an oversized closet with mirrored doors and direct access to the second bathroom, which pulls double duty as a guest bath with a single vanity and a tub/shower combo. Six-panel interior doors run throughout the home for a polished, cohesive finish.
Outside, a long carport easily accommodates a vehicle plus the golf cart (valued at $4, 000- and is included with a full price offer). Off the carport is a spacious storage room outfitted with shelving and the included washer and dryer. Perfectly situated in Central Florida between Tampa and Orlando, this golf-cart-friendly neighborhood places you just minutes from the Bartow Civic Center, Bartow Public Library, and Mary Holland Park. Living in Floral Lakes means enjoying a vibrant, active lifestyle with access to a clubhouse, a large heated swimming pool, a putting green, shuffleboard courts, a stocked community pond, and a boat ramp, alongside a busy calendar of social clubs, dances, and potlucks. Please note that association approval is required for purchase. Don't miss out on this exceptional waterfront property—call your Realtor today to schedule your private showing!
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NMLS Mortgage Loan Originator ID 16953
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5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
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|---|---|---|---|
| Loan Amount | $143,200 | $143,200 | $143,200 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 5.990% | 6.490% | 5.750% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.358% | 6.640% | 5.952% |
| Monthly Tax Payment | $71 | $71 | $71 |
| H/O Insurance Payment | $75 | $75 | $75 |
| Initial Principal & Interest Pmt | $858 | $904 | $1,189 |
| Total Monthly Payment | $1,004 | $1,050 | $1,335 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.