2055 S FLORAL AVENUE, #296, Bartow, FL, 33830 | $165,000

Embrace the ultimate waterfront lifestyle in this furnished and move-in-ready 2-bedroom, 2-bathroom manufactured home located in Bartow’s highly desirable 55+ Floral Lakes community. Offering the incredible perk of land ownership with no lot rent and low monthly HOA fees, this home is designed for easy, comfortable living. The kitchen is fully equipped with a refrigerator, range, range hood, dishwasher, a closet pantry, and a convenient breakfast bar for casual dining. Just adjacent, a cozy dinette area features a charming built-in china hutch. The layout flows effortlessly into the living room, where double French doors open into a large, enclosed rear patio with screen and vinyl windows. This seamless transition creates a wonderful indoor-outdoor living space where you can relax and enjoy beautiful lake views in year-round comfort.
Both bedrooms are finished with durable laminate flooring and feature spacious walk-in closets. The primary suite serves as a peaceful retreat, complete with an en-suite bathroom boasting a double vanity, a handy linen closet, and a shower enclosure with a sliding glass door. The second bedroom has quick access to the guest bathroom, which features a single vanity and a classic tub/shower combo. Adding to the home's utility is an indoor laundry room equipped with an included washer and dryer, alongside a built-in desk and extra cabinetry for storage. Outside, the property features a single carport and a spacious storage room for your tools and gear.
The true highlight of this property lies just out back, where a gentle grass slope leads right to your private wooden boat dock, allowing you to fish or launch a boat directly from your own backyard. 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. As a resident of Floral Lakes, you will enjoy a vibrant community spirit and access to a stocked pond, community boat ramp, and a clubhouse packed with premium amenities—including a large heated swimming pool, putting green, shuffleboard, and a busy calendar of social clubs, dances, and potlucks. Please note that association approval is required for purchase. Don't miss this rare waterfront opportunity—call your Realtor today to schedule your private showing!

Features

  • Amenities: Clubhouse, Pool, Shuffleboard Court
  • Rooms: 8
  • Bedrooms: 2
  • Baths: 2 full
  • Lot Size: 50 x 99
  • Laundry: Inside, Laundry Room
  • Year Built: 1984
  • Heating: Central, Electric
  • Cooling: Central Air
  • Approx Sq. Feet: 1,274
  • Acreage: 0.11
  • Lot Size: 50 x 99
  • Est. Taxes: $2,562
  • HOA Fee: $105 Monthly
  • Adult Communities: Yes
  • Water Front: Yes
  • Pet Policy: Yes
  • Appliances: Dishwasher, Dryer, Range, Range Hood, Refrigerator, Washer
  • MLS#: B4902292
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/B4902292/2055sfloralavenue_bartow_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. (last updated 6/28/2026 3:58:54 AM)
Listing courtesy of FAITH AND FAMILY REALTY LLC   Phone: 863-535-6289

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NMLS Mortgage Loan Originator ID 16953

917.838.7300

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2055 S FLORAL AVENUE, #296, Bartow, FL, 33830

$165,000

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $132,000 $132,000 $132,000
Term 360 months 360 months 180 months
Initial Interest Rate** 5.990% 6.375% 5.625%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.370% 6.512% 5.866%
Monthly Tax Payment $214 $214 $214
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $791 $824 $1,087
Total Monthly Payment $1,080 $1,113 $1,376

* 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.