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$179,900

2055 S FLORAL AVENUE UNIT 262, BARTOW, FL 33830

3D Tour
Active110 days on market

Beds

2

Baths

2

Sq Ft

1,560 sq ft

Year Built

1983

Lot Size

0.12 acres

Garage

,

About This Property

Welcome to your ideal waterfront retreat in Bartow’s premier 55+ Floral Lakes community! Situated directly on Boca Cove, this move-in-ready 2-bedroom, 2-bathroom manufactured home offers the ultimate perk of true land ownership, meaning you own your land with no lot rent and low monthly HOA fees. Built for comfort and efficiency, the home features energy-saving double-paned windows and sliding doors, a newer A/C unit, and a durable metal roof. Inside, the heart of the home is a spacious kitchen equipped with an island cooktop, built-in oven, dishwasher, a handy breakfast bar, and plenty of cabinetry for all your pantry needs. A separate dining area features a built-in lighted china hutch, flowing naturally into a large living room where sliding glass doors open directly into a comfortable, air conditioned enclosed Florida room. Designed with a desirable split-bedroom layout for maximum privacy, the primary suite serves as a peaceful escape, boasting its own sliding glass door to the Florida room, double vanities, double linen closets, and a fiberglass shower. On the opposite side of the home, the second bedroom features an oversized walk-in closet and en suite access to the guest bathroom, which includes a large vanity and a classic tub/shower combo. Conveniently located just off the kitchen, the dedicated laundry area comes complete with a utility tub, washer, and dryer. Outside, the property is highly accessible, featuring a double carport equipped with a wheelchair lift for easy entry, a functional workshop/storage room, and an additional screened storage area tucked away in the rear. The standout feature of this property is the spacious private wooden dock out back, giving you the perfect spot to fish Boca Cove or park your boat right at home. Located in the heart of 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. Residents of Floral Lakes enjoy 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 packed calendar of social clubs, dances, and potlucks. Please note that association approval is required for purchase. Don't miss this exceptional waterfront opportunity—call your Realtor today to schedule your private showing!

Property Overview

Property TypeResidential
Sub TypeManufactured Home
MLS #B4902291
StatusActive
Year Built1983
Total Rooms3
ConstructionMetal Frame
RoofMetal
FoundationCrawlspace
FacesEast
SubdivisionFLORAL LAKES
CountyPolk
OwnershipFee Simple

Interior Features

InteriorAccessibility Features, Built-in Features, Ceiling Fan(s), Eating Space In Kitchen, Split Bedroom, Walk-In Closet(s)
FlooringLuxury Vinyl
AppliancesBuilt-In Oven, Cooktop, Dishwasher, Dryer, Microwave, Refrigerator, Washer
LaundryInside
WindowsDouble Pane Windows
CoolingCentral Air, Wall/Window Unit(s)
HeatingCentral, Electric

Exterior & Lot

ExteriorStorage
Lot Size0.12 acres (5,175 sq ft)
Lot Dimensions90 x 57
Road SurfaceAsphalt
0

Waterfront

WaterfrontYes
FeaturesLake, Lake Front

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesElectricity Connected, Sewer Connected

Parking

GarageNo
CarportYes

HOA & Community

HOAYes
HOA Fee$105 / Monthly
Senior CommunityYes

Financial Details

List Price$179,900
Annual Taxes$2,875 (2025)
ZoningPUD
Parcel #253018429920002620

Directions

From the intersection of Hwy 60 and US 98 in Bartow, head south on Shumate Dr to Clower St. Take a right on Clower St, left on Floral Ave. Enter Floral Lakes community. Follow signage to desired Lot.

Location

2055 S FLORAL AVENUE UNIT 262, BARTOW, FL 33830

Listing Information

OfficeFAITH AND FAMILY REALTY LLC
ListedJune 18, 2026

Schedule a Tour

Pick a Day

Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$179,900

20% ($35,980)
6.75%

Loan Term

Principal & Interest$933
Property Tax (est.)$165
Insurance (est.)$150
Total Monthly$1,248
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How to Buy This Home

Multiple financing options available for this $179,900 home in BARTOW.

🏛️

FHA Loan

$6,297 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$8,995 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Polk County SHIP

Varies

Income-qualifying Polk residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee, just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. IDX information is provided exclusively 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. Data last updated: September 17, 2026.

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