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$165,000

2055 S FLORAL AVENUE UNIT 296, BARTOW, FL 33830

3D Tour
Active110 days on market

Beds

2

Baths

2

Sq Ft

1,274 sq ft

Year Built

1984

Lot Size

0.11 acres

Garage

,

About This Property

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!

Property Overview

Property TypeResidential
Sub TypeManufactured Home
MLS #B4902292
StatusActive
Year Built1984
Total Rooms8
ConstructionMetal Frame, Vinyl Siding
RoofMembrane
FoundationCrawlspace
FacesSouth
SubdivisionFLORAL LAKES
CountyPolk
OwnershipFee Simple
FurnishedFurnished

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, Walk-In Closet(s)
FlooringLaminate
AppliancesDishwasher, Dryer, Range, Range Hood, Refrigerator, Washer
LaundryInside, Laundry Room
CoolingCentral Air
HeatingCentral, Electric

Exterior & Lot

ExteriorRain Gutters, Storage
Lot Size0.11 acres (4,983 sq ft)
Lot Dimensions50 x 99
Road SurfaceAsphalt
0

Waterfront

WaterfrontYes
FeaturesLake, Lake Front

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesElectricity Connected, Sewer Connected, Water Connected

Parking

GarageNo
CarportYes

HOA & Community

HOAYes
HOA Fee$105 / Monthly
Senior CommunityYes

Financial Details

List Price$165,000
Annual Taxes$2,562 (2025)
ZoningPUD
Parcel #253018429920002960

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 296, BARTOW, FL 33830

Listing Information

OfficeFAITH AND FAMILY REALTY LLC
ListedJune 18, 2026

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Pick a Day

Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$165,000

20% ($33,000)
6.75%

Loan Term

Principal & Interest$856
Property Tax (est.)$151
Insurance (est.)$150
Total Monthly$1,157
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How to Buy This Home

Multiple financing options available for this $165,000 home in BARTOW.

🏛️

FHA Loan

$5,775 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

$8,250 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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