$419,000
109 NE 4TH AVENUE, MULBERRY, FL 33860
Beds
3
Baths
3
Sq Ft
3,153 sq ft
Year Built
1990
Lot Size
6.93 acres
Garage
1
About This Property
NEW PRICE! WATERFRONT HIDDEN GEM! Imagine waking up every day to sparkling water views, peaceful surroundings, and the perfect place to create lifelong memories. This beautiful waterfront property now the perfect time to make your move! Wildlife, Boat Days, Sunset Nights! Repositioned for the new owners! MAIN HOME, GUEST HOUSE AND WATER! Discover a truly unique triple-level retreat designed for privacy, nature, and year-round outdoor living. A long private drive leads to this secluded sanctuary surrounded by sparkling water and abundant wildlife living. The main residence features 3 bedrooms and 2.5 baths, with expansive windows, skylights, and multiple living areas capturing breathtaking water views. The chef’s kitchen offers generous workspace and a sun-filled eat-in nook overlooking the water. A bright sunroom extends the living space, perfect for relaxing or entertaining. The main level includes a formal dining room with built-in shelving (ideal as a study), half bath, and a large interior utility/storage room that can also function as a home office. The lower level hosts the family room/den and the primary suite, both offering direct water access and waterfront views. Upstairs are two spacious bedrooms, a guest bath, and additional attic storage. A separate guest home at the front of the property—currently under renovation—offers excellent flexibility for multi-generational living, guests, or income potential, while maintaining privacy between residences. Ideal for fishing, kayaking, canoeing, and enjoying the outdoors, with room for boats, RVs, and recreational toys. Conveniently located near shopping and dining, with Mulberry Dock & Park adjacent to the property. Own a private waterfront estate—schedule your private showing today.
Property Overview
Interior Features
Exterior & Lot
Waterfront
Utilities
Parking
HOA & Community
Financial Details
Directions
From E State Road 60 W, take a left onto NE 4th Ave and the home will be down a driveway on your right-hand side.
Location
109 NE 4TH AVENUE, MULBERRY, FL 33860
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$419,000
Loan Term
How to Buy This Home
Multiple financing options available for this $419,000 home in MULBERRY.
🏛️
FHA Loan
$14,665 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
$20,950 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: July 25, 2026.