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$239,900

409 MONTGOMERY AVENUE, LAKELAND, FL 33801

3D Tour
Active82 days on market

Beds

3

Baths

2

Sq Ft

1,366 sq ft

Year Built

1960

Lot Size

0.27 acres

Garage

—

About This Property

Spacious one-story home located in the established Cloverdale neighborhood of Lakeland. This 3-bedroom, 2-bathroom home offers a functional layout with plenty of potential to make it your own. The dining room and bedrooms feature wood flooring, while the spacious living room is finished with durable ceramic tile flooring. The kitchen offers ample cabinet storage and workspace for everyday living. Relax with your morning coffee or unwind in the screened patio overlooking the fenced backyard, providing a great space for outdoor enjoyment. A storage shed offers additional room for tools, lawn equipment, or hobbies. Whether you're a first-time homebuyer, investor, or someone looking to add your own personal touches, this property presents an excellent opportunity to create your ideal living space. Conveniently located near shopping, dining, schools, and major roadways. Schedule your private showing today and discover the possibilities this Lakeland home has to offer before it's gone!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #S5154269
StatusActive
Year Built1960
Stories1
Total Rooms6
ConstructionBlock
RoofShingle
FoundationSlab
FacesEast
SubdivisionCLOVERDALE SUBDIVISION
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s)
FlooringCeramic Tile, Hardwood
AppliancesDishwasher, Electric Water Heater, Range, Refrigerator
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorOther
FencingChain Link, Fenced
Other StructuresShed(s)
Lot Size0.27 acres (11,700 sq ft)
Lot Dimensions90 x 130
Road SurfacePaved, Asphalt
0

Utilities

WaterPublic
SewerSeptic Tank
UtilitiesPublic

Parking

GarageNo
CarportYes

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$239,900
Original Price$275,000
Annual Taxes$3,557 (2025)
FinancingCash, Conventional
ZoningSFR
Parcel #242820239200000020

Schools

ElementaryPhilip O’Brien Elementary
MiddleCrystal Lake Middle/Jun
HighLakeland Senior High

Directions

Take Route 98 to Lake Parker S. Turn North to Lime Street turn right to Montgomery Ave turn right to address.

Location

409 MONTGOMERY AVENUE, LAKELAND, FL 33801

Listing Information

OfficeREALTYCITY INC
ListedJuly 23, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$239,900

20% ($47,980)
6.75%

Loan Term

Principal & Interest$1,245
Property Tax (est.)$220
Insurance (est.)$150
Total Monthly$1,615
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $239,900 home in LAKELAND.

🏦

Conventional

$11,995 Down

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

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: October 13, 2026.

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