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$229,900

620 2ND STREET, POLK CITY, FL 33868

3D Tour

Active68 days on market

Beds

Baths

Sq Ft

1,012 sq ft

Year Built

1971

Lot Size

0.52 acres

Garage

—

About This Property

Welcome to this charming 3-bedroom, 2-bathroom single-family home located at 620 2nd St in the heart of Polk City, FL. Offering 1,012 sq. ft. of living space, this residence boasts a bright and open-concept layout with stylish light wood-tone LVP flooring, a neutral color palette, and abundant natural light. The beautifully appointed kitchen is equipped with crisp white shaker cabinets, sleek black hardware, modern white countertops, and a striking black faucet, flowing seamlessly into a spacious living and dining area perfect for everyday living and entertaining guests. A versatile enclosed sunroom/flex space with plush carpeting offers a cozy indoor retreat, while the dedicated utility room provides convenient laundry hookups. Step outside onto the inviting wooden front deck to enjoy the Florida breeze, or take advantage of the generous lot size with mature trees and plenty of outdoor space. Perfectly situated close to local schools, parks, and offering easy access to major routes between Lakeland and Orlando, this move-in-ready home is ready for its next chapter.

Property Overview

Property TypeResidential

Sub TypeSingle Family Residence

MLS #TB8503756

StatusActive

Year Built1971

Stories1

Total Rooms3

ConstructionVinyl Siding, Wood Frame

RoofShingle

FoundationConcrete Perimeter

FacesSouth

SubdivisionOAKRIDGE HEIGHTS

CountyPolk

OwnershipFee Simple

Interior Features

InteriorOpen Floorplan, Solid Surface Counters

FlooringCarpet, Luxury Vinyl

AppliancesNone

LaundryInside, Laundry Room

CoolingCentral Air

HeatingElectric

Exterior & Lot

ExteriorOther

Lot Size0.52 acres (22,499 sq ft)

Road SurfaceAsphalt

Utilities

WaterPublic

SewerPublic Sewer

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

Parking

GarageNo

HOA & Community

HOANo

Senior CommunityNo

Financial Details

List Price$229,900

Original Price$250,000

Annual Taxes$1,838 (2025)

FinancingCash, Conventional, FHA, VA Loan

ZoningR-2

Parcel #252632296000005050

Directions

From I-4 take exit 38 and head north on FL-33 toward Polk City, Turn left onto Pine Ave. Home will be on your left.

Location

620 2ND STREET, POLK CITY, FL 33868

Listing Information

OfficeREDFIN CORPORATION

ListedMay 1, 2026

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Pick a Day

Preferred Time

Home Price

$229,900

Down Payment20% ($45,980)

Interest Rate6.75%

Loan Term

Principal & Interest$1,193

Property Tax (est.)$211

Insurance (est.)$150

Total Monthly$1,554

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How to Buy This Home

Multiple financing options available for this $229,900 home in POLK CITY.

🏛️

FHA Loan

$8,047 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

$11,495 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.

Full Calculator →First-Time Buyer Guide →VA Loan Guide →

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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 8, 2026.