Active
$259,000
Est. $1,770/mo

1050 Captiva Pt, Lakeland, FL, 33801

$130/sqft·Secret Cove Homeowners Association

4 bd4 ba1,985 sqftDuplex
Listed by HOMESTEAD REALTY INC· Last updated · MLS# O6393024

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Est. monthly payment
$1,770/mo
Down payment (20%)
$51,800
Property taxes
$281/mo
HOA
$100/yr
Rate assumed
6.8% · 30 yr
View full breakdown

At a glance

Multi-family
Built 1981
5,776 sqft lot
Lot size
1,985 sqft
Living area

About this home

Ceiling Fans(s)Living Room/Dining Room ComboWalk-in Closet(s)FencePrivate MailboxSidewalkStreet Lights

1050 Captiva Pt is a 1981-built home in Secret Cove Homeowners Association, Lakeland. Inside you'll find 4 bedrooms, 4 bathrooms, and 1,985 square feet of living space. Listed at $259,000 (about $130/sqft), 95 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $100 annually.

From the listing

This investment or starter property is available for purchase in its current (AS-IS) condition. It is a duplex located within the Secret Cove subdivision, conveniently positioned near Reynolds Road. The front unit offers two bedrooms and two bathrooms, while the rear unit provides two bedrooms and one-and-a-half bathrooms. Utility costs, including electricity and water, are the responsibility of the tenants. Currently, the front unit is occupied by a long-term tenant on a month-to-month lease, whereas the rear unit is vacant. Notable improvements include a new roof installed in March 2021 and both air conditioning systems replaced approximately six years ago. Both units feature fully tiled interiors for ease of maintenance. For further information or to arrange a viewing, please contact us, thank you.

The essentials

Built
1981
Price / sqft
$130
On market
174 days
Annual tax
$3,372
HOA
$100/yr
Flood zone
X · Low risk
Lot
5,776 sqft
Type
Duplex

Location

1050 Captiva Pt
Lakeland, FL, 33801·33801 - Lakeland
Type
Duplex
Year Built
1981
Lot
5,776 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
174
Ceiling Fans(s)
Living Room/Dining Room Combo
Walk-in Closet(s)
Fence
Private Mailbox
Sidewalk
Street Lights
Homestead exemption on fileFlood Zone X

Annual Tax (2025)

$3,372

Parcel #

24-28-22-000000-021033

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

Secret Cove Homeowners Association

County

Polk

MLS Area

33801 - Lakeland

Lot Size

5,776 sqft

HOA
$100/yr
Patrick Matthews
Date
Event
Price
4/27/2026
Price change
Source: Stellar MLS #O6393024
$259,000-3.7%
$130/sqft
3/24/2026
Listed for sale
Source: Stellar MLS #O6393024
$269,000
$136/sqft
Est. monthly payment$1,770/mo
Principal & interest$1,351
Property taxes$281
Insurance$130
HOA$8
Down payment20% · $51,800
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $259,000
$257,500 – $259,000
99.5% – 100% of listTops out right at the list price
80% of listList price
80 of the last 131 home closings in 33801 landed at this number or higher (61%). The median one sat 23 days before it went under contract, and this one is on day 174 after a $10,000 cut.

Sample: 131 closed home sales in 33801 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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