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409 Montgomery Ave, Lakeland, FL, 33801

$190/sqft·Cloverdale

3 bd2 ba1,366 sqftSingle Family
Listed by REALTYCITY INC· Last updated · MLS# S5154269

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Est. monthly payment
$1,779/mo
Down payment (20%)
$51,900
Property taxes
$296/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 1960
0.27 acres
Lot size
1,366 sqft
Living area

About this home

Ceiling Fans(s)DishwasherElectric Water HeaterRangeRefrigerator

409 Montgomery Ave is a 1960-built home in Cloverdale Subdivision, Lakeland. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,366 square feet of living space. Listed at $259,500 (about $190/sqft), 37 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

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!

The essentials

Built
1960
Price / sqft
$190
On market
53 days
Annual tax
$3,557
Flood zone
X · Low risk
Lot
11,700 sqft
Type
Single Family Residence

Location

409 Montgomery Ave
Lakeland, FL, 33801·33801 - Lakeland
Type
Single Family Residence
Year Built
1960
Lot
11,700 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway
Days on Market
53
Ceiling Fans(s)
Dishwasher
Electric Water Heater
Range
Refrigerator

Elementary

Philip O’Brien Elementary

Middle

Crystal Lake Middle/Jun

High

Lakeland Senior High

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X

Annual Tax (2025)

$3,557

Parcel #

24-28-20-239200-000020

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

Cloverdale Subdivision

County

Polk

MLS Area

33801 - Lakeland

Lot Size

11,700 sqft

Paved
Date
Event
Price
8/30/2026
Price change
Source: Stellar MLS #S5154269
$259,500-2.1%
$190/sqft
Price change
Source: Stellar MLS #S5154269
$265,000-3.6%
$194/sqft
7/23/2026
Listed for sale
Source: Stellar MLS #S5154269
$275,000
$201/sqft
Est. monthly payment$1,780/mo
Principal & interest$1,353
Property taxes$296
Insurance$130
Down payment20% · $51,900
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%. 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: $259,500
$257,500 – $259,500
99.5% – 100% of listTops out right at the list price
80% of listList price
80 of the last 130 home closings in 33801 landed at this number or higher (62%). The median one sat 22 days before it went under contract, and this one is on day 53 after a $15,500 cut.

Sample: 130 closed home sales in 33801 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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