109 4th Avenue, FL

$439,000

109 4th Avenue

Mulberry, FL 33860

Active
3
Beds
3
Baths
3,153
Sq Ft
6.93
Acres
1990
Built
WaterfrontWater accessIn-law suiteFireplace6.93 acres$139/sqft360° tour
Single Family Residence

Property type

1990

Year built

301,888 sqft

Lot size

$139

Price / sq ft

No HOA

HOA dues

153

Days on market

1

Garage space

AE

Flood zone

About this home

NEW PRICE AND NEW WATERFRONT OPPORTUNITY! Florida waterfront private living just became More Attainable! Wake Up to Water Views and Wildlife, Boat Days, Sunset Nights! Repositioned for the new owners! RARE WATERFRONT ESTATE ON NEARLY 7 ACRES | MAIN HOME + GUEST HOUSE Discover a truly unique triple-level waterfront retreat offering nearly 7 private acres of land and water, designed for privacy, nature, and year-round outdoor living. A long private circular drive leads to this secluded sanctuary surrounded by sparkling water and abundant wildlife. 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. A rare opportunity to own a private waterfront estate—schedule your private showing today.

Estimated monthly payment

Principal & interest$2,220
Property taxes$528
Home insurance (est.)$201

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history153 days on market

  1. Status: Active
    Apr 1, 2026
  2. Listed$499,000
    Nov 8, 2025
  3. Price reduced$439,000

Virtual Tour

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
153
Subdivision
L N Pipkins Add
County
Polk
Year built
1990
Living area
3,153 sq ft
Price/sq ft
$139
Building area
3,693 sq ft (Owner)
Lot size
301,888 sq ft
Lot category
5 to less than 10
Flood zone
AE (12105C0490G)
Garage
1 spaces
Annual taxes
$6,330 (2024)
Parcel #
23-30-01-000000-044150
Zoning
IND
MLS #
L4957046

Interior Details

Bedrooms
3
Full bathrooms
2
Half bathrooms
1
Flooring
Laminate, Linoleum, Parquet, Wood
Appliances
Dishwasher, Disposal, Range, Range Hood, Refrigerator
Interior features
Built-in Features, Ceiling Fans(s), Central Vaccum, Eat-in Kitchen, Thermostat, Walk-In Closet(s)
Laundry
Inside, Laundry Room
Stories / Levels
Three Or More
Direction faces
West
Fireplace
Yes
In-law suite
Yes

Heating & Cooling

Heating
Central, Electric
Cooling
Central Air

Parking

Garage spaces
1
Attached garage
Yes
Parking features
Circular Driveway, Driveway, Garage, Workshop in Garage

HOA & Financial

Total monthly fees
$0/mo
Total annual fees
$0
CDD
No
Min lease term
No Minimum
Listing terms
Cash, Conventional, FHA, USDA Loan, VA Loan
Ownership
Fee Simple
Available for lease
Yes
Lease restrictions
No

Exterior & Construction

Exterior features
Storage
Construction materials
Vinyl Siding, Frame
Roof
Metal
Foundation
Slab
Waterfront
Yes
Water access
Yes
Water view
Yes
Road surface
Concrete, Gravel

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
BB/HS Internet Available, Cable Available, Public

Room Details

RoomLevelDimensions
Primary BedroomFirst17x14
Bedroom 2Third17x15
Bedroom 3Third18x15
KitchenSecond13x18
Living RoomSecond29x17
LibraryFirst17x13
Dining RoomSecond18x13
LaundrySecond12x13

Listing Details

Listing date
2025-11-08
On market date
2025-11-08
Original list price
$499,000
Occupant type
Owner
MLS area
33860 - Mulberry
Listing AOR
Lakeland
Status changed
2026-04-01
Tax legal description
BEG SE COR OF LOT 10 BLK 8 OF L N PIPKINS ADD RUN E 605 FT N 300 FT E 10 FT FOR BEG RUN N 320 FT E 691PT43 FT S 320 FT W 100 FT S 300 FT W 401PT43 FT N 300 FT W 190 FT TO BEG LESS HWY R/W & LESS BEG SW COR OF LOT 13 BLK F MULBERRY HTS RUN W 501.43 FT N 300 FT TO POB RUN W 190 FT N 160 FT E 190 FT S 160 FT TO POB

Flood risk

High riskFEMA Zone AEPanel 12105C0490G

FEMA Special Flood Hazard Area (1% annual-chance / “100-year” floodplain). Flood insurance is generally required by mortgage lenders.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

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.

More homes like this

MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

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.

Based on information submitted to the MLS GRID as of May 12, 2026 at 7:16 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA