$225,000
515-525 Cummings Street
Lake Alfred, FL 33850
Listing updated: June 9, 2026 at 3:53 PM ET
Property type
Year built
Lot size
Price / sq ft
HOA dues
Days on market
Flood zone
About this home
2019 Roof! NO HOA!! FHA/VA loan friendly! This duplex offers a rare combination of stability and flexibility, making it an ideal opportunity for both investors and owner-occupants alike. One unit is currently leased through February 28, 2027, while the second unit is on a month-to-month agreement with the tenant open to signing a new lease. Whether you are looking to expand your portfolio with reliable cash flow, house-hack by living in one unit while renting the other, Both units feature separate electric meters to minimize expenses, and the seller covers water at an average cost of less than $75 per month. With no HOA, there is room to bring your RV, boat, or trailer. Nearby outdoor amenities for Lake Swoope include a public boat ramp, boardwalk, and picnic areas. You are also less than 0.5 miles from Lions Park, which features a public boat ramp for Lake Alfred, a 700-acre freshwater lake, and the property is under 7 miles to I-4 for easy access to Tampa, Orlando, and Davenport’s Posner Park, a vibrant 80 acre retail hub with with Shopping, Restaurants and Entertainment including big brand anchor stores such as Target, Petsmart, Dicks Sporting Goods, Best Buy, Hobby Lobby, HomeGoods, Michaels, Books-A-Million, BJs Wholesale club, Cinepolis IMAX Theater and soooo much more. This is a versatile investment you will not want to miss. Schedule your private showing today!
Estimated monthly payment
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 history7 days on market
- Status: PendingMay 4, 2026
- Listed$225,000Apr 25, 2026
- Price increased$225,000
Facts & features
- Property type
- Residential Income
- Sub type
- Duplex
- Status
- Pending
- Days on market
- 7
- Subdivision
- Codington Lake Alfred
- County
- Polk
- Year built
- 1938
- Living area
- 1,064 sq ft
- Price/sq ft
- $211
- Lot size
- 6,996 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- x
- Annual taxes
- $3,105 (2025)
- Parcel #
- 26-27-32-503000-047045
- Zoning
- R-1A
- MLS #
- P4938536
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Interior Details
- Bedrooms
- 2
- Appliances
- Dishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
- Interior features
- Ceiling Fans(s), Eat-in Kitchen, Open Floorplan
- Laundry
- Outside
- Stories / Levels
- One
- Fireplace
- Yes
Heating & Cooling
- Heating
- Central
- Cooling
- Central Air
HOA & Financial
- Total monthly fees
- $0/mo
- Total annual fees
- $0
- CDD
- No
- Listing terms
- Cash, Conventional, FHA, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Additional lease restrictions
- Seller is unaware of restrictions. There is no HOA, buyer should check with the County/City regarding any questions they have regarding restrictions prior to putting in an offer.
Exterior & Construction
- Exterior features
- Private Entrance
- Construction materials
- Concrete
- Roof
- Shingle
- Foundation
- Crawlspace
- Road surface
- Paved
Utilities
- Sewer
- Septic Tank
- Water source
- Public
- Utilities
- Electricity Connected, Water Connected
Community
- Pets allowed
- Cats OK, Dogs OK, Yes
Listing Details
- Listing date
- 2026-04-17
- On market date
- 2026-04-25
- Original list price
- $225,000
- MLS area
- 33850 - Lake Alfred
- Listing AOR
- Orlando Regional
- Status changed
- 2026-05-04
- Tax legal description
- CODINGTON PB 1 PG 61 BLK 47 LOT 4 E 58.7 FT OF S 119.27 FT
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
From I-4 exit 48 head South on CR 557 for about 6 miles and then turn right on W. Cummings St. Arrive at 515 West Cummings St.
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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 June 9, 2026 at 3:53 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