109 JAMES CIRCLE, LAKE ALFRED, FL, 33850
Active2 days on marketListed Jul 23, 2026MLS #TB8532083
About this home
109 JAMES CIRCLE
Virtually Staged. Virtually Staged. NEW STAINLESS STEAL APPLIANCES INSTALLED----In this rental you will enjoy a large PRIVACY FENCED yard, SCREENED PATIO and recently painted inside and out! The kitchen is the center of the home with lots of cabinets and counterspace. The master bedroom is large - plenty of space for a king bed and furniture with DOUBLE LARGE WALK IN CLOSETS, GARDEN TUB & double vanities. All solid surface flooring throughout the home - No Carpet at all & professionally cleaned to welcome you to your new home. The laundry is a separate room in the home and you dont "pass thru" it when going to the garage to keep this space private. There is also a flex space at the front of the home that could work well as an office or even 4th bedroom. Great location only minutes from I-4 or Winter Haven with 300+ large lakes within minutes to enjoy the Florida sunshine. Great location near major highways for easy. Call today to schedule your tour. Tenant occupied -appointment only available September 1, 2026.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,538
Sqft
0.16 ac
Lot size
2
Garage
2018
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$174 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$174/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Lake Alfred actives
$1 vs $192
Days on market
2 vs 61 typical
Where $1/sqft sits among the 102 Lake Alfred actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Lake Alfred
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Lake Alfred. See the full Lake Alfred guide →
LAKE ALFRED 33850 — neighborhood snapshot
Population
9,825
Median age
43.5
Median income
$53,877
Median home value
$215,700
Avg household
2.49
Households w/ children
1,055
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Lake Alfred market
$320K → $349K
Lake Alfred median sold, yr/yr
98.2%
Sale-to-list ratio (12 mo)
43 of 102
Lake Alfred actives have cut their price
Median sold price, Lake Alfred, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the LAKE ALFRED 33850 median. See the full Lake Alfred market guide →
Paper trail
This home's history
Reality check
What actually sold near 109 JAMES CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$260,000
109 JAMES CIRCLE · same community
3 bd · 2 ba · 1,538 sqft · $169/sqft · 112 DOM
Sold · Oct ’25$300,000
913 INVERNESS WAY
3 bd · 2 ba · 1,545 sqft · $194/sqft · 40 DOM
Sold · Jun ’26$240,000
260 W HARBORD STREET
3 bd · 2 ba · 1,560 sqft · $154/sqft · 20 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 109 JAMES CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 109 JAMES CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
109 JAMES CIRCLE FAQs
What would the monthly payment be for 109 JAMES CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $174/mo — principal and interest, estimated property taxes and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
Are pets allowed at 109 JAMES CIRCLE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Lake Alfred?+
At $1,895, this home is listed about 99% below the Lake Alfred median of $334,995. The market section on this page shows how the area is trending.
Which schools are assigned to 109 JAMES CIRCLE?+
Walter Caldwell Elementary School (elementary), Auburndale Senior High School (high), Lake Alfred Polytech Academy (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of HOME RENTAL FLORIDA · Amire Pedraza. MLS #TB8532083.
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 is deemed reliable but is not guaranteed accurate by Stellar MLS.
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