412 BAY STREET NW, FORT MEADE, FL, 33841
Active468 days on marketListed May 7, 2025MLS #O6306308
About this home
412 BAY STREET NW
Investment Property with Exceptional Cash Flow! Don't miss this beautifully renovated single-family home featuring a fully equipped in-law suite—each side with separate entrances and meters, making it perfect for dual rental income. Recent upgrades include brand new flooring throughout, fresh modern paint, and tasteful finishes that give the home a bright, updated look. The main unit and in-law suite can be rented separately, maximizing income potential. Whether you're an investor seeking strong cash flow or a homeowner looking to offset your mortgage, this property is a rare find. With low maintenance needs and excellent rental appeal, this is a high-performing asset you’ll want in your portfolio! Note -property needs work . Cash purchase only .
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,774
Sqft
0.19 ac
Lot size
1940
Year built
One
Levels
$73
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$1,178 /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
$1,178/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. 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 Fort Meade actives
$73 vs $188
Days on market
468 vs 49 typical
Where $73/sqft sits among the 25 Fort Meade 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 Fort Meade
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Fort Meade. See the full Fort Meade guide →
FORT MEADE 33841 — neighborhood snapshot
Population
8,268
Median age
39.7
Median income
$39,608
Median home value
$138,700
Avg household
2.7
Households w/ children
1,018
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Fort Meade market
$248K → $240K
Fort Meade median sold, yr/yr
95.5%
Sale-to-list ratio (12 mo)
13 of 25
Fort Meade actives have cut their price
Median sold price, Fort Meade, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 40% below the FORT MEADE 33841 median. See the full Fort Meade market guide →
Paper trail
This home's history
Reality check
What actually sold near 412 BAY STREET NW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$349,900
721 NE 4TH STREET
4 bd · 3 ba · 1,800 sqft · $194/sqft · 53 DOM
Sold · Dec ’25$310,000
714 VOIGHT AVENUE N
3 bd · 2 ba · 1,733 sqft · $179/sqft · 130 DOM
Sold · Sep ’25$105,000
608 N CLEVELAND AVENUE
4 bd · 2 ba · 1,724 sqft · $61/sqft · 52 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
Arthur Middleton
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 412 BAY STREET NW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 412 BAY STREET NW — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Arthur's phone and CRM.
Straight answers
412 BAY STREET NW FAQs
What would the monthly payment be for 412 BAY STREET NW?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,178/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 412 BAY STREET NW?+
The most recent tax bill on record (2024) was $2,339. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 412 BAY STREET NW?+
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 Fort Meade?+
At $129,999, this home is listed about 51% below the Fort Meade median of $267,500. The market section on this page shows how the area is trending.
Which schools are assigned to 412 BAY STREET NW?+
Alturas Elementary School (elementary), Bartow Middle School (middle), Bartow Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the FORT MEADE 33841 market on paper
$129,999 is 40% below the FORT MEADE 33841 median of $215,000, and at $73/sqft it sits under the Fort Meade average of $252.
02Time on market is leverage
468 days on market against a Fort Meade median of 49 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $225,000, now $129,999 — a $95K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of FUTURE HOME REALTY INC · Constantin Florean. MLS #O6306308.
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.
Never miss a listing
New Fort Meade homes, in your inbox
Like 412 BAY STREET NW but not quite? A daily digest of every new listing in Fort Meade — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Arthur to ping you on any price or status change →