446 PINE LOOP, FROSTPROOF, FL, 33843
Active156 days on marketListed Feb 13, 2026MLS #TB8476060
About this home
446 PINE LOOP
Beautifully Remodeled 2-Bedroom, 2-Bath Home in Lily Lake Golf & RV Resort Step into this fully remodeled, move-in-ready gem where every inch has been thoughtfully updated within the last four years. Bright, airy, and beautifully finished, this home offers effortless Florida living — whether you’re here year-round or escaping the winter snow. --- Interior Highlights Open, Light-Filled Living Spaces • Warm, inviting layout with abundant natural light • Fresh, modern finishes throughout • Enclosed Florida room expands your living space and creates the perfect spot for morning coffee or relaxing evenings Updated, Spacious Kitchen • Completely remodeled with generous cupboard and counter space • All new appliances installed within the last four years • New countertops and flooring for a clean, modern look • Bright, functional, and perfect for entertaining Two Beautifully Updated Bathrooms • Both bathrooms offer a spa-like, calming atmosphere • Main bathroom fully remodeled with elegant finishes • Guest bathroom tastefully updated to match the home’s fresh, modern style • Two comfortable, well-designed bedrooms with great natural light • Neutral tones and updated finishes create a peaceful retreat --- Exterior & Outdoor Living Pavers Completely Surround the Home • Installed within the last three years • Wraparound paver walkway plus a beautiful back patio • Low-maintenance, clean, and perfect for outdoor living Back Patio Oasis • A wonderful place to relax, entertain, or enjoy happy hour • Plenty of room for outdoor seating, plants, and gatherings • Ideal for watching the seasonal golf cart parades roll by — or joining in the fun yourself Major Upgrades for Peace of Mind • New AC within the last three years • New windows for improved efficiency and comfort • Fully remodeled interior — nothing left to do Why Buyers Love This Home • Completely gutted and remodeled — move-in ready with zero work needed • Bright, modern, and tastefully updated throughout • Fantastic outdoor living with full paver surround and a relaxing patio • Enclosed Florida room adds valuable extra space • Perfect for full-time living or a warm winter getaway All you need to bring are your clothes — the Florida sunshine and resort lifestyle are waiting.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
480
Sqft
0.07 ac
Lot size
1992
Year built
One
Levels
$350
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 and the real association fee — not generic estimates.
$1,557 /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
$1,557/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 Frostproof actives
$350 vs $196
Days on market
156 vs 48 typical
Where $350/sqft sits among the 56 Frostproof 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 Frostproof
Drive times from this address
Get to know Frostproof. See the full Frostproof guide →
FROSTPROOF 33843 — neighborhood snapshot
Population
11,072
Median age
53.4
Median income
$51,358
Median home value
$107,900
Avg household
2.45
Households w/ children
742
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Frostproof market
$220K → $245K
Frostproof median sold, yr/yr
96.1%
Sale-to-list ratio (12 mo)
25 of 56
Frostproof actives have cut their price
Median sold price, Frostproof, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 243% above the FROSTPROOF 33843 median. See the full Frostproof market guide →
Paper trail
This home's history
Reality check
What actually sold near 446 PINE LOOP
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$115,000
228 BIG PINE AVENUE S · same community
1 bd · 1 ba · 480 sqft · $240/sqft · 134 DOM
Sold · Apr ’26$128,000
178 LILY CREEK WAY · same community
1 bd · 1 ba · 499 sqft · $257/sqft · 159 DOM
Sold · May ’26$110,000
194 BIG PINE AVENUE S · same community
1 bd · 1 ba · 700 sqft · $157/sqft · 402 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
Wendolph Thony
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 446 PINE LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 446 PINE LOOP — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Wendolph's phone and CRM.
Straight answers
446 PINE LOOP FAQs
What would the monthly payment be for 446 PINE LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,557/mo — principal and interest, the actual property-tax bill, the $206/mo association fee 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.
How much are the HOA fees at 446 PINE LOOP?+
The association fee works out to $206 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 446 PINE LOOP?+
The most recent tax bill on record (2025) was $1,531. 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 446 PINE LOOP?+
The listing reports pets: No. 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 Frostproof?+
At $168,000, this home is listed about 39% below the Frostproof median of $274,950. The market section on this page shows how the area is trending.
Which schools are assigned to 446 PINE LOOP?+
Frostproof Ben Hill Griffin Junior Elementary School (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Robin Coleman. MLS #TB8476060.
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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