406 NW PHOSPHATE BOULEVARD, MULBERRY, FL, 33860
Pending10 days on marketListed Jul 24, 2026MLS #L4963672
About this home
406 NW PHOSPHATE BOULEVARD
Homes with this much character, original hardwood flooring, and an oversized yard are becoming increasingly difficult to find. This inviting 3-bedroom, 2-bath home combines timeless charm with the space and functionality today's buyers are looking for. Step inside to discover a spacious living and dining area featuring original hardwood floors, abundant natural light, and classic arched openings that add warmth and architectural character. The kitchen offers generous cabinet and countertop space with a convenient pass-through to the dining area, making everyday living and entertaining effortless. The oversized primary bedroom provides a comfortable retreat, while two additional bedrooms offer flexibility for family, guests, a home office, or hobbies. A large indoor laundry and mud room with exterior access offers exceptional convenience and additional storage. Outside, you'll find a generously sized backyard shaded by mature trees with plenty of room for entertaining, gardening, pets, or simply relaxing. A detached storage shed provides even more space for tools, lawn equipment, or seasonal storage. Conveniently located near schools, shopping, dining, and major roadways, this charming Mulberry home offers the perfect opportunity for first-time buyers, growing families, or anyone looking for a home with character, space, and endless potential.
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
1,192
Sqft
0.2 ac
Lot size
1932
Year built
One
Levels
$176
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.
$1,613 /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
$1,613/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.
vs edgeAI estimate
+12.9%
$/sqft vs Mulberry actives
$176 vs $186
Days on market
10 vs 29 typical
Where $176/sqft sits among the 86 Mulberry 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 Downtown Mulberry
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Mulberry. See the full Mulberry guide →
Downtown Mulberry — neighborhood snapshot
Population
211
Median age
40
Median income
$49,248
Median home value
$130,279
Avg household
3
Households w/ children
16%
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Mulberry market
$300K → $314K
Mulberry median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
47 of 86
Mulberry actives have cut their price
Median sold price, Mulberry, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 28% below the MULBERRY 33860 median. See the full Mulberry market guide →
Paper trail
This home's history
Reality check
What actually sold near 406 NW PHOSPHATE BOULEVARD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$33,000
405 NW 5TH AVENUE · same community
1 bd · 1.5 ba · 1,296 sqft · $25/sqft · 0 DOM
Sold · Jun ’26$170,200
702 NW 3RD STREET
2 bd · 1 ba · 1,200 sqft · $142/sqft · 16 DOM
Sold · Mar ’26$186,500
1107 NE 5TH STREET
3 bd · 2 ba · 1,215 sqft · $153/sqft · 97 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
Linda Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 406 NW PHOSPHATE BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 406 NW PHOSPHATE BOULEVARD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Linda's phone and CRM.
Straight answers
406 NW PHOSPHATE BOULEVARD FAQs
What would the monthly payment be for 406 NW PHOSPHATE BOULEVARD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,613/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 406 NW PHOSPHATE BOULEVARD?+
The most recent tax bill on record (2025) was $1,487. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Mulberry?+
At $210,000, this home is listed about 33% below the Mulberry median of $312,500. The market section on this page shows how the area is trending.
Which schools are assigned to 406 NW PHOSPHATE BOULEVARD?+
Purcell Elementary School (elementary), Mulberry Middle School (middle), Mulberry Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Daniel McFee. MLS #L4963672.
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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