$425,000
SOLD SEP 15, 2025

1045 Caravan Loop Polk City, FL 33868

3 Beds
3 Baths
2,408 Sq Ft
9,352 Sq Ft Lot

Recently Sold

$176 Per Sq Ft

20% Below List Price

301 Days on Market

Highlights

  • Fitness Center
  • Active Adult
  • Pond View
  • Home fronts a pond
  • Gated Community
  • Clubhouse

About This Home

As of September 2025

MOTIVATED SELLER!
PRICE TO SELL!
Come see this beautiful property in the sought after community of Mt. Olive Shores North. This home has 3 bedrooms and 3 bathrooms with an open living room and dining room. Two of the bedrooms are on the main floor at opposite ends of the home. Each with it's own bathroom. The third bedroom is on the second level with it's own private bathroom and an extra loft area that is open to the living room below. The main living area has beautiful hardwood floors throughout. A lanai is off of the living room and has a great view of a pond. A/C in the lanai makes it comfortable all year long. The RV port is oversized at approximately 17' X 47'6" plus an additional car port with a shed. The roof was replaced in 2017 and the A/C in 2015. The home also features many extras like central vacuum, water softener and storm shutters to name a few.

The community features two clubhouses with many amenities including pickleball, shuffleboard, movie theatre, two pools and plenty of activities to keep you as busy as you would like to be. A social committee plans all of the larger events but there are plenty throughout the week as well.
This home is unoccupied and just waiting for you to call it home.

Call today for an appointment.

Last Agent to Sell the Property

Christine Stull

MOSN REALTY Brokerage Phone: 863-984-2880 License #3475849 Listed on: 09/19/2024

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $2,814

Year Built

  • Built in 1999

Lot Details

  • 9,352 Sq Ft Lot
  • Home fronts a pond
  • Southwest Facing Home

HOA Fees

  • $123 Monthly HOA Fees

Parking

  • 1 Carport Space

Home Design

  • Slab Foundation
  • Frame Construction
  • Shingle Roof

Interior Spaces

  • 2,408 Sq Ft Home
  • 2-Story Property
  • High Ceiling
  • Living Room
  • Loft
  • Pond Views
  • Hurricane or Storm Shutters

Kitchen

  • Cooktop
  • Dishwasher
  • Disposal

Flooring

  • Wood
  • Carpet
  • Ceramic Tile

Bedrooms and Bathrooms

  • 3 Bedrooms
  • 3 Full Bathrooms

Laundry

  • Laundry closet
  • Dryer
  • Washer

Eco-Friendly Details

  • Reclaimed Water Irrigation System

Outdoor Features

  • Exterior Lighting
  • Outdoor Storage

Utilities

  • Central Heating and Cooling System
  • Cooling System Mounted To A Wall/Window
  • Underground Utilities
  • Electric Water Heater
  • Water Softener

Listing and Financial Details

Community Details

Overview

  • Active Adult
  • Association fees include 24-Hour Guard, common area taxes, pool, ground maintenance
  • Mosaic Services Association, Phone Number (863) 874-4816
  • Mount Olive Shores North Subdivision
  • The community has rules related to building or community restrictions, deed restrictions, fencing, allowable golf cart usage in the community, vehicle restrictions
  • Community features wheelchair access
  • Handicap Modified Features In Community

Amenities

  • Clubhouse
  • Laundry Facilities
  • Community Storage Space

Recreation

  • Tennis Courts
  • Pickleball Courts
  • Shuffleboard Court
  • Fitness Center
  • Community Pool
  • Community Spa
  • Dog Park

Security

  • Security Guard
  • Gated Community

Home Details

Home Type

Single Family

Est. Annual Taxes

$2,814

Year Built

Built in 1999

Lot Details

0

HOA Fees

$123 per month

Listing Details

  • HOA Fee Includes: Guard - 24 Hour, Common Area Taxes, Pool, Maintenance Grounds
  • Property Type: Residential
  • Property Sub Type: Single Family Residence
  • Construction Materials: Frame
  • Fireplace: No
  • Living Area: 2408
  • Lot Size Acres: 0.21
  • New Construction: No
  • Year Built: 1999
  • Building Area Total: 3832
  • Lot Size Sq Ft: 9352
  • Status: Sold
  • Ownership: Fee Simple
  • Building Area Total Srch Sq M: 356.00
  • Escrow City: Lakeland
  • Escrow State: FL
  • Escrow Street Name: S. Florida Ave.
  • RATIO Current Price By Calculate: 176.50
  • Total Acreage: 0 to less than 1/4
  • Water Access YN: 0
  • MFR_InLawSuiteYN: 0
  • MFR_CommunityAssociationWaterFeatures: Dock,Lake,Private Boat Ramp,Waterfront
  • Attribution Contact: 863-984-2880
  • Tax Year: 2023
  • Special Features: VirtualTour

Interior Features

  • Living Area Units: Square Feet
  • Flooring: Wood
  • Full Bathrooms: 3
  • Interior Amenities: Central Vaccum, High Ceilings
  • Appliances Included: Cooktop, Dishwasher, Disposal, Dryer, Electric Water Heater, Refrigerator, Washer, Water Softener
  • Foundation Details: Slab
  • Total Bedrooms: 3
  • Levels: Two
  • Other Equipment: Irrigation Equipment
  • Stories: 2
  • Additional Rooms: Loft
  • Living Area Meters: 223.71

Exterior Features

  • Direction Faces: Southwest
  • Exterior Features: Hurricane Shutters, Lighting, Storage
  • Roof: Shingle
  • Pool Private: No
  • Waterfront: Yes
  • Road Surface Type: Asphalt
  • Water View: Pond
  • Water View YN: 1
  • Waterfront Feet Total: 0

Garage/Parking

  • Attached Garage: No
  • Carport Spaces: 1
  • Carport Y N: Yes
  • Garage Yn: No

Utilities

  • Utilities: Electricity Connected, Public, Sewer Connected, Underground Utilities, Water Connected
  • Cooling: Central Air, Wall/Window Unit(s)
  • Heating: Central
  • Laundry Features: Laundry Closet
  • Sewer: Public Sewer
  • Water Source: Public

Condo/Co-op/Association

  • Community Features: Clubhouse, Deed Restrictions, Dog Park, Fitness Center, Gated Community - Guard, Golf Carts OK, Irrigation-Reclaimed Water, Pool, Special Community Restrictions, Tennis Court(s), Wheelchair Access
  • Association Amenities: Clubhouse, Fence Restrictions, Fitness Center, Gated, Handicap Modified, Laundry, Pickleball Court(s), Pool, Security, Shuffleboard Court, Spa/Hot Tub, Storage, Tennis Court(s), Vehicle Restrictions
  • Association Fee: 1470
  • Association Fee Frequency: Annually
  • Association Name: Mosaic Services
  • Phone: 863-874-4816
  • Association: Yes
  • Senior Community: Yes
  • Association 2 YN: 0
  • Association Fee Requirement: Required
  • Association Email: elisabethd@mosaicsvc.com

Fee Information

  • Total Annual Fees: 1470.00
  • Total Monthly Fees: 122.50
  • Monthly HOA Amount: 122.50

Lot Info

  • Parcel Number: 25-26-31-295433-001040
  • Additional Parcels: No
  • Flood Zone Code: X

Rental Info

  • Furnished: Unfurnished
  • Pets Allowed: Yes

Tax Info

  • Tax Annual Amount: 2814.17
  • Tax Book Number: 104-38
  • Tax Lot: 104

Multi Family

  • Waterfront Features: Pond

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
Sep 19, 2024
Closed on
Sep 13, 2025
Sold by
Nancy A Cole Trust and Cole Nancy A
Bought by
Thomas E Rutherford & Gail A Rutherford Joint and Rutherford
Seller's Agent
Christine Stull
MOSN REALTY
Buyer's Agent
Christine Stull
MOSN REALTY
List Price
$530,000
Sold Price
$425,000
Premium/Discount to List
-$105,000
-19.81%
Views
45
Current Estimated Value
$445,017

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
$20,017
Avg. Annual Appreciation
17.86%
Original Mortgage
$200,000
Outstanding Balance
$200,000
Interest Rate
6.58%
Mortgage Type
New Conventional
Estimated Equity
$245,017

Purchase Details

Closed on
May 9, 2022
Sold by
Cole Nancy A
Bought by
Nancy A Cole Trust

Purchase Details

Closed on
Nov 17, 1997
Sold by
Anchor Investment Corp
Bought by
Cole Richard C and Cole Nancy A
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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List Price
Sold Price
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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Purchase History

Date Type Sale Price Title Company
Warranty Deed $425,000 Golden Rule Title
Warranty Deed -- New Title Company Name
Warranty Deed $29,000 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $200,000 New Conventional
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
09/15/2025 09/15/25 Sold $425,000 0.0% $176 / Sq Ft
07/17/2025 07/17/25 Pending -- -- --
06/17/2025 06/17/25 Off Market $425,000 -- --
04/23/2025 04/23/25 Price Changed $460,000 -3.2% $191 / Sq Ft
03/12/2025 03/12/25 Price Changed $475,000 -2.1% $197 / Sq Ft
02/22/2025 02/22/25 Price Changed $485,000 -2.0% $201 / Sq Ft
02/07/2025 02/07/25 Price Changed $495,000 -2.8% $206 / Sq Ft
01/03/2025 01/03/25 Price Changed $509,000 -1.9% $211 / Sq Ft
11/16/2024 11/16/24 Price Changed $519,000 -2.1% $216 / Sq Ft
09/19/2024 09/19/24 For Sale $530,000 -- $220 / Sq Ft
Source: Stellar MLS

Tax History Compared to Growth

Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $2,993 $225,126 -- --
2024 $2,814 $218,781 -- --
2023 $2,814 $212,409 $0 $0
2022 $2,715 $206,222 $0 $0
2021 $2,728 $200,216 $0 $0
2020 $2,688 $197,452 $0 $0
2018 $2,621 $189,414 $0 $0
2017 $2,556 $185,518 $0 $0
2016 $2,518 $181,702 $0 $0
2015 $2,155 $180,439 $0 $0
2014 $2,405 $179,007 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: Stellar MLS

MLS Number: L4947588

Stellar MLS

APN: 25-26-31-295433-001040