3442 MONACO LN, DAVENPORT, FL, 33897
Active0 days on marketListed Jul 28, 2026MLS #S5154287
About this home
3442 MONACO LN
Beautifully maintained and truly move-in ready, this inviting 4-bedroom, 2-bathroom home offers the perfect combination of comfort, functionality, and relaxed Florida living. The bright, open-concept floor plan allows the main living spaces to flow seamlessly together, creating an ideal setting for entertaining, hosting family and friends, or simply enjoying everyday life. A thoughtful layout maximizes both space and functionality, while a dedicated laundry room and two-car garage provide added convenience. Low maintenance home with luxury vinyl plank flooring and energy efficient build. Step outside to the enclosed lanai and unwind in your own private Jacuzzi, which is included with the home. This peaceful retreat is perfect for relaxing evenings and enjoying the Florida lifestyle throughout the year. Energy-conscious buyers will also appreciate the leased and transferable solar panels, along with an energy-efficient hot water tank, helping to reduce utility costs while supporting more sustainable living. Ideally located within a desirable Davenport community, the home is approximately 10 miles from Central Florida’s world-famous theme parks. Shopping, dining, parks, entertainment, and major roadways are also within easy reach, offering the perfect balance of quiet residential living and convenient access to everything the area has to offer. The community has a pool for fun in the sun and is well located for everything Central Florida has to offer. Comfortable, well-maintained, and ready to enjoy, this exceptional home delivers space, convenience, and lifestyle in one complete package.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,688
Sqft
0.1 ac
Lot size
2
Garage
2021
Year built
One
Levels
$193
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.
$2,718 /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
$2,718/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
−10%
$/sqft vs Davenport actives
$193 vs $189
Days on market
0 vs 42 typical
Where $193/sqft sits among the 400 Davenport 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 Davenport
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Davenport. See the full Davenport guide →
DAVENPORT 33897 — neighborhood snapshot
Population
29,206
Median age
38.9
Median income
$73,457
Median home value
$279,100
Avg household
2.85
Households w/ children
3,278
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Davenport market
$342K → $363K
Davenport median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
150 of 400
Davenport actives have cut their price
Median sold price, Davenport, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 7% below the DAVENPORT 33897 median. See the full Davenport market guide →
Paper trail
This home's history
Reality check
What actually sold near 3442 MONACO LN
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$315,000
3839 MARBELLA WAY · same community
3 bd · 2 ba · 1,484 sqft · $212/sqft · 89 DOM
Sold · Jan ’26$365,000
1451 FOX SQUIRREL DRIVE
3 bd · 2 ba · 1,690 sqft · $216/sqft · 105 DOM
Sold · Aug ’25$360,000
1482 BUNKER DR
3 bd · 2 ba · 1,732 sqft · $208/sqft · 69 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3442 MONACO LN — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3442 MONACO LN — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
3442 MONACO LN FAQs
What would the monthly payment be for 3442 MONACO LN?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,718/mo — principal and interest, the actual property-tax bill, the $85/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 3442 MONACO LN?+
The association fee works out to $85 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3442 MONACO LN?+
The most recent tax bill on record (2025) was $4,995. 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 3442 MONACO LN?+
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 Davenport?+
At $325,000, this home is listed about 16% below the Davenport median of $388,995. The market section on this page shows how the area is trending.
Which schools are assigned to 3442 MONACO LN?+
Loughman Oaks Elementary School (elementary), Ridge Community High School (high), Lake Alfred Polytech Academy (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the DAVENPORT 33897 market on paper
$325,000 is 7% below the DAVENPORT 33897 median of $348,000, and at $193/sqft it sits under the Davenport average of $196.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Listed today in a Davenport market that averages 42 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Nikki Ansons. MLS #S5154287.
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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