Single Family Residence at 640 E CUMMINGS ST, LAKE ALFRED
Single Family Residence at 640 E CUMMINGS ST, LAKE ALFRED, photo 2 of 15
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15 photos

$285,000

640 E CUMMINGS ST
LAKE ALFRED, FL 33850
Listed by Ruth Castro De Molina · AXEN REALTY, LLC
Bedrooms
3
Bathrooms
2
Living area
1,380 sqft
Year built
1975

About this home

Welcome to this well-maintained 3-bedroom, 2-bathroom home in Lake Alfred with NO HOA! Featuring a comfortable and functional layout, spacious living areas, and a generous backyard, this home offers both convenience and value. An exceptional added benefit: the seller will PAY OFF the existing solar panel balance IN FULL at closing, allowing the solar system to convey free and clear to the buyer. Enjoy the benefits of owned solar and potential energy savings from Day 1 without assuming a solar loan. Conveniently located near shopping, dining, major roadways, and Central Florida attractions. Schedule your private showing today!

Property details

MLS
Stellar MLS
MLS #
MFRO6403984
Property type
Single Family Residence
Subdivision
HILLSIDE 02 REP
Status
Active
Days on market
93
On market date
May 8, 2026
Stories
N/A
Total bathrooms
2
Garage spaces
N/A
Parking spaces
N/A
Lot size
0.26 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card.

Elementary
LAKE ALFRED ELEMENTARY SCHOOL
0.11 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
701
Student:teacher ratio
16.7:1
District
POLK
Middle
LAKE ALFRED POLYTECH ACADEMY
1.32 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
643
Student:teacher ratio
16.5:1
District
POLK
HighCharter
DISCOVERY HIGH SCHOOL
1.68 mi away · Grades 9-12
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
881
Student:teacher ratio
18.4:1
District
POLK

Walkability

Blended score for LAKE ALFRED's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

65
Walkable
out of 100
EPA National Walkability Index
9.0 / 20 -- Below average walkable
Google Places amenity density
95 / 100
Restaurants & cafes17
Grocery stores4
Parks6
Schools3
Transit stops16
Pharmacies1

Market position

How this listing compares to current activity in LAKE ALFRED, from live MLS data.

On the market 93 days -- 9 fewer days than LAKE ALFRED's current average of 102 days.
For reference, the median list price across 217 active listings in LAKE ALFRED right now is $322,900.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Adjust tax / insurance estimates
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Est. monthly payment
$1,866/mo
$57,000 down
$228,000 loan
Principal & interest$1,479
Property tax (est.)$238
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated August 18, 2026.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.