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Frostproof USDA Eligible Homes For Sale.

What is USDA Financing? It is a government backed program that offers a 0% down loan. The address should be verified in their Eligibility Checker before moving forward to ensure it is in a USDA zone.

Want to know more? Check out our blog post about USDA financing!

USDA Financing Available Homes:

$529,900
4 Beds 3 Baths Blue Jordan Forest SubDv. 33843 Zip Code
FABULOUS PROPERTY FOR ANIMAL & NATURE LOVERS located in the Gated Community of Blue Jordan Forest, classified as a Wildlife Preserve and located near Walk-In-The-Water Wildlife Management Area for trail riding! The beautiful home sits on 4.28 Acres offering 2,438 sqft with 4 BD/3 BA, desirable open concept, split bedroom plan and cathedral ceilings. BRING your Horses & Chickens as this property is ready with a 36’x24’ Barn, a Coop, Fencing and a Pond! A circular driveway brings you to a welcoming screened entrance with flagstone accents and tiled floor, then leads inside to a well-designed floor plan with extra living and entertaining space. The spacious living room has a cathedral ceiling and its porcelain tile flooring flows into the dining room that stands convenient to the kitchen, with pass thru window. Warm recently sanded and stained parquet flooring begins at the front door covering the family room, the kitchen has brand new appliances and has an eat-in area. The kitchen’s oak cabinetry compliments the counter tops and stands open to the gorgeous family room with cathedral ceiling and handsome flagstone fireplace flanked with arched windows, and offering an extra-large hearth for sitting fireside. The private master suite has a new elegant bathroom coordinating granite dual sink vanity and decorative tile & glass shower that includes multi-showerheads (separate temperature control); the comfortable bedroom offers large walk-in closet, porcelain tile floor and ceiling fan. Sliding barn doors open to the hallway to bedrooms with tile floors and ceiling fans. An en suite bedroom with trey ceiling, tile shower stall and granite top vanity, is ideal for overnight guest, in-law or young adult, it stands near an exterior entrance. This well-maintained property has much to offer outdoors, the afore mentioned Barn has 3 stalls, concrete slab/enclosed 12x12’ tack/feed room, water & electric under a metal roof. The Chicken Coop is 12’x12’ w/metal roof with a 60’x60’ pen. An additional bonus to this amazing property is a 30'x25' large metal building/workshop complete with electricity, water, and 220v hookup! If additional living space is needed, the attached garage is nearly finished as it has ductwork and vents already in place. The property has a huge BRAND NEW irrigation system, Brand new shallow well for irrigation as well as purification system on main well, trees, attractive landscaping accented with wood fencing. Enjoy the seclusion of the forest and nearness to Lake Reedy, Lake Walk-In-Water and Wildlife Management Area with access to hiking trails and horse trails! This Central Florida location is just minutes to the downtowns of Frostproof and Lake Wales with nearby major highways leading to Florida beaches and Tampa-Orlando-Miami.

1273 Scrub Jay Trail, Frostproof

$439,900
3 Beds 2 Baths 33843 Zip Code
Tucked away off the beaten path, this exquisitely maintained 3-bedroom, 2-bath home sits on just under 6 acres of land and offers the kind of space, privacy, and freedom that is getting harder to find. With no HOA restrictions, room to roam, and beautiful views of Lake Clinch, this property invites you to slow down, spread out, and truly enjoy Central Florida living. From the moment you arrive, the setting feels special. A shared easement leads you to a peaceful property where you can plant roots, expand your dreams, and enjoy life with room to breathe. Spend your mornings sipping coffee on the front porch, your evenings relaxing on the rear screened porch, and your holidays gathering with loved ones to watch the yearly fireworks over Lake Clinch. The land is fenced and ready to be enjoyed, with plenty of space for hobbies, animals, equipment, gardening, recreation, or future possibilities. The property also features a 38 x 28 pole barn, a 20 x 20 detached garage with a 12 x 20 lean-to equipped with electric and water, and a designated shooting area, offering both function and flexibility for those wanting a true country-living setup. Inside, the home has been beautifully cared for and offers a comfortable 3-bedroom, 2-bath layout designed for everyday living. Updated windows and doors. Luxury vinyl plank flooring throughout the living and bedrooms and tile in the kitchen and baths. Also, fresh interior paint. In the kitchen you'll find stainless steel appliances and a bar for breakfast or homework. Whether you are looking for a peaceful retreat, a place to entertain, or a property with room to grow, this one offers a rare combination of privacy, usable land, lake views, and convenience. If you have been dreaming of land, freedom, lake views, porch mornings, and a place where you can live life to the fullest, this property is ready to welcome you home.

1645 Hwy 630 W, Frostproof

$339,900
3 Beds 2 Baths Central Ridge Estates SubDv. 33843 Zip Code
Virtually Staged. Welcome to this beautifully upgraded 3-bedroom, 2-bath pool home featuring a versatile study/den that can easily serve as a 4th bedroom. Offering over 1,800 square feet of living space, this open-concept floor plan is designed for comfortable everyday living and effortless entertaining. Step outside to your own private backyard retreat situated on a spacious 0.23-acre lot. Enjoy the stunning saltwater pool, installed in 2025, complete with a Pentair pool pump and color-changing lighting for the perfect evening ambiance. The expansive screened lanai features a covered seating area with insulated roofing to help keep you cool while relaxing outdoors. A wood privacy fence, also installed in 2025, creates a secluded outdoor oasis that truly extends your living space. Inside, you'll appreciate the many upgrades throughout the home, including LED lighting, ceiling fans in every room (installed in 2025), custom window coverings, elegant curved accent walls in the primary bedroom and study, and Govee smart exterior lighting that allows you to customize your home's appearance with the touch of an app. Additional 2025 improvements include new gutters and enhanced outdoor features, along with a full irrigation system to keep the landscaping looking its best. The split-bedroom floor plan offers privacy for the spacious primary suite, featuring a vast walk-in closet and an en-suite bath with dual vanities, a step-in shower, and a built-in shower bench. The inviting breakfast nook overlooks the pool and lanai, making it the perfect place to enjoy your morning coffee. An indoor laundry room adds convenience, and the kitchen comes complete with a dishwasher, disposal, microwave, range, range hood, and refrigerator. This move-in-ready home is loaded with thoughtful upgrades that have already been completed for you. Don't miss the opportunity to own this exceptional property—schedule your private showing today!

513 Central Ridge Lane, Frostproof

$275,000
3 Beds 2 Baths Halls Sub SubDv. 33843 Zip Code
Step back in time while enjoying modern conveniences in this unique 3-bedroom, 2-bath home situated on a desirable corner lot in Frostproof. Originally built in 1901 and relocated to its current site decades later, this charming residence showcases high ceilings, beautiful wood flooring, and numerous updates throughout.The spacious interior features an updated kitchen with new cabinetry, central heat and air with heat pump, updated electrical and plumbing systems, and a convenient indoor laundry room. A 2020 whole-house solar system helps provide energy efficiency, while city water and sewer service add convenience. The property also includes a RainSoft water treatment system and separate irrigation meters.Outdoor amenities abound with a chain-link fenced yard, double carport, and an inviting 5-foot-deep saltwater soaker pool enclosed within a screened lanai—perfect for relaxing and entertaining. Hobbyists, contractors, or those needing extra storage will appreciate the impressive 34.6' x 30' x 12'10" metal barn featuring electric roll-up doors. Additional outbuildings include a 10' x 10' she shed and a 12' x 17' storage building with electricity and a roll-up door.This one-of-a-kind property combines historic character, modern updates, and exceptional outdoor improvements, offering endless possibilities for work, recreation, and comfortable living. Schedule your private showing today!

398 Virginia Street, Frostproof

$206,000
3 Beds 2 Baths Flood & Carsons Add SubDv. 33843 Zip Code
One or more photo(s) has been virtually staged. Completely rebuilt for modern living, this move-in-ready home offers something that's becoming harder to find—major system updates, a large private lot, no HOA, and room to live your way. Set on .31 of an acre with no rear neighbors, this beautifully renovated 3-bedroom, 2-bath home combines the character of an established property with the confidence of extensive 2024 improvements. The roof, windows, electrical, plumbing, insulation, HVAC, interior and exterior paint, flooring, kitchen, and bathrooms have all been updated, with a new water heater installed in 2025. The result is a home that lives like new without the price tag of new construction. A welcoming covered front porch creates the perfect spot to enjoy your morning coffee or unwind in the evening and can easily be screened for year-round enjoyment. Inside, an open, light-filled layout welcomes you with luxury vinyl plank flooring, recessed lighting, and a seamless flow between the living, dining, and kitchen spaces. The kitchen is designed for everyday living, featuring quartz countertops, soft-close shaker cabinetry, a lazy Susan, and brand-new stainless steel appliances. The enclosed laundry room adds valuable interior functionality, while both updated bathrooms feature clean, timeless finishes that complement the home's fresh design. Outside is where this property truly shines. With no rear neighbors, a spacious backyard, and no HOA restrictions, you'll have the flexibility to park your boat, RV, trailer, or work vehicles, create your dream outdoor living space, add a pool or garden, or simply enjoy the extra privacy and open space that's becoming increasingly difficult to find. Enjoy the charm of Frostproof, a welcoming small town that offers a slower pace of life away from the hustle and bustle while continuing to experience thoughtful growth and investment. Surrounded by beautiful lakes, including Lake Clinch and Lake Buffum, residents enjoy easy access to fishing, boating, kayaking, and Florida's natural beauty. Everyday conveniences are just a short drive away, with Lake Wales approximately 15 minutes, Avon Park 20 minutes, Sebring 30 minutes, and Winter Haven 35–40 minutes. For commuters or weekend adventures, Orlando is just over an hour away, while Tampa is approximately an hour and a half, giving you the perfect balance of peaceful small-town living with convenient access to major employment centers, shopping, dining, entertainment, airports, and Central Florida's world-famous attractions. Short-term rentals are permitted with registration through the City of Frostproof Business Tax Receipt program, making this an excellent opportunity for homeowners, seasonal residents, or investors. A one-year home warranty, $500.00 "GOLD" package is also being offered to the buyer, providing added confidence and protection after closing. Survey is available with no modifications that will also allow you to save out of pocket expenses. If you've been searching for a home that offers modern updates, long-term value, outdoor space, and the freedom of no HOA, this one deserves a closer look.

13 E 8th Street, Frostproof

$725,000
3 Beds 3 Baths 33843 Zip Code
Welcome to your own private retreat! Tucked away at the end of a long driveway on nearly an acre, this impressive estate offers space, privacy, and stunning lakefront living.A grand two-story façade with stately columns and a slate-tiled front porch sets the tone as you arrive. Inside, the split-level design provides both functionality and flexibility. The main living area features a spacious 3-bedroom, 2-bath layout with a large living room, dining area, and beautifully updated kitchen complete with ceramic tile flooring, modern cabinetry, stainless steel appliances, and a center island cooktop—perfect for gathering and entertaining.Comfort continues throughout with carpeted living spaces, while both upstairs bathrooms feature ceramic tile. The guest bath offers a relaxing jetted tub/shower combo, and the primary suite includes a private shower. High-quality double-pane insulated Pella tilt windows and sliding glass doors with built-in blinds enhance energy efficiency and natural light throughout the home.Step outside to an expansive 19.6’ x 52’ open concrete deck with sleek metal railing, overlooking the spacious backyard, private dock, and a rare white sandy beachfront along the lake—an ideal setting for entertaining or unwinding with peaceful water views.The lower level boasts a massive 33’ x 33’ walk-out basement, complete with a striking stone-faced fireplace, deep double closets, and ample space for recreation, additional sleeping quarters, or a home gym. A convenient half bath and sliding glass doors lead to a covered 19.5’ x 52’ concrete porch, extending your living space outdoors.Additional features include an attached two-car garage with electric openers, a dedicated laundry room, well and tank, water softener system, and a new hot water heater. For all your storage and hobby needs, the property also includes two large detached metal sheds and a tall carport—perfect for boats, vehicles, and outdoor equipment.This one-of-a-kind lakefront property combines elegance, space, and versatility—don’t miss your opportunity to own a slice of Florida paradise!

607 W State Road 630, Frostproof

$1,200,000
4 Beds 3 Baths 33843 Zip Code
Stunning Lakefront Package – Three Properties Included!Immaculate and move-in ready, this beautifully maintained 4-bedroom, 3-bath home with a 2-car garage offers the perfect blend of comfort, style, and functionality. Featuring a desirable split-bedroom floor plan, the home showcases an updated kitchen with well-appointed cabinetry, stone countertops, and modern finishes. Engineered wood flooring flows throughout, complemented by updated windows and stylish light fixtures.The heart of the home is the spacious central great room with a striking brick-faced, wood-burning fireplace and adjoining dining area—perfect for entertaining. A versatile front room can serve as a formal dining space or private office.The third guest bedroom offers a large walk-in closet and private ensuite bath, complete with exterior access to the screened lanai—ideal for guests or multi-generational living.Step outside to enjoy a beautifully manicured yard shaded by mature oak trees, gently sloping to your own private beach nestled in a peaceful cove on Clinch Lake. This highly sought-after Polk County lake allows skiing, fishing, boating, and even seaplanes. Additional features include multiple storage sheds for all your tools and toys.Bonus Properties Included:Remodeled Rental Home: 2-bedroom, 1-bath with wood flooring, updated kitchen and appliances, new wooden deck, and open front porch. Currently occupied by long-term tenants—great income potential.Corner Vacant Lot: Filled with a variety of fruit trees, including Florida peaches, avocados, and more—perfect for expansion, gardening, or future development.Offered together for $1,200,000—a rare opportunity to own a versatile, income-producing lakefront package!

334 W F Street Unit FL, Frostproof

$464,000
3 Beds 3 Baths Lake Side Terrace SubDv. 33843 Zip Code
Seller is offering buyers a temporary interest rate buy down. Welcome to your slice of waterfront paradise on beautiful Lake Reedy in Frostproof, Florida. This well-appointed 3-bedroom, 2.5-bath home offers spectacular lake views and the perfect blend of comfort, privacy, and outdoor living. As you relax in the living room, you’ll be captivated by breathtaking views through the French doors overlooking the sparkling pool and expansive lake beyond. The home features a brand-new screened enclosure surrounding the pool, allowing you to enjoy Florida living year-round in comfort. Step outside to your private boat dock, approximately 20x20, complete with a covered boat house—perfect for boating, fishing, or simply soaking in the serene waterfront setting. In addition to the attached features, the property offers a rear carport with a concrete slab, ideal for entertaining guests, hosting gatherings, or creating an additional outdoor living space. A storage shed provides convenient space for tools, lake gear, and equipment. Excellent freshwater fishing for largemouth bass Crappie (speckled perch), blue gill. Lake Reedy is around 3500 acres, about 5 miles long and around 1 mile wide average depth is 8 to 10 feet. Situated on a quiet street in a beautiful and peaceful area of Frostproof, this home offers the tranquility of lakefront living while remaining conveniently located. Don’t miss this opportunity to own a stunning Lake Reedy waterfront property with unforgettable views and exceptional outdoor amenities.

148 N Lake Reedy Boulevard, Frostproof

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