166 ST THOMAS DR, MULBERRY, FL, 33860
Active45 days on marketListed Jun 8, 2026MLS #O6414797
About this home
166 ST THOMAS DR
Located in the desirable Bridgeport Lakes community in Mulberry, this 4 bedroom, 2.5 bath home boasts a fantastic water view! The open concept floor plan features a spacious kitchen with plenty of cabinet and counter space, and has granite countertops, dark wood cabinets, stainless steel appliances and a large center island with breakfast bar. The kitchen overlooks the large family room which has sliders leading out to the beautiful back yard, perfect of pets, cookouts, or family fun. The master suite is massive and boasts a walk-in shower, dual sinks and granite countertops. Bridgeport Lakes is a quite community with a very low HOA and no CDD, and the location is perfect, being in close proximity to shopping, dining, and major roadways making for an easy commute to Lakeland, Tamps or Bartow.
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
2,505
Sqft
0.17 ac
Lot size
2
Garage
2019
Year built
Two
Levels
$143
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.
$2,868 /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
$2,868/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
−18.2%
Days on market
45 vs 29 typical
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 Mulberry
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Mulberry. See the full Mulberry guide →
MULBERRY 33860 — neighborhood snapshot
Population
25,617
Median age
34.3
Median income
$62,779
Median home value
$221,400
Avg household
2.93
Households w/ children
3,311
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
$318K → $315K
Mulberry median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
Median sold price, Mulberry, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 23% above the MULBERRY 33860 median. See the full Mulberry market guide →
Paper trail
This home's history
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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 166 ST THOMAS DR — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 166 ST THOMAS DR — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
166 ST THOMAS DR FAQs
What would the monthly payment be for 166 ST THOMAS DR?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,868/mo — principal and interest, the actual property-tax bill, the $75/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 166 ST THOMAS DR?+
The association fee works out to $75 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 166 ST THOMAS DR?+
The most recent tax bill on record (2025) was $4,329. 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 166 ST THOMAS DR?+
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 Mulberry?+
At $359,000, this home is listed about 15% above the Mulberry median of $312,500. The market section on this page shows how the area is trending.
Which schools are assigned to 166 ST THOMAS DR?+
Mulberry Middle School (middle), Mulberry Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$359,000 runs 23% above the MULBERRY 33860 median — but at 2,505 sqft it's also 43% larger than the typical Mulberry listing.
02Water views
The water view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $369,000, now $359,000 — a $10K cut. The full history is in the market section below.
Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Ping Ma. MLS #O6414797.
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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