514 AVENUE C NE, WINTER HAVEN, FL, 33881
Active199 days on marketListed Jan 15, 2026MLS #L4958429
About this home
514 AVENUE C NE
Virtually Staged. Rare opportunity to own a 5-unit multifamily investment property situated on an oversized lot in the rapidly growing and expanding City of Winter Haven. The property consists of three separate buildings, providing flexibility, privacy, and multiple income streams. Currently, three units are leased with one vacant unit available for immediate occupancy or additional rental income potential , air b n b options as well . Recent renovations and updates completed within the past year include a new metal roof, updated HVAC systems, and numerous interior and exterior improvements, helping minimize deferred maintenance and enhance long-term value. Located near shopping, restaurants, schools, medical facilities, and major roadways, this property is positioned in one of Central Florida's strongest and fastest-growing rental markets. The versatile layout presents numerous possibilities for investors seeking cash flow, portfolio expansion, house-hacking opportunities, or potential short-term rental and Airbnb use, subject to local regulations and buyer verification. With strong income potential, multiple buildings, recent capital improvements, and a prime Winter Haven location near attractions, employment centers, and everyday conveniences, this is a unique opportunity to acquire a well-maintained multifamily asset with both immediate income and future upside.
Facts & features
The home at a glance
9
Bedrooms
3,196
Sqft
0.26 ac
Lot size
1930
Year built
Two
Levels
$181
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 — not generic estimates.
$3,779 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$3,779/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs Winter Haven actives
$181 vs $170
Days on market
199 vs 42 typical
Where $181/sqft sits among the 400 Winter Haven 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 Winter Haven
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
WINTER HAVEN 33881 — neighborhood snapshot
Population
39,189
Median age
43.6
Median income
$53,867
Median home value
$177,400
Avg household
2.61
Households w/ children
3,730
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Haven market
$285K → $287K
Winter Haven median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
191 of 400
Winter Haven actives have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 136% above the WINTER HAVEN 33881 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 514 AVENUE C NE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$200,000
226 4TH STREET NE · same community
3 bd · 1 ba · 1,438 sqft · $139/sqft · 81 DOM
Sold · May ’26$157,900
425 AVENUE B NE · same community
2 bd · 1 ba · 672 sqft · $235/sqft · 28 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 514 AVENUE C NE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 514 AVENUE C NE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
514 AVENUE C NE FAQs
What would the monthly payment be for 514 AVENUE C NE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $3,779/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 514 AVENUE C NE?+
The most recent tax bill on record (2025) was $3,335. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Winter Haven?+
At $579,000, this home is listed about 103% above the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 514 AVENUE C NE?+
Lake Alfred Polytech Academy (middle), Fred G. Garner Academy (elementary), Winter Haven 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
$579,000 runs 136% above the WINTER HAVEN 33881 median — but at 3,196 sqft it's also nearly twice the size of the typical Winter Haven listing.
02Time on market is leverage
199 days on market against a Winter Haven median of 42 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $599,999, now $579,000 — a $21K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BHHS FLORIDA PROPERTIES GROUP · Michael Hochadel. MLS #L4958429.
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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