1097 SANDPIPER LOOP, WINTER HAVEN, FL, 33881
Active140 days on marketListed Mar 2, 2026MLS #L4959736
About this home
1097 SANDPIPER LOOP
Welcome to 1097 Sandpiper Loop, a beautifully maintained home situated in an intimate community of fewer than 90 residences. Conveniently positioned just off Country Club Road in Winter Haven, this property offers the best of both worlds—quick access to downtown amenities while enjoying the comfort of spacious quarter-acre lots that provide added breathing room. As you enter, you’re welcomed by attractive luxury vinyl flooring that runs throughout the main living spaces, creating a cohesive and low-maintenance design. The kitchen is thoughtfully designed for both everyday living and entertaining, featuring granite countertops, stainless steel appliances, and a generous walk-in pantry. It flows seamlessly into a flexible dining area that can easily adapt to formal gatherings or casual meals. In addition to the main living areas, the home includes a versatile flex room—perfect for a home office, study, playroom, or additional lounge space. The primary suite offers ample space and comfort, paired with a well-appointed bathroom designed with quality finishes and a relaxing atmosphere. Step outside to enjoy the extended covered and screened patio, providing a peaceful outdoor retreat overlooking a fully enclosed backyard. Numerous upgrades throughout the home enhance both functionality and overall appeal. Don’t miss your chance to own this thoughtfully designed home in a desirable Winter Haven location. Schedule your private showing today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,912
Sqft
0.25 ac
Lot size
2
Garage
2022
Year built
One
Levels
$214
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.
$3,096 /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
$3,096/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
+38.3%
$/sqft vs Winter Haven actives
$214 vs $171
Days on market
140 vs 42 typical
Where $214/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 Poinsettia Park
Get to know Winter Haven. See the full Winter Haven guide →
Poinsettia Park — neighborhood snapshot
Population
708
Median age
36
Median income
$78,816
Median home value
$233,205
Avg household
3
Households w/ children
100%
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)
202 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 69% 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 1097 SANDPIPER LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$260,000
1550 AVENUE C NE
4 bd · 2 ba · 1,900 sqft · $137/sqft · 69 DOM
Sold · Nov ’25$450,000
1264 BUCKEYE ROAD NE
4 bd · 2.5 ba · 1,941 sqft · $232/sqft · 140 DOM
Sold · May ’26$299,000
1729 PEBBLE BEACH STREET
3 bd · 2 ba · 1,865 sqft · $160/sqft · 10 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 1097 SANDPIPER LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1097 SANDPIPER LOOP — 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
1097 SANDPIPER LOOP FAQs
What would the monthly payment be for 1097 SANDPIPER LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,096/mo — principal and interest, the actual property-tax bill, the $63/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 1097 SANDPIPER LOOP?+
The association fee works out to $63 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1097 SANDPIPER LOOP?+
The most recent tax bill on record (2025) was $3,339. 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 1097 SANDPIPER LOOP?+
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 Winter Haven?+
At $410,000, this home is listed about 44% 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 1097 SANDPIPER LOOP?+
Elbert Elementary School (elementary), Denison Middle School (middle), Winter Haven Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$410,000 runs 69% above the WINTER HAVEN 33881 median — but at 1,912 sqft it's also 16% larger than the typical Winter Haven listing.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
140 days on market against a Winter Haven median of 42 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $420,000, now $410,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY SMART 1 · David Small. MLS #L4959736.
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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