165 5TH STREET SW, WINTER HAVEN, FL, 33880
Active90 days on marketListed May 4, 2026MLS #L4961632
About this home
165 5TH STREET SW
165 SW 5th St, Winter Haven, FL 33880 presents a strong opportunity for commercial redevelopment or investment in a growing Winter Haven location. This vacant parcel offers approximately 17,476 square feet and is positioned in an area with surrounding commercial and mixed-use activity. The site is ideal for a local owner-user, boutique developer, retail or service user, professional office, café/restaurant operator, or investor seeking a well-located parcel with redevelopment potential. With its central location and visibility, the site offers potential for an owner-user, investor, or developer seeking a parcel in an established part of the city. Buyers should verify intended use, zoning, and development requirements with the City of Winter Haven.
Facts & features
The home at a glance
0.4 ac
Lot size
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.
$9,682 /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
$11,195/mo
Includes estimated PMI — it drops off once you reach 20% equity. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside Historic Downtown 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 →
Historic Downtown Winter Haven — neighborhood snapshot
Population
107
Median age
27
Median home value
$187,500
Avg household
2
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)
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 648% above the WINTER HAVEN 33880 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 165 5TH STREET SW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$142,000
1607 2ND STREET SE
2 bd · 1 ba · 576 sqft · $247/sqft · 118 DOM
Sold · Oct ’25$124,000
2075 ISLE ROYALE COURT SE UNIT 163
1 bd · 1 ba · 648 sqft · $191/sqft · 30 DOM
Sold · May ’26$96,000
2065 ISLE ROYALE COURT SE UNIT 141
1 bd · 1 ba · 648 sqft · $148/sqft · 41 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 165 5TH STREET SW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 165 5TH STREET SW — 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
165 5TH STREET SW FAQs
What would the monthly payment be for 165 5TH STREET SW?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $9,682/mo — principal and interest, estimated property taxes 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 165 5TH STREET SW?+
The most recent tax bill on record (2026) was $0. 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 $1,650,000, this home is listed about 479% 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 165 5TH STREET SW?+
Denison Middle School (middle), Winter Haven Senior High School (high), Lake Shipp Elementary School (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CROSBY & ASSOCIATES, INC. · Lorena Alvarez Cordero. MLS #L4961632.
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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