154 2ND STREET SW Unit 7, WINTER HAVEN, FL, 33880
Active77 days on marketListed May 18, 2026MLS #L4961765
About this home
154 2ND STREET SW Unit 7
Discover your dream residence at RainGarden Condominiums in Downtown Winter Haven! Designed by renowned architect Max Strang, this stunning townhouse embodies a modern design within a tropical landscape that provides an atmosphere of serenity in the heart of a lively downtown. Prepare to be wowed by the blend of contemporary aesthetics and organic elements, transforming this two-bedroom, two-and-a-half-bathroom residence into a unique piece of architecture! This interior unit is one of nine townhomes that make up the RainGarden Condominium. Upon entering the secured gate into your private courtyard, you’ll immediately notice the lush landscaping and shady tree canopies that provide a peaceful place to relax or entertain guests. Step inside and enjoy a spacious and airy layout that effortlessly connects the living, dining, and kitchen areas. The large custom windows bathe the space in natural light, while the randomized, vertical fins on the front facade provide generous shading and privacy to the outside. The living room dazzles with 9'9" ceilings, elegant concrete floors, dining area, and expansive floor-to-ceiling windows. The gourmet kitchen features a breakfast bar, high-end GE appliances, granite countertops, and ample cabinet space, blending functionality with style. Access your second story via an integrated wooden stairway situated in a clerestory expanse that opens to a skylighted landing. Upstairs, the lofted master bedroom beckons with floor-to-ceiling windows, refined wood floors, an en-suite bathroom, and abundant closet space. The master bath features a double vanity, a large walk-in shower with elegant finishes, and a spacious walk-in closet. The second bedroom boasts a similar en-suite bathroom with a walk-in closet and plenty of storage. Enjoy the convenience of a second-floor washer and dryer as well as an ample storage closet. Located in the heart of Downtown Winter Haven, this home offers an urban lifestyle where you can “live, work, and play” all within a few blocks. You can leave your vehicles in the attached two-car garage and enjoy the vibrant neighborhood with new restaurants, coffee shops, retailers, and other entertainment just steps away. There are also additional visitor parking spots in the rear and ample street parking available on Ave A. This location cannot be beaten! Centrally located between Tampa & Orlando and within 1 1/2 hours of both east-coast and west-coast beaches. Or take your family out on the coveted Chain of Lakes where you can boat or swim between 22 different lakes! Don’t miss out on the opportunity to purchase this architectural gem! HOA provides for trash pickup, sewer, common electric and water expenses, exterior maintenance and landscaping.
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,640
Sqft
0.02 ac
Lot size
2
Garage
2015
Year built
Two
Levels
$302
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.
$4,266 /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
$4,266/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.
$/sqft vs Winter Haven actives
$302 vs $170
Days on market
77 vs 42 typical
Where $302/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 33880 — neighborhood snapshot
Population
42,336
Median age
36.5
Median income
$56,803
Median home value
$200,900
Avg household
2.8
Households w/ children
5,516
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)
193 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 125% 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 154 2ND STREET SW Unit 7
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$205,000
780 OLEANDER DRIVE SE
3 bd · 2 ba · 1,623 sqft · $126/sqft · 120 DOM
Sold · Aug ’25$323,102
980 OLEANDER DRIVE SE
3 bd · 2.5 ba · 1,673 sqft · $193/sqft · 136 DOM
Sold · Aug ’25$204,500
1531 OAKVIEW CIRCLE SE
2 bd · 2 ba · 1,575 sqft · $130/sqft · 87 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 154 2ND STREET SW Unit 7 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 154 2ND STREET SW Unit 7 — 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
154 2ND STREET SW Unit 7 FAQs
What would the monthly payment be for 154 2ND STREET SW Unit 7?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,266/mo — principal and interest, the actual property-tax bill, the $550/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 154 2ND STREET SW Unit 7?+
The association fee works out to $550 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 154 2ND STREET SW Unit 7?+
The most recent tax bill on record (2025) was $5,073. 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 154 2ND STREET SW Unit 7?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 $495,000, this home is listed about 74% 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 154 2ND STREET SW Unit 7?+
Denison Middle School (middle), Winter Haven Senior High School (high), John Snively Elementary (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of POLK REALTY ADVISORS LLC · Zachary Strang. MLS #L4961765.
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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