124 CENTER STREET, WINTER HAVEN, FL, 33880
Active45 days on marketListed Jun 10, 2026MLS #L4962572
About this home
124 CENTER STREET
Virtually Staged. Short Sale. Investor Special! (short sale requiring 3rd party approval) Don't miss this opportunity to transform this 3-bedroom, 2-bath block home into something truly special. Featuring a newer roof and AC system, some of the major improvements have already been completed, providing a solid foundation for your renovation plans. Whether you're an investor searching for your next flip, looking to add to your rental portfolio, or a buyer ready to create your dream home, this property offers incredible potential. Situated in a convenient Central Florida location, you'll be close to shopping, dining, major highways, world-famous theme parks, and both the Gulf and Atlantic Coast beaches. Bring your tools, creativity, and vision. This handyman special is ready for its next chapter! Seller is working cooperatively with the lender to facilitate a smooth transaction. Experienced short sale negotiator involved.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,306
Sqft
0.19 ac
Lot size
1952
Year built
One
Levels
$138
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.
$1,515 /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
$1,515/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
−19.2%
$/sqft vs Winter Haven actives
$138 vs $171
Days on market
45 vs 42 typical
Where $138/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)
194 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 20% below the WINTER HAVEN 33880 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 124 CENTER STREET
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$218,500
103 ORANGE AVENUE · same community
4 bd · 2 ba · 1,314 sqft · $166/sqft · 49 DOM
Sold · Jan ’26$200,000
87 HIGH STREET · same community
3 bd · 1 ba · 1,279 sqft · $156/sqft · 8 DOM
Sold · Nov ’25$135,000
102 ORANGE AVENUE · same community
3 bd · 1 ba · 1,080 sqft · $125/sqft · 24 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 124 CENTER STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 124 CENTER STREET — 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
124 CENTER STREET FAQs
What would the monthly payment be for 124 CENTER STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,515/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 124 CENTER STREET?+
The most recent tax bill on record (2025) was $2,590. 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 $180,000, this home is listed about 37% below the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 124 CENTER STREET?+
Westwood Middle School (middle), Lake Region High School (high), Clarence Boswell 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 LIVE FLORIDA REALTY · Stephen Novak. MLS #L4962572.
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.
Never miss a listing
New Winter Haven homes, in your inbox
Like 124 CENTER STREET but not quite? A daily digest of every new listing in Winter Haven — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →