124 SHELLEY DRIVE, WINTER HAVEN, FL, 33884
Active2 days on marketListed Jul 22, 2026MLS #L4963693
About this home
124 SHELLEY DRIVE
Virtually Staged. Beautifully renovated residence situated in the highly desirable southeast Winter Haven area, just minutes from top-rated schools, LEGOLAND, dining, and shopping. This exceptional home showcases a durable metal roof and elegant tile flooring throughout, blending style with low-maintenance living. The thoughtfully redesigned kitchen features quartz countertops and modern finishes, offering a refined space for both everyday living and entertaining. A desirable split floor plan provides privacy and functionality, with four generously sized bedrooms and two well-appointed bathrooms. The expansive primary suite serves as a private retreat, complete with an oversized layout, walk-in closet, and a spacious en-suite bathroom. Additional highlights include a two-car garage, an extended driveway providing ample parking, and a fully fenced backyard designed for privacy and relaxation. A storage shed adds convenience and versatility. This home offers a rare combination of modern upgrades, comfort, and an excellent location.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,960
Sqft
0.22 ac
Lot size
2
Garage
1966
Year built
One
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$176 /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
$176/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
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
$1 vs $171
Days on market
2 vs 42 typical
Where $1/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 33884 — neighborhood snapshot
Population
36,395
Median age
45.3
Median income
$70,516
Median home value
$269,400
Avg household
2.58
Households w/ children
3,777
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)
198 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 99% below the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 124 SHELLEY DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$330,000
221 STEVENSON ROAD · same community
4 bd · 2 ba · 1,963 sqft · $168/sqft · 105 DOM
Sold · Nov ’25$250,000
228 KILMER LANE · same community
4 bd · 2.5 ba · 1,933 sqft · $129/sqft · 158 DOM
Sold · Sep ’25$345,000
161 POE DRIVE · same community
4 bd · 2 ba · 1,899 sqft · $182/sqft · 23 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 SHELLEY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 124 SHELLEY DRIVE — 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 SHELLEY DRIVE FAQs
What would the monthly payment be for 124 SHELLEY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $176/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.
Are pets allowed at 124 SHELLEY DRIVE?+
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 $2,250, this home is listed about 99% 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 SHELLEY DRIVE?+
Elbert Elementary School (elementary), Winter Haven Senior High School (high), Denison Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the WINTER HAVEN 33884 market on paper
$2,250 is 99% below the WINTER HAVEN 33884 median of $285,000, and at $1/sqft it sits under the Winter Haven average of $172.
02Trees/Woods views
The trees/woods view is part of what you're buying — views hold value independently of the structure.
03Fresh on the market
Only 2 days on market in a Winter Haven market that averages 42 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY SMART 1 · David Small. MLS #L4963693.
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 SHELLEY DRIVE 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 →