120 VICTORIA DRIVE, HAINES CITY, FL, 33844
Active301 days on marketListed Oct 15, 2025MLS #O6350119
About this home
120 VICTORIA DRIVE
MOTIVATED SELLER !!! 55+ Community, Move in Ready with lots of storage. Located in one of the most affordable and desired places to live in the county! This property is ready for its new owners with its remodeled kitchen and floors (2024) the AC is also from 2024 and the Roof 2023(Rubber Roof). It has a 2-car porch, and the sellers are even leaving the golf cart. The open floor plan at the back of the house provides a family room, kitchen and the kitchen eating area, all with that great golf and water view! The screen area off the kitchen lets you enjoy the great outdoor living while admiring much of the golf course. Almost everything is included in the HOA fee of $376/mo.; except your lawn mowing and electricity. The HOA fee includes DVR and 2HD Cable Boxes Plus Internet and WiFi. You can also enjoy 18 holes of golf on the executive course for just $5 greens fee at this Gated Golf Community, located just outside Haines City, and approximately 1.25 hours from either coast. Close distance to Disney, Legoland, and Camp Margaritaville to name a few attractions. In this resident-owned community, you can be as active or inactive as you want to be! Some of the community amenities include: the community Pub, the community Room, fishing or boating on Lake Henry, tennis/pickleball, shuffleboard, horseshoes, swimming in the heated/cooled pool, the hot tub or the workout room. All homes in Sweetwater Golf & Tennis are FHA and VA qualified along with Cash or Conventional loans.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,586
Sqft
0.1 ac
Lot size
1990
Year built
One
Levels
$113
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.
$1,807 /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
$1,807/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
−2.1%
$/sqft vs SWEETWATER GOLF & TENNIS CLUB
$113 vs $142
Days on market
301 vs 41 typical
Where $113/sqft sits among the 7 homes for sale in SWEETWATER GOLF & TENNIS CLUB
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.
The investor lens
Two ways this home pays
This home sits inside Sweetwater Club, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,200/mo median
Live Haines City rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Sweetwater Golf And Tennis Club
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Sweetwater Club is a short-term-rental community. See the full guide →
Sweetwater Golf And Tennis Club — neighborhood snapshot
Population
1,632
Median age
70
Median income
$70,273
Median home value
$28,345
Avg household
2
Households w/ children
15%
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Haines City market
$319K → $303K
Haines City median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
4 of 7
SWEETWATER GOLF & TENNIS CLUB have cut their price
Median sold price, Haines City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 39% below the HAINES CITY 33844 median. See the full Haines City market guide →
Paper trail
This home's history
Reality check
What actually sold near 120 VICTORIA DRIVE
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$100,000
401 DARTMOUTH DRIVE · same community
2 bd · 2 ba · 1,586 sqft · $63/sqft · 27 DOM
Sold · Apr ’26$128,000
376 VICTORIA DRIVE · same community
2 bd · 2 ba · 1,428 sqft · $90/sqft · 393 DOM
Sold · May ’26$125,000
191 DARTMOUTH DRIVE · same community
2 bd · 2 ba · 1,404 sqft · $89/sqft · 86 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 120 VICTORIA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 120 VICTORIA 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
120 VICTORIA DRIVE FAQs
What would the monthly payment be for 120 VICTORIA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,807/mo — principal and interest, the actual property-tax bill, the $387/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 120 VICTORIA DRIVE?+
The association fee works out to $387 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 120 VICTORIA DRIVE?+
The most recent tax bill on record (2024) was $1,452. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 120 VICTORIA DRIVE be rented short-term?+
Yes — this home sits inside Sweetwater Club, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 120 VICTORIA 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 Haines City?+
At $180,000, this home is listed about 42% below the Haines City median of $312,900. The market section on this page shows how the area is trending.
Which schools are assigned to 120 VICTORIA DRIVE?+
Lake Alfred Polytech Academy (middle), Haines City Senior High School (high), Horizons Elementary School (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the HAINES CITY 33844 market on paper
$180,000 is 39% below the HAINES CITY 33844 median of $295,000, and at $113/sqft it sits under the Haines City average of $188.
02Zoned for nightly rentals
Sweetwater Club is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Water views
The water view is part of what you're buying — views hold value independently of the structure.
04Time on market is leverage
301 days on market against a Haines City median of 41 — sellers in this position are usually ready to negotiate.
05The price has already moved
Listed at $200,000, now $180,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of TOP NATION REALTY ADVISORS · Carlos Martinez. MLS #O6350119.
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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