445 MCKENNA DRIVE, WINTER HAVEN, FL, 33881
Active91 days on marketListed Apr 23, 2026MLS #O6400933
About this home
445 MCKENNA DRIVE
Virtually Staged. Welcome to this thoughtfully designed single-story home in a growing Winter Haven community, where modern comfort meets everyday convenience. Positioned on a corner lot with clean curb appeal and a fully fenced backyard, this property offers both functionality and a polished presentation from the moment you arrive. Inside, the home opens to a bright, open-concept living space anchored by durable tile flooring and enhanced by natural light. The living room flows seamlessly into the kitchen and dining area, creating an ideal layout for both daily living and entertaining. A large center island provides additional seating and workspace, complemented by white cabinetry, sleek countertops, and stainless steel appliances for a clean, contemporary look. The layout is designed with efficiency and comfort in mind, offering a practical flow between living spaces and private areas. Finishes throughout the home reflect a well-maintained, move-in-ready condition, with neutral tones that allow for easy personalization. Step outside to a fully fenced backyard featuring a paved patio area—perfect for outdoor dining, relaxing, or creating your own backyard retreat. The yard offers a balance of usable green space and lowmaintenance design, with room to enhance further if desired. Additional features include a two-car garage, modern fixtures, and solar panels visible on the roof, which may contribute to energy efficiency. Beyond the home itself, the community offers amenities such as a resort-style pool with lounge seating, providing a convenient option for recreation without the upkeep. The neighborhood is designed with sidewalks and a cohesive feel, contributing to an organized and accessible environment. Located in Winter Haven, this property benefits from proximity to everyday essentials including grocery stores, retail centers, restaurants, and healthcare services. The area is also known for its chain of lakes, parks, and outdoor recreation opportunities. Major roadways nearby allow for convenient travel to Lakeland, Orlando, and surrounding Central Florida employment hubs. This home presents a strong combination of modern living, outdoor space, and community amenities in a well-connected location.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,694
Sqft
0.16 ac
Lot size
2
Garage
2021
Year built
One
Levels
$177
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.
$2,656 /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
$2,656/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
+4.2%
Days on market
91 vs 42 typical
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 33881 — neighborhood snapshot
Population
39,189
Median age
43.6
Median income
$53,867
Median home value
$177,400
Avg household
2.61
Households w/ children
3,730
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 25% above the WINTER HAVEN 33881 median. See the full Winter Haven market guide →
Paper trail
This home's history
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 445 MCKENNA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 445 MCKENNA 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
445 MCKENNA DRIVE FAQs
What would the monthly payment be for 445 MCKENNA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,656/mo — principal and interest, the actual property-tax bill, the $17/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 445 MCKENNA DRIVE?+
The association fee works out to $17 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 445 MCKENNA DRIVE?+
The most recent tax bill on record (2025) was $7,037. 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 445 MCKENNA 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 $299,000, this home is listed about 5% 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 445 MCKENNA DRIVE?+
Lake Alfred Polytech Academy (middle), Fred G. Garner Academy (elementary), Winter Haven Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Listing courtesy of NEXTHOME MY WAY · Angel Pabon. MLS #O6400933.
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 445 MCKENNA 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 →