604 SARNER PASS WAY, WINTER HAVEN, FL, 33881
Active80 days on marketListed May 5, 2026MLS #O6404949
About this home
604 SARNER PASS WAY
Seller motivated — great opportunity for investors or future homeowners! This beautiful corner lot home features 4 bedrooms and 2 bathrooms, offering comfort, space, and excellent income potential. The spacious kitchen comes fully equipped with all appliances, including a refrigerator, stove, microwave, and dishwasher, making it move-in ready from day one. The open-concept layout seamlessly connects the living and dining areas, creating the perfect space for entertaining guests or enjoying everyday family life. Sliding glass doors lead to a large backyard, ideal for outdoor activities, gatherings, or simply relaxing. Additional highlights include a 2-car garage, an already equipped laundry room, and a well-designed floor plan that offers both functionality and comfort. Located in the desirable Lake Lucerne community, residents enjoy great amenities, including a clubhouse, swimming pools, playground, and sidewalks for walking. Conveniently situated near Lake Alfred Elementary School, Daniel Jenkins Academy, Haines City Senior High School, as well as shopping, restaurants, and major roads with easy access to US-27, making commuting to Winter Haven, Davenport, and Orlando attractions even more convenient. Investor alert: The property is currently tenant-occupied with a lease in place through November 2026, generating $1,950/month in rental income. After the lease term ends, the new owner may choose to renew the lease or have the tenant vacate. Don’t miss this incredible opportunity!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,004
Sqft
0.17 ac
Lot size
2
Garage
2022
Year built
One
Levels
$170
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.
$2,804 /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
$2,804/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
+8.7%
Days on market
80 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 42% 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 604 SARNER PASS WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 604 SARNER PASS WAY — 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
604 SARNER PASS WAY FAQs
What would the monthly payment be for 604 SARNER PASS WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,804/mo — principal and interest, the actual property-tax bill, the $76/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 604 SARNER PASS WAY?+
The association fee works out to $76 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 604 SARNER PASS WAY?+
The most recent tax bill on record (2025) was $4,998. 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 604 SARNER PASS WAY?+
The listing reports pets: Dogs OK, 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 $340,000, this home is listed about 19% 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 604 SARNER PASS WAY?+
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 WRA BUSINESS & REAL ESTATE · Anderson Siqueira, Sr. MLS #O6404949.
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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