409 STILLWATER LANE, HAINES CITY, FL, 33844
Active52 days on marketListed Jun 19, 2026MLS #O6417068
About this home
409 STILLWATER LANE
Welcome to 409 Stillwater Lane, Haines City, FL 33844, where modern comfort, convenience, and value come together in one beautiful home! Built in 2019 and situated on an oversized 10,729-square-foot homesite, this move-in-ready 3-bedroom, 2-bathroom home offers 1,655 square feet of thoughtfully designed living space. From the moment you enter, you'll appreciate the bright and open floor plan that creates the perfect setting for everyday living, entertaining guests, and making lasting memories with family and friends. The heart of the home is the beautifully updated kitchen featuring granite countertops, upgraded cabinetry, stainless steel appliances, abundant counter space, and a seamless flow into the spacious dining and living areas. Whether you're preparing weeknight meals or hosting holiday gatherings, this open-concept layout allows everyone to stay connected. Luxury PVC flooring throughout the main living areas adds both style and durability, while comfortable carpeting in the bedrooms provides warmth and comfort. The private owner's suite offers a relaxing retreat with ample space, a walk-in closet, and an en-suite bathroom designed for convenience. Two additional bedrooms provide flexibility for family members, guests, a home office, or hobby space. The split-bedroom floor plan offers added privacy and functionality for today's lifestyle. Step outside and discover one of the home's standout features its generously sized backyard. With over a quarter-acre of property, there is plenty of room for outdoor entertaining, gardening, pets, a future pool, playground equipment, or simply enjoying Florida's beautiful weather year-round. The attached two car garage and extended driveway provide ample parking and storage space. Located within the desirable Orchid Grove area of Haines City, residents enjoy access to resort-style community amenities that may include a clubhouse, swimming pool, fitness center, playground, and dog park, all while benefiting from a low monthly HOA fee of just $64. The community's peaceful atmosphere makes it an excellent choice for families, first-time buyers, and investors alike. Commuters and outdoor enthusiasts will love the prime location. Just minutes from US Highway 27 and Interstate 4, you'll enjoy convenient access to Orlando, Kissimmee, ChampionsGate, Lakeland, and Tampa. Nearby attractions include Walt Disney World Resort, Lake Eva Community Park, Southern Dunes Golf & Country Club, Ridge Island Groves, shopping centers, restaurants, medical facilities, and everyday conveniences. Families will appreciate access to Polk County schools, including Sandhill Elementary, Citrus Ridge: A Civics Academy, and Ridge Community High School. Whether you're searching for your first home, looking to downsize, or seeking a smart investment opportunity in one of Central Florida's fastest-growing areas, 409 Stillwater Lane delivers the perfect combination of location, modern features, community amenities, and exceptional value. Schedule your private showing today and discover why so many buyers are choosing to call Haines City home.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,655
Sqft
0.25 ac
Lot size
2
Garage
2019
Year built
One
Levels
$163
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.
$2,341 /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
$2,341/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
−6.1%
$/sqft vs ORCHID GROVE
$163 vs $187
Days on market
52 vs 44 typical
Where $163/sqft sits among the 7 homes for sale in ORCHID GROVE
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 Haines City
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Haines City. See the full Haines City guide →
HAINES CITY 33844 — neighborhood snapshot
Population
49,133
Median age
39.4
Median income
$60,426
Median home value
$212,700
Avg household
2.9
Households w/ children
5,568
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 → $300K
Haines City median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
2 of 7
ORCHID GROVE have cut their price
Median sold price, Haines City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 9% 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 409 STILLWATER LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$275,000
421 DISA DRIVE · same community
4 bd · 2 ba · 1,600 sqft · $172/sqft · 251 DOM
Sold · Sep ’25$386,000
259 SW 7th Court, Pompano Beach FL 33060 · same community
3 bd · 2.5 ba · 1,598 sqft · $242/sqft · 92 DOM
Sold · Sep ’25$330,000
486 DISA DRIVE · same community
4 bd · 2 ba · 1,767 sqft · $187/sqft · 152 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 409 STILLWATER LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 409 STILLWATER LANE — 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
409 STILLWATER LANE FAQs
What would the monthly payment be for 409 STILLWATER LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,341/mo — principal and interest, the actual property-tax bill, the $64/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 409 STILLWATER LANE?+
The association fee works out to $64 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 409 STILLWATER LANE?+
The most recent tax bill on record (2025) was $4,908. 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 409 STILLWATER LANE?+
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 $269,900, this home is listed about 14% below the Haines City median of $312,450. The market section on this page shows how the area is trending.
Which schools are assigned to 409 STILLWATER LANE?+
Alta Vista Elementary School (elementary), Haines City Senior High School (high), Shelley S. Boone Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Josue Soto. MLS #O6417068.
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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