302 STERLING DRIVE, WINTER HAVEN, FL, 33884
Active29 days on marketListed Jun 24, 2026MLS #O6419370
About this home
302 STERLING DRIVE
Short Sale. Located in Winter Haven, this 4-bedroom, 2-bath home offers approximately 2,460 square feet of living space with a two-car garage, spacious layout, and private pool. The home's generous floor plan provides multiple living areas and ample space for everyday living, entertaining, or accommodating a variety of household needs. Based on available information and photographs, the property appears to be in generally good cosmetic condition. The home offers an opportunity for buyers seeking a larger residence with a functional layout and desirable outdoor living features. The property includes a screened lanai and pool area; however, buyers are encouraged to independently verify the condition and functionality of the pool and all related equipment. Conveniently located near shopping, dining, schools, and other area amenities, this property combines size, location, and potential in today's market. Buyers are encouraged to conduct thorough inspections and verify the condition and functionality of all systems, components, and improvements. Buyers should verify all information. Agents: Please review all private remarks prior to scheduling a s
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,460
Sqft
0.74 ac
Lot size
2
Garage
1994
Year built
One
Levels
$142
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.
$2,630 /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
$2,630/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
−19.2%
Days on market
29 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 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)
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 23% above the WINTER HAVEN 33884 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 302 STERLING DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 302 STERLING 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
302 STERLING DRIVE FAQs
What would the monthly payment be for 302 STERLING DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,630/mo — principal and interest, the actual property-tax bill, the $24/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 302 STERLING DRIVE?+
The association fee works out to $24 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 302 STERLING DRIVE?+
The most recent tax bill on record (2025) was $2,764. 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 302 STERLING 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 $350,000, this home is listed about 23% 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 302 STERLING 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
01Positioned at the premium end
$350,000 runs 23% above the WINTER HAVEN 33884 median — but at 2,460 sqft it's also 49% larger than the typical Winter Haven listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $365,000, now $350,000 — a $15K cut. The full history is in the market section below.
Listing courtesy of KELLER WILLIAMS ELITE REALTY · Jonathon, PA McLeod. MLS #O6419370.
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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