David Ramirez
Short-Term Rental Eligible
$189,0002 bd2 ba1,152 sqft$164 /sqft$1,940 /mo all-in ↓

6003 HEMINGWAY CIRCLE UNIT 6003, HAINES CITY, FL, 33844

Active37 days on marketListed Jul 2, 2026MLS #O6421115

Priced 36% below the HAINES CITY 33844 medianCondominiumVILLAS AT SOUTHERN DUNES CONDO

About this home

6003 HEMINGWAY CIRCLE UNIT 6003

Welcome to 6003 Hemingway Circle, a Beautifully updated 2 Bedroom, 2 Bathroom ground floor condo located in the HIGHLY sought after Golf Community of Southern Dunes. Whether you're looking for a vacation home, income-producing investment property, or a full-time residence, this MOVE-IN ready condo is an outstanding opportunity. Recent updates include Kitchen Cabinets, Granite Countertops, Stainless Appliances, Ceramic Cile flooring, and Luxury Vinyl plank Flooring creating a modern and stylish living throughout. The open-concept floor plan offers a spacious living and dining area, perfect for relaxing or entertaining friends & family. Additional conveniences include a separate laundry room, additional exterior storage just outside the entrance to the unit. NEW HVAC in 2025 providing added peace of mind. Ideally situated just a short walk to the community pool,. Additional amenities for residents to enjoy within the Southern Dunes Community include, fitness center, Clubhouse, a Championship Golf Course, 24-hour Gated Security, Tennis Courts, multiple Community Pools, a driving range, fitness center. Conveniently located approximately 35 minute drive to Disney attractions. Close to major highways, shopping, dining, and with easy access to Tampa and Florida's beautiful Gulf Coast beaches, This property truly offers the best of Central Florida living. Don't miss your chance to own this Fantastic condo in one of Central Florida's premier golf communities!

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,152

Sqft

0 ac

Lot size

2002

Year built

One

Levels

$164

Per sqft

Pets allowed

Inside

FlooringCeramic Tile · Luxury Vinyl
AppliancesDishwasher · Disposal · Microwave · Range · Refrigerator
InteriorLiving Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom · Stone Counters · Thermostat · Walk-In Closet(s)
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionWood Frame (FSC Certified)
FoundationBlock
FacesWest
ParkingOpen
ExteriorBalcony · Sidewalk · Sprinkler Metered · Storage

Community & fees

HOA fee$294/mo
Taxes (2025)$3,483/yr
PetsCats OK, Dogs OK, Yes
CommunityClubhouse · Deed Restrictions · Fitness Center · Gated Community - Guard · Golf Carts OK · Golf · Playground · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Public · Water Connected
WaterPublic

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.

$1,940 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,113
FHA mortgage insurance (est.)$84
Property tax — 2025 actual bill$290
Condo fee — from the listing$294
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $6,615Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $6,615
Interest rate6.00%
Loan term

Estimated payment

$1,940/mo

Principal & interest$1,113
FHA mortgage insurance (est.)$84
Property taxes (actual bill)$290
HOA / condo fee$294
Est. insurance$160

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.

List $189K
$163KedgeAI estimate $173,498 · range $169K$182K$197K

vs edgeAI estimate

+8.9%

$/sqft vs Haines City actives

$164 vs $174

Days on market

37 vs 42 typical

Where $164/sqft sits among the 399 Haines City actives

53
114 · this home
138
46
24
24
$117–142$142–167$167–193$193–218$218–243$243+

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 Southern Dunes Golf Course, 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

Nightly rentalsAllowed
CommunitySouthern Dunes Golf Course
Fine-tuned for this homePrepared free by our team
Get the free rental analysis

Projected nightly rate, occupancy and annual revenue for this exact home.

Long-term rental

$2,175/mo median

MarketHaines City
Annual gross at median$26,100
Gross yield on this price13.8%
Homes for rent right now117

Live Haines City rental listing data — this home’s rate depends on size, condition and furnishing.

The Haines City short-term market

▼ Softening

40%

Occupancy

▼ 33% yr/yr

$210

Avg nightly rate

▲ 4% yr/yr

$17K/yr

Revenue per listing

$87

RevPAR

69 days

Booking lead time

6.4 nights

Avg stay

3

Typical min nights

447

Active rentals

▼ 5% supply

Seasonality — monthly occupancy

Peaks at 57% in Mar · bottoms at 29% in Sep

36%
51%
57%
45%
31%
31%
46%
36%
29%
34%
36%
44%
JanFebMarAprMayJunJulAugSepOctNovDec

Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Haines City — the projection above is specific to this home’s size.

Where it sits

Inside Southern Dunes Golf Course

Map of 6003 HEMINGWAY CIRCLE UNIT 6003 inside its neighborhood boundary

Drive times from this address

Walt Disney World27 min
Universal Orlando37 min
Downtown Orlando43 min
Orlando Int’l Airport (MCO)48 min
Downtown Tampa66 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Southern Dunes Golf Course is a short-term-rental community. See the full guide →

Southern Dunes Golf Course — neighborhood snapshot

Population

2,225

Median age

55

Median income

$49,511

Median home value

$265,000

Avg household

3

Households w/ children

120

For the school run

Polk County School District

HighHaines City Senior High School★★★★★
ElementaryHorizons Elementary School★★★★
MiddleLake Alfred Polytech Academy★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Haines City market

Seller’s marketLeans seller4.3 months of inventoryBuyer’s market

$319K$300K

Haines City median sold, yr/yr

98.5%

Sale-to-list ratio (12 mo)

191 of 399

Haines City actives have cut their price

Median sold price, Haines City, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 36% below the HAINES CITY 33844 median. See the full Haines City market guide →

Paper trail

This home's history

Jul 2, 2026Listed at $189,000 · 37 days on market since
2002Built · VILLAS AT SOUTHERN DUNES CONDO

Reality check

What actually sold near 6003 HEMINGWAY CIRCLE UNIT 6003

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

5014 HEMINGWAY CIRCLE UNIT 5014Sold · Mar ’26

$180,180

5014 HEMINGWAY CIRCLE UNIT 5014 · same community

2 bd · 2 ba · 1,152 sqft · $156/sqft · 139 DOM

5013 HEMINGWAY CIRCLE UNIT 5013Sold · Aug ’25

$185,000

5013 HEMINGWAY CIRCLE UNIT 5013 · same community

2 bd · 2 ba · 1,152 sqft · $161/sqft · 12 DOM

1007 HEMINGWAY CIRCLE UNIT 1007Sold · Nov ’25

$153,800

1007 HEMINGWAY CIRCLE UNIT 1007 · same community

1 bd · 1 ba · 808 sqft · $190/sqft · 29 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 6003 HEMINGWAY CIRCLE UNIT 6003 — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 6003 HEMINGWAY CIRCLE UNIT 6003 — before you fall in love.

See it in person

Schedule a tour

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Goes straight to David’s phone and CRM.

Straight answers

6003 HEMINGWAY CIRCLE UNIT 6003 FAQs

What would the monthly payment be for 6003 HEMINGWAY CIRCLE UNIT 6003?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,940/mo — principal and interest, the actual property-tax bill, the $294/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 6003 HEMINGWAY CIRCLE UNIT 6003?+

The association fee works out to $294 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 6003 HEMINGWAY CIRCLE UNIT 6003?+

The most recent tax bill on record (2025) was $3,483. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Can 6003 HEMINGWAY CIRCLE UNIT 6003 be rented short-term?+

Yes — this home sits inside Southern Dunes Golf Course, 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 6003 HEMINGWAY CIRCLE UNIT 6003?+

The listing reports pets: Cats OK, 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 Haines City?+

At $189,000, this home is listed about 39% below the Haines City median of $311,390. The market section on this page shows how the area is trending.

Which schools are assigned to 6003 HEMINGWAY CIRCLE UNIT 6003?+

Haines City Senior High School (high), Horizons Elementary School (elementary), Lake Alfred Polytech Academy (middle) — Polk County School District. Always verify school assignments with the district before relying on them.

Listing courtesy of REAL BROKER, LLC · Abby Anderson Hayes, LLC. MLS #O6421115.

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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