David Ramirez
$220,000≈$1,560 /mo all-in ↓

WHITE CLAY PIT ROAD, HAINES CITY, FL, 33844

Active15 days on marketListed Jul 21, 2026MLS #O6426865

✦ Priced 29% below the Haines City median

About this home

WHITE CLAY PIT ROAD

Build your dream home on this beautiful 1.00-acre vacant lot located in Haines City, FL 33844 (PID: 27-28-11-000000-013030). Enjoy the privacy and flexibility of country-style living with no HOA while remaining just a short drive to shopping, dining, schools, medical facilities, and major roadways, including US-27. This level parcel offers excellent potential for a custom home, weekend retreat, or long-term investment in one of Polk County's growing areas. Electricity is nearby. Water: Private Well required. Sewer: Private Septic system required. Buyer is responsible for verifying all zoning, land use, dimensions, utility availability, and development requirements with Polk County.

Facts & features

The home at a glance

1 ac

Lot size

Inside

Outside & construction

Community & fees

Taxes (2025)$88/yr

Utilities & systems

UtilitiesOther
WaterNone

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$1,560 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,295
FHA mortgage insurance (est.)$97
Property tax — 2025 actual bill$7
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $7,700Loan30-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

Get my real numbersCall

Run your own numbers

Loan type
Down payment3.5% · $7,700
Interest rate6.00%
Loan term

Estimated payment

$1,560/mo

Principal & interest$1,295
FHA mortgage insurance (est.)$97
Property taxes (actual bill)$7
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.

The numbers that matter

The Haines City market

Seller’s marketLeans seller — 4.3 months of inventoryBuyer’s market

$319K → $300K

Haines City median sold, yr/yr

98.5%

Sale-to-list ratio (12 mo)

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

This home is listed 29% below the Haines City median. See the full Haines City market guide →

Paper trail

This home's history

Jul 21, 2026Listed at $220,000 · 15 days on market since

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 WHITE CLAY PIT ROAD — start here.

CallText
david.ramirez@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for WHITE CLAY PIT ROAD — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

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Straight answers

WHITE CLAY PIT ROAD FAQs

What would the monthly payment be for WHITE CLAY PIT ROAD?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,560/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on WHITE CLAY PIT ROAD?+

The most recent tax bill on record (2025) was $88. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

How does the price compare to other homes in Haines City?+

At $220,000, this home is listed about 29% below the Haines City median of $310,495. The market section on this page shows how the area is trending.

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Listing courtesy of SUNLAND REAL ESTATE, LLC. · Javier Santana. MLS #O6426865.

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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WHITE CLAY PIT ROAD, HAINES CITY, FL — $220,000 | CENTURY 21 Edge