196 TOWNS CIRCLE, HAINES CITY, FL, 33844
Active8 days on marketListed Jul 25, 2026MLS #O6428208
About this home
196 TOWNS CIRCLE
Better than new and built in 2022, this beautifully maintained 4-bedroom, 3-bathroom home offers 1,988 square feet of thoughtfully designed living space on an oversized lot in one of Haines City's growing communities. Step inside to an open-concept floor plan featuring durable LVP flooring throughout the main living areas, creating a stylish, low-maintenance space ideal for both everyday living and entertaining. The well-appointed kitchen offers ample cabinetry, generous counter space, and a functional layout overlooking the spacious living and dining areas, making it the heart of the home.Designed with comfort and efficiency in mind, this home includes spray foam insulation, providing enhanced energy efficiency, improved indoor comfort, and potential savings on utility costs year-round. The split-bedroom layout offers privacy, with a spacious primary suite serving as a relaxing retreat complete with an en-suite bathroom and generous closet space. Three additional bedrooms and two full bathrooms provide plenty of room for family, guests, or a home office. Outside, the oversized lot offers endless possibilities for outdoor living. Whether you envision adding a pool, creating your dream backyard oasis, or simply enjoying extra space for entertaining, this property provides the flexibility to make it your own. Conveniently located near shopping, dining, schools, parks, golf courses, and major highways, this home also offers easy access to Orlando, Walt Disney World, and other Central Florida attractions. Combining modern construction, energy-efficient features, a spacious floor plan, and an exceptional lot, this move-in-ready home is a rare opportunity you won't want to miss. Schedule your private showing today! No CDD fees!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,988
Sqft
0.13 ac
Lot size
2
Garage
2022
Year built
One
Levels
$176
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.
$2,914 /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
$2,914/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
+4.1%
$/sqft vs ALFORD OAKS
$176 vs $212
Days on market
8 vs 36 typical
Where $176/sqft sits among the 6 homes for sale in ALFORD OAKS
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
$311K → $320K
Haines City median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
1 of 6
ALFORD OAKS have cut their price
Median sold price, Haines City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 19% above the HAINES CITY 33844 median. See the full Haines City market guide →
Paper trail
This home's history
Reality check
What actually sold near 196 TOWNS CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$279,000
304 TOWNS CIRCLE · same community
4 bd · 2 ba · 2,129 sqft · $131/sqft · 136 DOM
Sold · Oct ’25$340,000
112 TOWNS CIRCLE · same community
4 bd · 3 ba · 2,712 sqft · $125/sqft · 442 DOM
Sold · Sep ’25$327,900
2429 LEEDS STREET
4 bd · 2.5 ba · 1,996 sqft · $164/sqft · 250 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 196 TOWNS CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 196 TOWNS CIRCLE — 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
196 TOWNS CIRCLE FAQs
What would the monthly payment be for 196 TOWNS CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,914/mo — principal and interest, the actual property-tax bill, the $60/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 196 TOWNS CIRCLE?+
The association fee works out to $60 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 196 TOWNS CIRCLE?+
The most recent tax bill on record (2025) was $5,768. 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 196 TOWNS CIRCLE?+
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 $349,700, this home is listed about 11% above the Haines City median of $314,900. The market section on this page shows how the area is trending.
Which schools are assigned to 196 TOWNS CIRCLE?+
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 PABLA PROPERTIES · Sunny Pabla. MLS #O6428208.
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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