700 MIRROR TERRACE NW UNIT 303, WINTER HAVEN, FL, 33881
Active455 days on marketListed May 6, 2025MLS #P4934745
About this home
700 MIRROR TERRACE NW UNIT 303
Welcome to SPRING LAKE TOWERS, a premier 55+ community in Winter Haven, Florida offering a relaxed lakefront lifestyle with this well-maintained 2-bedroom, 2-bath condo featuring an open floor plan with stunning lake views, a 12' x 22' great room connected to the kitchen via convenient pass-through, spacious 12' x 18' Primary suite with private bathroom and walk-in closet, 10' x 13' second bedroom adjacent to guest bathroom with tub/shower, and a versatile 7' x 23' Florida room perfect for home office, hobbies, or relaxation. The all-inclusive condo fee covers cable TV, internet, water, sewer, trash removal, building maintenance (exterior, roof, insurance), reserve funds, common area upkeep, on-site management, and access to all community amenities including swimming pool, exercise room, recreation room with kitchen, library, game area, shuffleboard, laundry facilities, and active social calendar with enhanced security features. Situated on the "Chain of Lakes" for fishing, boating, and water activities with boat slips available for a reasonable fee (verify with management), this property boasts a rare assigned covered parking space in close proximity to the unit and is adjacent to Northgate shopping plaza featuring Publix, restaurants, and services, minutes from medical facilities, Winter Haven Hospital, places of worship, and downtown. No pets or smoking permitted. This perfect full-time residence or seasonal retreat (measurements approximate, information believed accurate but not guaranteed).
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,029
Sqft
1970
Year built
One
Levels
$97
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.
$1,457 /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
$1,457/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
−29.1%
$/sqft vs Winter Haven actives
$97 vs $170
Days on market
455 vs 47 typical
Where $97/sqft sits among the 400 Winter Haven actives
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 Spring Lake, 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
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$1,798/mo median
Live Winter Haven rental listing data — this home’s rate depends on size, condition and furnishing.
The Orlando short-term market
▼ Softening50%
Occupancy
▼ 25% yr/yr
$252
Avg nightly rate
▲ 17% yr/yr
$29K/yr
Revenue per listing
$125
RevPAR
53 days
Booking lead time
4.7 nights
Avg stay
4
Typical min nights
4,364
Active rentals
▲ 10% supply
Seasonality — monthly occupancy
Peaks at 57% in Feb · bottoms at 39% in Jun
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Orlando — the projection above is specific to this home’s size.
Where it sits
Inside Spring Lake
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Spring Lake is a short-term-rental community. See the full guide →
WINTER HAVEN 33881 — neighborhood snapshot
Population
39,189
Median age
43.6
Median income
$53,867
Median home value
$177,400
Avg household
2.61
Households w/ children
3,730
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
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
196 of 400
Winter Haven actives have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 59% below the WINTER HAVEN 33881 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 700 MIRROR TERRACE NW UNIT 303
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$103,000
700 MIRROR TERRACE NW UNIT 702 · same community
2 bd · 2 ba · 1,190 sqft · $87/sqft · 273 DOM
Sold · Dec ’25$164,500
700 MIRROR TERRACE NW UNIT 403 · same community
2 bd · 2 ba · 1,190 sqft · $138/sqft · 220 DOM
Sold · Dec ’25$92,000
700 MIRROR TERRACE NW UNIT 603 · same community
2 bd · 2 ba · 1,190 sqft · $77/sqft · 19 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 700 MIRROR TERRACE NW UNIT 303 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 700 MIRROR TERRACE NW UNIT 303 — 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
700 MIRROR TERRACE NW UNIT 303 FAQs
What would the monthly payment be for 700 MIRROR TERRACE NW UNIT 303?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,457/mo — principal and interest, the actual property-tax bill, the $650/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 700 MIRROR TERRACE NW UNIT 303?+
The association fee works out to $650 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 700 MIRROR TERRACE NW UNIT 303?+
The most recent tax bill on record (2024) was $180. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 700 MIRROR TERRACE NW UNIT 303 be rented short-term?+
Yes — this home sits inside Spring Lake, 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 700 MIRROR TERRACE NW UNIT 303?+
The listing reports pets: No. 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 $99,900, this home is listed about 65% below the Winter Haven median of $284,990. The market section on this page shows how the area is trending.
Which schools are assigned to 700 MIRROR TERRACE NW UNIT 303?+
Lake Alfred Polytech Academy (middle), Fred G. Garner Academy (elementary), Winter Haven Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Five things that matter here
01Under the WINTER HAVEN 33881 market on paper
$99,900 is 59% below the WINTER HAVEN 33881 median of $245,000, and at $97/sqft it sits under the Winter Haven average of $174.
02Zoned for nightly rentals
Spring Lake is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
04Know the monthly fee
The association fee is $650/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
05Time on market is leverage
455 days on market against a Winter Haven median of 47 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Kevin Tison. MLS #P4934745.
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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