David Ramirez
$999,999$1,100,000≈$6,901 /mo all-in ↓

0 S HAVENDALE BOULEVARD NW, WINTER HAVEN, FL, 33881

Active322 days on marketListed Sep 16, 2025MLS #P4936313

✦ Reduced $100KWaterfront

About this home

0 S HAVENDALE BOULEVARD NW

Great opportunity in NW Winter Haven area. This lake-front parcel is 3.75 acres and has many potential uses such as Multi-Family, Assisted living, professional Office, Medical Office, Convenience store, and more.

Facts & features

The home at a glance

3.75 ac

Lot size

WaterfrontWater view

Inside

Outside & construction

ViewWater
FacesSouth

Community & fees

Taxes (2024)$11,641/yr

Utilities & systems

UtilitiesElectricity Available · Water Available
WaterCanal/Lake For Irrigation

The numbers

What it really costs

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

$6,901 /mo · 10% down Conventional, 30-yr fixed at 6%

Principal & interest$5,396
PMI (est., until 20% equity)$375
Property tax — 2024 actual bill$970
Insurance (FL estimate)$160

The assumptions

Loan typeConventionalDown payment10% · $100,000Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.

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

FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.

Down payment10% · $100,000
Interest rate6.00%
Loan term

Estimated payment

$6,901/mo

Principal & interest$5,396
PMI (est., until 20% equity)$375
Property taxes (actual bill)$970
Est. insurance$160

Includes estimated PMI — it drops off once you reach 20% equity. 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.

Where it sits

Inside Winter Haven

Map of 0 S HAVENDALE BOULEVARD NW

Drive times from this address

Walt Disney World≈ 42 min
Universal Orlando≈ 52 min
Downtown Tampa≈ 54 min
Downtown Orlando≈ 58 min
Orlando Int’l Airport (MCO)≈ 63 min
Tampa Int’l Airport (TPA)≈ 66 min

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

Get to know Winter Haven. See the full Winter Haven guide →

The numbers that matter

The Winter Haven market

Seller’s marketBalanced — 5.2 months of inventoryBuyer’s market

$283K → $280K

Winter Haven median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

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

This home is listed 251% above the Winter Haven median. See the full Winter Haven market guide →

Paper trail

This home's history

CurrentPrice reduced to $999,999 ▼ $100K
Sep 16, 2025Listed at $1,100,000 · 322 days on market since

Reality check

What actually sold near 0 S HAVENDALE BOULEVARD NW

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

3834 AVENUE O NWSold · Jun ’26

$140,000

3834 AVENUE O NW

1 bd · 1 ba · 480 sqft · $292/sqft · 34 DOM

3407 AVENUE J NWSold · Sep ’25

$140,000

3407 AVENUE J NW

2 bd · 1 ba · 576 sqft · $243/sqft · 111 DOM

1503 33RD STREET NWSold · Aug ’25

$180,000

1503 33RD STREET NW

2 bd · 1 ba · 648 sqft · $278/sqft · 132 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 0 S HAVENDALE BOULEVARD NW — 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 0 S HAVENDALE BOULEVARD NW — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

See it in person

Schedule a tour

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Straight answers

0 S HAVENDALE BOULEVARD NW FAQs

What would the monthly payment be for 0 S HAVENDALE BOULEVARD NW?+

With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $6,901/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 0 S HAVENDALE BOULEVARD NW?+

The most recent tax bill on record (2024) was $11,641. 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 Winter Haven?+

At $999,999, this home is listed about 251% above the Winter Haven median of $284,995. The market section on this page shows how the area is trending.

The brief

Four things that matter here

01Positioned at the premium end

$999,999 runs 251% above the Winter Haven median.

02Waterfront living

This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.

03Time on market is leverage

322 days on market against a Winter Haven median of 46 — sellers in this position are usually ready to negotiate.

04The price has already moved

Listed at $1,100,000, now $999,999 — a $100K cut. The full history is in the market section below.

Keep looking

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Listing courtesy of OSF REAL ESTATE SERVICE · Othner St. Fleurose. MLS #P4936313.

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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0 S HAVENDALE BOULEVARD NW, WINTER HAVEN, FL — $999,999 | CENTURY 21 Edge