129 MORNING GLORY CIRCLE, WINTER HAVEN, FL, 33884
Pending124 days on marketListed Mar 23, 2026MLS #P4938153
About this home
129 MORNING GLORY CIRCLE
Beautifully maintained and move-in ready, this exceptional home in one of Winter Haven's most sought-after gated communities offers one of the best values in Winterset. Set on a generously sized homesite with mature landscaping and extensive recent updates already completed, all that's left to do is move in and enjoy the Florida lifestyle. Pride of ownership is evident throughout this thoughtfully updated residence featuring nearly 1,900 square feet of comfortable living space and a desirable split-bedroom floor plan. Luxury vinyl plank flooring, abundant natural light, and tastefully updated finishes create a warm, inviting atmosphere that's equally suited for everyday living or entertaining. Major improvements have already been completed for your peace of mind, including a new HVAC system (2023), luxury vinyl plank flooring (2025), interior paint (2025), exterior sealed and painted (2026), water heater (2025), and a professionally cleaned tile roof (2026). These significant updates allow you to move in with confidence, knowing the big-ticket items have already been addressed. Life in Winterset is about more than just the home—it's about the lifestyle. Residents enjoy a heated pool and spa, tennis courts, a clubhouse, and a private boat ramp with access to Lake Winterset and the Winter Haven Chain of Lakes. Whether you enjoy boating, fishing, or peaceful evening walks, you'll appreciate everything this established community has to offer, all with a low HOA. Conveniently located near shopping, dining, medical facilities, golf courses, and major highways, this home is perfectly suited as a full-time residence or seasonal retreat. Why wait to build when you can enjoy an established community, quality updates, and exceptional value today? Move in and start living the Florida lifestyle—without the wait.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,888
Sqft
0.17 ac
Lot size
2
Garage
2002
Year built
One
Levels
$161
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.
$2,439 /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
$2,439/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
+1.9%
$/sqft vs Winter Haven actives
$161 vs $171
Days on market
124 vs 42 typical
Where $161/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.
Where it sits
Inside Winter Haven
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
WINTER HAVEN 33884 — neighborhood snapshot
Population
36,395
Median age
45.3
Median income
$70,516
Median home value
$269,400
Avg household
2.58
Households w/ children
3,777
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
$285K → $287K
Winter Haven median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
198 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 7% above the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 129 MORNING GLORY CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$380,000
168 MORNING GLORY CIRCLE · same community
3 bd · 2 ba · 1,894 sqft · $201/sqft · 64 DOM
Sold · Aug ’25$280,000
188 MORNING DEW COURT · same community
3 bd · 2 ba · 1,730 sqft · $162/sqft · 26 DOM
Sold · Feb ’26$262,500
160 MORNING GLORY CIRCLE · same community
3 bd · 2 ba · 1,433 sqft · $183/sqft · 180 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 129 MORNING GLORY CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 129 MORNING GLORY 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
129 MORNING GLORY CIRCLE FAQs
What would the monthly payment be for 129 MORNING GLORY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,439/mo — principal and interest, the actual property-tax bill, the $52/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 129 MORNING GLORY CIRCLE?+
The association fee works out to $52 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 129 MORNING GLORY CIRCLE?+
The most recent tax bill on record (2025) was $3,638. 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 129 MORNING GLORY 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 Winter Haven?+
At $304,000, this home is listed about 7% above the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 129 MORNING GLORY CIRCLE?+
Elbert Elementary School (elementary), Winter Haven Senior High School (high), Denison 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 LPT REALTY, LLC · Laurie Nock. MLS #P4938153.
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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