144 MORNING GLORY CIRCLE, WINTER HAVEN, FL, 33884
Active125 days on marketListed Mar 26, 2026MLS #P4938259
About this home
144 MORNING GLORY CIRCLE
Welcome to the beautiful waterfront resort-style gated community of Winterset. ! Enjoy the charming 3-bedroom, 2-bathroom home offering a delightful living experience. Built in 2006, this well maintained home is move in ready. The open floor plan seamlessly connects the main living areas, creating a spacious and airy feel throughout. The master bedroom is a serene retreat, complete with ample space, a walk-in closet, and an en-suite bathroom. The additional two bedrooms available for a home office, a guest room, or a personal hobby spa. . Enjoy the resort-style amenities that make this community truly exceptional. The clubhouse serves as a gathering place for residents. The sparkling pool and hot tub invite you to take a refreshing. Bring your boat- ramp available for enjoying Winter Haven’s famous chain-of-lakes.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,433
Sqft
0.19 ac
Lot size
2
Garage
2006
Year built
One
Levels
$202
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.
$2,427 /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
$2,427/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
+3.9%
$/sqft vs Winter Haven actives
$202 vs $173
Days on market
125 vs 42 typical
Where $202/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)
187 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 2% 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 144 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 · Apr ’26$260,500
4741 MANDOLIN LOOP
3 bd · 2 ba · 1,483 sqft · $176/sqft · 4 DOM
Sold · Aug ’25$200,070
4747 MANDOLIN LOOP
3 bd · 2 ba · 1,506 sqft · $133/sqft · 33 DOM
Sold · Jun ’26$280,000
4747 MANDOLIN LOOP
3 bd · 2 ba · 1,506 sqft · $186/sqft · 198 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 144 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 144 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
144 MORNING GLORY CIRCLE FAQs
What would the monthly payment be for 144 MORNING GLORY CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,427/mo — principal and interest, the actual property-tax bill, the $160/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 144 MORNING GLORY CIRCLE?+
The association fee works out to $160 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 144 MORNING GLORY CIRCLE?+
The most recent tax bill on record (2025) was $3,265. 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 144 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 $289,990, this home is listed about 2% 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 144 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 CENTURY 21 WATSON & MYERS REALTY · Sharon Watson. MLS #P4938259.
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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