409 21ST STREET SW, WINTER HAVEN, FL, 33880
Active74 days on marketListed May 21, 2026MLS #P4938761
About this home
409 21ST STREET SW
Stunning 2 story 3 bath Spanish home with attention to details. This home has been renovated, roof was complete in 2019, painted inside and out in 2020, new A/C in 2023, electric and plumbing and the sprinkler system in 2023. Upon entering into the family room, you will immediately notice the vaulted beam ceilng along with the 20foot high fireplace. There are built-ins and bookcases throughout the home. Walking up into the kitchen, there is granite throughout and stainless steel appliances, along with a breakfast nook. There is a beautiful flooring throughout the home. On the first floor, there is another sitting room,along with a bedroom and a additional renovated full bath. On the second floor, it provides the laundry room and two more bedrooms and two full bathrooms that have been tastefully renovated. Going outside, there is convered area where you can relax and the property is completely fenced in. Another great feature is a detached studio that has been
Facts & features
The home at a glance
4
Bedrooms
1
Bathrooms
2,322
Sqft
0.4 ac
Lot size
2
Garage
1926
Year built
Two
Levels
$237
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 — not generic estimates.
$4,067 /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
$4,067/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
+48.8%
$/sqft vs Winter Haven actives
$237 vs $170
Days on market
74 vs 46 typical
Where $237/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 West Haven, 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
$1,800/mo median
Live Winter Haven rental listing data — this home’s rate depends on size, condition and furnishing.
The Four Corners short-term market
▼ Softening48%
Occupancy
▼ 37% yr/yr
$325
Avg nightly rate
▲ 13% yr/yr
$38K/yr
Revenue per listing
$151
RevPAR
78 days
Booking lead time
5.7 nights
Avg stay
3
Typical min nights
11,479
Active rentals
▼ 20% supply
Seasonality — monthly occupancy
Peaks at 57% in Jul · bottoms at 36% in Jun
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Four Corners — the projection above is specific to this home’s size.
Where it sits
Inside West Haven
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
West Haven is a short-term-rental community. See the full guide →
The numbers that matter
The Winter Haven market
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
191 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 93% above the Winter Haven median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 409 21ST STREET SW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$315,000
1156 NORMANDY HEIGHTS CIRCLE
4 bd · 2 ba · 2,348 sqft · $134/sqft · 5 DOM
Sold · Oct ’25$370,000
714 SUNSET COVE DRIVE
4 bd · 2.5 ba · 2,215 sqft · $167/sqft · 27 DOM
Sold · Sep ’25$360,000
818 SUMMER GLEN DRIVE
4 bd · 2.5 ba · 2,206 sqft · $163/sqft · 5 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 409 21ST STREET SW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 409 21ST STREET SW — 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
409 21ST STREET SW FAQs
What would the monthly payment be for 409 21ST STREET SW?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,067/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 409 21ST STREET SW?+
The most recent tax bill on record (2025) was $5,112. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 409 21ST STREET SW be rented short-term?+
Yes — this home sits inside West Haven, 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 409 21ST STREET SW?+
The listing reports pets: Cats OK, Dogs OK. 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 $550,000, this home is listed about 93% above the Winter Haven median of $284,995. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Joni Reiter. MLS #P4938761.
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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