245 RAMSGATE WAY, HAINES CITY, FL, 33844
Active28 days on marketListed Jun 26, 2026MLS #P4939151
About this home
245 RAMSGATE WAY
This is the one you have been looking for! Own your land and run your own life as this is a community owned by the residents and we make the decisions (I live here!) The HOA includes everything except your electric bill and lawn mowing! This 1990 Double Wide is 1040 sf plus a front lanai and has a 2024 roof, 2018 AC. The kitchen has engineered hardwood floor and SS Appliances. Washer and Dryer are in the Shed that provides storage space for all those extra items. Great bones for your project as this is quite original. Rehab loans provide the fix you are looking for, such as flooring, window, plumbing, skirting upgrades. Call listing agent for best lenders! Enjoy 18 holes of golf for just $5 green fees in this Gated, Golf Community, located just outside of the city, and approx. 1.25 hrs. from either coast. Great access to Disney, Legoland, and BOK Tower, just to name a few local attractions. In this very friendly, resident-owned community, you can be as active or inactive as you choose! Gatherings at the private Pub or the Community Room, fishing & boating on Lake Henry (dock within the community), gardening, tennis, golf, shuffleboard, pickle ball, horseshoes, swimming in the heated pool, enjoy the hot tub or the 24/7 workout room! Contact this community's website for documents, including Rules/Regs, Application, Financial, and Bylaws. HOA INCLUDES A DVR PLUS 2 HD CABLE BOXES AND INTERNET! (Minimum age in this 55+ community is 50 years old)
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,040
Sqft
0.09 ac
Lot size
1990
Year built
One
Levels
$82
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.
$1,131 /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
$1,131/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
−44.1%
$/sqft vs SWEETWATER GOLF & TENNIS CLUB ADD 01
$82 vs $154
Days on market
28 vs 36 typical
Where $82/sqft sits among the 15 homes for sale in SWEETWATER GOLF & TENNIS CLUB ADD 01
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 Sweetwater Club, 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
$2,100/mo median
Live Haines City rental listing data — this home’s rate depends on size, condition and furnishing.
The Florida short-term market
▼ Softening49%
Occupancy
▼ 25% yr/yr
$198
Avg nightly rate
▲ 7% yr/yr
$24K/yr
Revenue per listing
$105
RevPAR
39 days
Booking lead time
5.2 nights
Avg stay
6
Typical min nights
93
Active rentals
▼ 4% supply
Seasonality — monthly occupancy
Peaks at 59% in Feb · bottoms at 37% in Sep
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Florida — the projection above is specific to this home’s size.
Where it sits
Inside Sweetwater Golf And Tennis Club
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Sweetwater Club is a short-term-rental community. See the full guide →
Sweetwater Golf And Tennis Club — neighborhood snapshot
Population
1,632
Median age
70
Median income
$70,273
Median home value
$28,345
Avg household
2
Households w/ children
15%
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Haines City market
$311K → $320K
Haines City median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
6 of 15
SWEETWATER GOLF & TENNIS CLUB ADD 01 have cut their price
Median sold price, Haines City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 71% below the HAINES CITY 33844 median. See the full Haines City market guide →
Paper trail
This home's history
Reality check
What actually sold near 245 RAMSGATE WAY
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$169,900
16 EDINBURGH DRIVE · same community
2 bd · 2 ba · 1,040 sqft · $163/sqft · 59 DOM
Sold · Apr ’26$149,900
253 RAMSGATE WAY · same community
2 bd · 2 ba · 1,000 sqft · $150/sqft · 115 DOM
Sold · Jan ’26$142,000
103 LEOPOLD LANE · same community
2 bd · 2 ba · 984 sqft · $144/sqft · 282 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 245 RAMSGATE WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 245 RAMSGATE WAY — 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
245 RAMSGATE WAY FAQs
What would the monthly payment be for 245 RAMSGATE WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,131/mo — principal and interest, the actual property-tax bill, the $387/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 245 RAMSGATE WAY?+
The association fee works out to $387 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 245 RAMSGATE WAY?+
The most recent tax bill on record (2025) was $551. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 245 RAMSGATE WAY be rented short-term?+
Yes — this home sits inside Sweetwater Club, 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 245 RAMSGATE WAY?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit, 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 Haines City?+
At $85,000, this home is listed about 73% below the Haines City median of $314,900. The market section on this page shows how the area is trending.
Which schools are assigned to 245 RAMSGATE WAY?+
Lake Alfred Polytech Academy (middle), Haines City Senior High School (high), Horizons Elementary School (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the HAINES CITY 33844 market on paper
$85,000 is 71% below the HAINES CITY 33844 median of $295,000, and at $82/sqft it sits under the Haines City average of $177.
02Zoned for nightly rentals
Sweetwater Club 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.
03Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
04The price has already moved
Listed at $132,900, now $85,000 — a $48K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of GOOD COMPANY REALTY INC. · Sanda Andrews. MLS #P4939151.
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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