1903 3RD STREET NE, WINTER HAVEN, FL, 33881
Active9 days on marketListed Jul 14, 2026MLS #P4939237
About this home
1903 3RD STREET NE
Investor Alert! This solid 3-bedroom, 1-bathroom block home sits on a spacious lot in an established neighborhood with NO HOA. Fully fenced from front to back, the property offers a massive backyard and a generous front yard, complete with a charming enclosed front porch. Capitalize on excellent bones and recent big-ticket upgrade-brand-new roof installed in 2025. While the interior needs some cosmetic updating, it represents the ideal canvas for a savvy investor looking for a high-yield rental or a flip project. Enjoy a prime location just minutes from a local lake, park, community recreation center, sought-after magnet schools, and convenient public transit. Opportunities like this don't last long, so bring your vision and make an offer before it’s too late!
Facts & features
The home at a glance
3
Bedrooms
1
Bathrooms
988
Sqft
0.16 ac
Lot size
1961
Year built
One
Levels
$162
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.
$1,320 /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
$1,320/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
−20.7%
$/sqft vs Winter Haven actives
$162 vs $172
Days on market
9 vs 42 typical
Where $162/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 Florence Villa
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
Florence Villa — neighborhood snapshot
Population
5,369
Median age
39
Median income
$30,573
Median home value
$63,082
Avg household
3
Households w/ children
620
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)
196 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 33% below the WINTER HAVEN 33881 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 1903 3RD STREET NE
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$240,000
1929 4TH STREET NE · same community
3 bd · 2 ba · 1,918 sqft · $125/sqft · 3 DOM
Sold · Jan ’26$135,000
950 AVENUE O NE
3 bd · 1 ba · 1,040 sqft · $130/sqft · 75 DOM
Sold · Oct ’25$140,000
1249 6TH STREET NE
3 bd · 1 ba · 888 sqft · $158/sqft · 0 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 1903 3RD STREET NE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1903 3RD STREET NE — 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
1903 3RD STREET NE FAQs
What would the monthly payment be for 1903 3RD STREET NE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,320/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 1903 3RD STREET NE?+
The most recent tax bill on record (2025) was $1,769. 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 $160,000, this home is listed about 44% below the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1903 3RD STREET NE?+
Fred G. Garner Academy (elementary), Winter Haven Senior High School (high), Lake Alfred Polytech Academy (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY PRESTIGE · Twanna Dewdney. MLS #P4939237.
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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