
176 MINNIEHAHA CIRCLE, HAINES CITY, FL, 33844
Active110 days on marketListed Apr 21, 2026MLS #S5148370
About this home
176 MINNIEHAHA CIRCLE
Sellers LENDER will contribute to buyers closing costs or rate buy down. Located on the small, well-maintained gated community of Calabay Parc at Tower Lake, this beautiful single story, 4 bedroom/3 bathroom pool home is a much loved family vacation home used solely by the original owners - especially for extended periods during the winter months.This home has never been a short term rental property, although it may be licensed for short term rental,long term tenancy, as well as a primary family home - versatility being the key to this home and community. The owners have made many upgrades to this property over the years to include granite counters in the kitchen, breakfast nook and the 3 bathrooms. The majority of the original flooring has been replaced with beautiful hardwood or laminate flooring.The bedrooms have carpet.With the owners living in the home for months at a time, it has been exceptionally well maintained both internally and externally.The air conditioning was replaced in 2017 and is serviced twice a year. The indoor thermostat was replaced in the fall of 2025. The hot water tank was replaced in 2020. The roof was replaced in June 2023. The gas pool heater was replaced in 2018, while a Jandy 1.65 Hp FloPro Variable Pool Pump was installed in 2024. The exterior of the home was repainted in 2025. Florida screens were installed around the pool deck in early 2026.The interior layout of the home offers the convenience of open plan living with the kitchen and breakfast nook opening onto the family room which looks onto the attractive screened-in pool deck with integrated spa. For more formal or family occasions there is a well sized separate dining room. There are 4 very well proportioned bedrooms, two of which are primary en-suite bedrooms overlooking the pool.One of the primary en-suite bedrooms has 2 walk-in closets. Calabay Parc at Tower Lake offers residents 24 hour security service, regular lawn cutting, as well as a residents' Clubhouse with fitness room and a function room. There is also access to the community boat ramp with dock, specifically for residents use, onto Tower Lake for those who like to fish, boat or water ski. US Hwy 27 is just a couple of minutes drive away, providing easy access to local shopping, a wide selection of restaurants, schools, and the nearby hospital, and a wide range of golf courses. Posner Park retail and entertainment plaza, together with the junction 55 intersection for I-4 East and West is only 7 miles away, offering ease of access to Orlando for work or leisure including visiting the theme park attractions and outlet shopping. So whether you are looking for your forever home or an income producing property then look no further than this home.Please note the home is currently furnished but the furniture will not convey upon sale of the property. Please be aware this property is equipped with active security cameras. Buyers and agents should assume they are being recorded during showings and should avoid discussing offers or negotiations while on the property.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,956
Sqft
0.18 ac
Lot size
2
Garage
2007
Year built
One
Levels
$192
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.
$3,284 /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
$3,284/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
+0.5%
$/sqft vs Haines City actives
$192 vs $173
Days on market
110 vs 44 typical
Where $192/sqft sits among the 399 Haines City 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 Calabay Parc at Tower Lake, 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
$2,188/mo median
Live Haines City rental listing data — this home’s rate depends on size, condition and furnishing.
The Haines City short-term market
▼ Softening40%
Occupancy
▼ 33% yr/yr
$210
Avg nightly rate
▲ 4% yr/yr
$17K/yr
Revenue per listing
$87
RevPAR
69 days
Booking lead time
6.4 nights
Avg stay
3
Typical min nights
447
Active rentals
▼ 5% supply
Seasonality — monthly occupancy
Peaks at 57% in Mar · bottoms at 29% in Sep
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Haines City — the projection above is specific to this home’s size.
Where it sits
Inside Calabay Parc at Tower Lake
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Calabay Parc at Tower Lake is a short-term-rental community. See the full guide →
HAINES CITY 33844 — neighborhood snapshot
Population
49,133
Median age
39.4
Median income
$60,426
Median home value
$212,700
Avg household
2.9
Households w/ children
5,568
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
$319K → $300K
Haines City median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
188 of 399
Haines City actives have cut their price
Median sold price, Haines City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 27% above the HAINES CITY 33844 median. See the full Haines City market guide →
Paper trail
This home's history
Reality check
What actually sold near 176 MINNIEHAHA 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$350,000
135 MINNIEHAHA CIRCLE · same community
4 bd · 3 ba · 1,956 sqft · $179/sqft · 11 DOM
Sold · May ’26$350,000
158 MINNIEHAHA CIRCLE · same community
4 bd · 3 ba · 1,956 sqft · $179/sqft · 43 DOM
Sold · Sep ’25$340,000
189 MINNIEHAHA CIRCLE · same community
4 bd · 3 ba · 1,833 sqft · $185/sqft · 59 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 176 MINNIEHAHA CIRCLE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 176 MINNIEHAHA 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
176 MINNIEHAHA CIRCLE FAQs
What would the monthly payment be for 176 MINNIEHAHA CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,284/mo — principal and interest, the actual property-tax bill, the $233/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 176 MINNIEHAHA CIRCLE?+
The association fee works out to $233 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 176 MINNIEHAHA CIRCLE?+
The most recent tax bill on record (2025) was $6,210. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 176 MINNIEHAHA CIRCLE be rented short-term?+
Yes — this home sits inside Calabay Parc at Tower Lake, 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 176 MINNIEHAHA CIRCLE?+
The listing reports pets: Breed Restrictions. 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 $375,000, this home is listed about 20% above the Haines City median of $312,450. The market section on this page shows how the area is trending.
Which schools are assigned to 176 MINNIEHAHA CIRCLE?+
Alta Vista Elementary School (elementary), Haines City Senior High School (high), Shelley S. Boone Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$375,000 runs 27% above the HAINES CITY 33844 median.
02Zoned for nightly rentals
Calabay Parc at Tower Lake 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.
03Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
04Time on market is leverage
110 days on market against a Haines City median of 44 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of CHAMPION HOMES · Linda Sanders. MLS #S5148370.
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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