David Ramirez
Short-Term Rental Eligible
$480,000$490,0005 bd5 ba2,739 sqft$175 /sqft$3,978 /mo all-in ↓

621 COPELAND DRIVE, HAINES CITY, FL, 33844

Active93 days on marketListed May 7, 2026MLS #S5149318

Est. $58K/yr short-term rental revenueReduced $10KPrivate poolSingle Family ResidenceCALABAY PARC AT TOWER LAKE

About this home

621 COPELAND DRIVE

Don't miss this pool home for sale. Photos are NOT virtually staged. Included are furnished and unfurnished pictures so you can see how the house looks currently with furniture and visualize how you can make the rooms fit your decorating style with the unfurnished pictures. No CDD. Come see this open-floorplan home with pool and spa in a gated safe community. The community is called Calabay Parc at Tower Lake. The home can be a primary residence, family vacation home or short-term income rental. Featuring 5 BEDROOMS (including two primary suites, one on each floor), WITH A LOFT/BONUS ROOM, 4 FULL BATHROOMS, 2 HALF BATHROOMS (one of which is accessible directly from the pool/patio area) and a TWO-STORY LIVING ROOM/GREAT ROOM complete with a LARGE HEATED POOL and HOT TUB with an outside screen enclosure! The first floor is an excellent place to entertain, with the open floor plan that brings the kitchen, dining, and living room spaces into one large open area that flows from the front of the home all the way to the back, large sliding glass doors leading out to the large covered lanai with views of the pool and backyard. Ceramic floors with oversized tiles have been installed throughout the entire lower level of the home with luxury vinyl all upstairs. The kitchen features a NEW BUTLER PANTRY, NEW CABINETS in 2023, NEW APPLIANCES in 2023, and NEW MODERN LIGHTING FIXTURES AND NEW GARBAGE DISPOSAL. The lower level main bedroom suite features glass doors and a view of the pool as well as TWO CLOSETS, a large corner-style bathtub. CUSTOM MODERN HANDRAILS ON THE STAIRS. Loft space that could easily be used as an entertainment room, home office, den, play area, or additional bedroom. The second floor of the home is covered in VINYL FLOORING that stretches into the second primary bedroom suite, as well as the third, fourth and fifth bedrooms. Three full bathrooms are located on the upper level, with two in the hallway (one of which has access to the adjoining bedroom) and the third located in the UPPER LEVEL SUITE which also features a separate tub, shower, and closet. Two-car garage complete with finished floors and a level 2 EV CAR charger in the garage, BRAND NEW HVAC (2023) and a NEW ROOF and gutters 10/2024. NEW WATER HEATER IN 2024, NEW POOL AND SPA HEATER IN 12/2023, POOL RESURFACED IN 2024, NEW POOL PUMP MOTOR IN 2024. The community offers a gated guardhouse 24/7 at its entry, a PRIVATE BOAT RAMP AND DOCK right into Tower Lake, a community club house, and the HOA fee even INCLUDES LAWN/GROUNDSKEEPING for all residents!

Facts & features

The home at a glance

5

Bedrooms

5

Bathrooms

2,739

Sqft

0.14 ac

Lot size

2

Garage

2006

Year built

Two

Levels

$175

Per sqft

Private pool

Inside

FlooringCeramic Tile · Luxury Vinyl
AppliancesDishwasher · Disposal · Electric Water Heater · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Living Room/Dining Room Combo · Primary Bedroom Main Floor · Thermostat · Walk-In Closet(s) · Window Treatments
LaundryIn Garage
CoolingCentral Air
HeatingCentral · Electric · Heat Pump

Outside & construction

RoofShingle
ConstructionBlock · Stucco · Wood Frame
FoundationSlab
FacesSouth
ParkingDriveway · Electric Vehicle Charging Station(s) · Garage Door Opener · Garage Faces Side
ExteriorIrrigation System · Lighting · Private Mailbox · Sidewalk · Sliding Doors

Community & fees

HOA fee$233/mo
Taxes (2025)$6,567/yr
PetsBreed Restrictions
CommunityCommunity Boat Ramp · Dock · Lake · Public Boat Ramp · Water Access · Waterfront · Clubhouse · Gated Community - Guard · Sidewalks

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Phone Available · Public · Sewer Connected · Street Lights · Underground Utilities · Water Connected
WaterPublic

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.

$3,978 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,826
FHA mortgage insurance (est.)$212
Property tax — 2025 actual bill$547
HOA fee — from the listing$233
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $16,800Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $16,800
Interest rate6.00%
Loan term

Estimated payment

$3,978/mo

Principal & interest$2,826
FHA mortgage insurance (est.)$212
Property taxes (actual bill)$547
HOA / condo fee$233
Est. insurance$160

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.

$/sqft vs CALABAY PARC AT TOWER LAKE

$175 vs $192

Days on market

93 vs 41 typical

Where $175/sqft sits among the 8 homes for sale in CALABAY PARC AT TOWER LAKE

1
0
4 · this home
0
2
1
$130–151$151–171$171–192$192–212$212–233$233+

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 · projected

$58,273/yr gross

Avg nightly rate$330
Occupancy (comp set)47%
CommunityCalabay Parc at Tower Lake
Fine-tuned for this homePrepared free by our team
Get the free rental analysis

Projected nightly rate, occupancy and annual revenue for this exact home.

Long-term rental

$2,175/mo median

MarketHaines City
Annual gross at median$26,100
Gross yield on this price5.4%
Homes for rent right now115

Live Haines City rental listing data — this home’s rate depends on size, condition and furnishing.

The Haines City short-term market

▼ Softening

40%

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

36%
51%
57%
45%
31%
31%
46%
36%
29%
34%
36%
44%
JanFebMarAprMayJunJulAugSepOctNovDec

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

Map of 621 COPELAND DRIVE inside its neighborhood boundary

Drive times from this address

Walt Disney World26 min
Universal Orlando36 min
Downtown Orlando42 min
Orlando Int’l Airport (MCO)47 min
Downtown Tampa65 min

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

ElementaryAlta Vista Elementary School★★★★★
HighHaines City Senior High School★★★★★
MiddleShelley S. Boone Middle School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Haines City market

Seller’s marketLeans seller4.3 months of inventoryBuyer’s market

$319K$300K

Haines City median sold, yr/yr

98.5%

Sale-to-list ratio (12 mo)

2 of 8

CALABAY PARC AT TOWER LAKE have cut their price

Median sold price, Haines City, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 63% above the HAINES CITY 33844 median. See the full Haines City market guide →

Paper trail

This home's history

CurrentPrice reduced to $480,000 $10K
May 7, 2026Listed at $490,000 · 93 days on market since
2006Built · CALABAY PARC AT TOWER LAKE

Reality check

What actually sold near 621 COPELAND DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

708 EOLA WAYSold · Feb ’26

$450,000

708 EOLA WAY · same community

6 bd · 4 ba · 2,689 sqft · $167/sqft · 49 DOM

504 PINELOCH DRIVESold · Mar ’26

$460,000

504 PINELOCH DRIVE · same community

5 bd · 4.5 ba · 2,689 sqft · $171/sqft · 42 DOM

349 CHEROKEE AVENUESold · Jul ’26

$435,000

349 CHEROKEE AVENUE · same community

5 bd · 5 ba · 2,590 sqft · $168/sqft · 137 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 621 COPELAND DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 621 COPELAND DRIVE — before you fall in love.

See it in person

Schedule a tour

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Goes straight to David’s phone and CRM.

Straight answers

621 COPELAND DRIVE FAQs

What would the monthly payment be for 621 COPELAND DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,978/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 621 COPELAND DRIVE?+

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 621 COPELAND DRIVE?+

The most recent tax bill on record (2025) was $6,567. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Can 621 COPELAND DRIVE 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 621 COPELAND DRIVE?+

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 $480,000, this home is listed about 54% above the Haines City median of $311,190. The market section on this page shows how the area is trending.

Which schools are assigned to 621 COPELAND DRIVE?+

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

Five things that matter here

01Positioned at the premium end

$480,000 runs 63% above the HAINES CITY 33844 median — but at 2,739 sqft it's also 52% larger than the typical Haines City listing.

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

93 days on market against a Haines City median of 41 — sellers in this position are usually ready to negotiate.

05The price has already moved

Listed at $490,000, now $480,000 — a $10K cut. The full history is in the market section below.

Listing courtesy of AMERICAN IDEAL HOMES, LLC · Bernard Scarpa. MLS #S5149318.

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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