David Ramirez
Short-Term Rental Eligible
$355,0003 bd2 ba1,685 sqft$211 /sqft$2,966 /mo all-in ↓

2263 MALLORY CIRCLE, HAINES CITY, FL, 33844

Active66 days on marketListed May 28, 2026MLS #S5150735

Est. $37K/yr short-term rental revenuePrivate poolSingle Family ResidenceSOUTHERN DUNES, CARIBBEAN COVE

About this home

2263 MALLORY CIRCLE

Located in the highly sought-after gated golf community of Southern Dunes in Haines City, this beautifully maintained 3-bedroom, 2-bathroom heated saltwater pool home offers golf course views, short-term rental flexibility, and the perfect blend of comfort, lifestyle, and investment potential. Whether you’re searching for a primary residence, vacation home, or Airbnb investment property near Disney, this home checks all the boxes. Surrounded by swaying palm trees and lush tropical landscaping, the home welcomes you with vaulted ceilings, abundant natural light, and an open-concept layout designed for both relaxing and entertaining. The spacious living area flows seamlessly into the formal dining space, while large windows showcase peaceful outdoor views throughout the home. The kitchen features granite countertops, rich wood cabinetry, matching appliances, and a cozy breakfast nook surrounded by aquarium-style windows overlooking the pool area, creating the perfect setting for morning coffee or casual dining. The split-bedroom floor plan provides added privacy, with a spacious primary suite featuring private lanai access, a large walk-in closet, dual vanities, and a walk-in shower. Two additional bedrooms offer flexibility for guests, a home office, or additional sleeping accommodations for vacation rental guests. Step outside to your private screened lanai overlooking the sparkling heated saltwater pool and spa with beautiful golf course frontage along the 6th hole. Whether enjoying sunset views, entertaining guests, or spending quiet evenings poolside, this outdoor space captures the very best of Florida living. Southern Dunes is one of Central Florida’s most desirable gated golf communities, known for its 24-hour guarded entrance, championship golf course, community pools, tennis courts, playground, and low HOA fees. Conveniently located near shopping, dining, major highways, and Central Florida attractions including Walt Disney World, this property offers exceptional accessibility for homeowners and vacation guests alike. SPECIAL FINANCING INCENTIVE AVAILABLE! Why wait for rates to come down? Qualified buyers may be eligible for a lender-paid 1-0 temporary rate buydown providing a first-year payment equivalent to an interest rate 1% lower than the note rate, with no increase to the standard note rate. Buyer qualification required. Subject to lender approval and program guidelines. Contact listing agent for details.

Facts & features

The home at a glance

3

Bedrooms

2

Bathrooms

1,685

Sqft

0.11 ac

Lot size

2

Garage

1998

Year built

One

Levels

$211

Per sqft

Private poolNegotiable

Inside

FlooringCarpet · Ceramic Tile
AppliancesDishwasher · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · Primary Bedroom Main Floor · Split Bedroom · Vaulted Ceiling(s) · Walk-In Closet(s)
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingCentral
FurnishedNegotiable

Outside & construction

RoofShingle
ConstructionStucco
FoundationSlab
FacesSouthwest
ParkingGarage Door Opener
ExteriorIrrigation System

Community & fees

HOA fee$74/mo
Taxes (2024)$5,816/yr
PetsBreed Restrictions
CommunityAssociation Recreation - Owned · Clubhouse · Deed Restrictions · Gated Community - Guard · Golf Carts OK · Golf · Playground · Pool · Sidewalks · Tennis Court(s)

Utilities & systems

UtilitiesElectricity 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.

$2,966 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,090
FHA mortgage insurance (est.)$157
Property tax — 2024 actual bill$485
HOA fee — from the listing$74
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $12,425Loan30-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% · $12,425
Interest rate6.00%
Loan term

Estimated payment

$2,966/mo

Principal & interest$2,090
FHA mortgage insurance (est.)$157
Property taxes (actual bill)$485
HOA / condo fee$74
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.

List $355K
$314KedgeAI estimate $330,581 · range $327K$342K$369K

vs edgeAI estimate

+7.4%

$/sqft vs Haines City actives

$211 vs $173

Days on market

66 vs 36 typical

Where $211/sqft sits among the 400 Haines City actives

48
86
120
73
39 · this home
34
$112–135$135–158$158–181$181–204$204–227$227+

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 Southern Dunes Golf Course, 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

$36,779/yr gross

Avg nightly rate$205
Occupancy (comp set)49%
CommunitySouthern Dunes Golf Course
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

$2,100/mo median

MarketHaines City
Annual gross at median$25,200
Gross yield on this price7.1%
Homes for rent right now148

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 Southern Dunes Golf Course

Map of 2263 MALLORY CIRCLE inside its neighborhood boundary

Drive times from this address

Walt Disney World29 min
Universal Orlando39 min
Downtown Orlando45 min
Orlando Int’l Airport (MCO)50 min
Downtown Tampa68 min

Estimated driving times, typical traffic. Data © OpenStreetMap contributors.

Southern Dunes Golf Course is a short-term-rental community. See the full guide →

Southern Dunes Golf Course — neighborhood snapshot

Population

2,225

Median age

55

Median income

$49,511

Median home value

$265,000

Avg household

3

Households w/ children

120

For the school run

Polk County School District

HighHaines City Senior High School★★★★★
ElementaryHorizons Elementary School★★★★
MiddleLake Alfred Polytech Academy★★★★

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

The numbers that matter

The Haines City market

Seller’s marketBalanced5.7 months of inventoryBuyer’s market

$311K$320K

Haines City median sold, yr/yr

98.5%

Sale-to-list ratio (12 mo)

176 of 400

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 20% above the HAINES CITY 33844 median. See the full Haines City market guide →

Paper trail

This home's history

May 28, 2026Listed at $355,000 · 66 days on market since
1998Built · SOUTHERN DUNES, CARIBBEAN COVE

Reality check

What actually sold near 2263 MALLORY CIRCLE

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

2213 MALLORY CIRCLESold · Sep ’25

$375,000

2213 MALLORY CIRCLE · same community

4 bd · 2.5 ba · 2,163 sqft · $173/sqft · 11 DOM

1608 FOREST HILLS LANESold · Mar ’26

$330,000

1608 FOREST HILLS LANE

4 bd · 2 ba · 1,689 sqft · $195/sqft · 629 DOM

1152 MARINER CAY DRIVESold · Jan ’26

$325,000

1152 MARINER CAY DRIVE

4 bd · 3 ba · 1,644 sqft · $198/sqft · 129 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 2263 MALLORY CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 2263 MALLORY 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.

Goes straight to David’s phone and CRM.

Straight answers

2263 MALLORY CIRCLE FAQs

What would the monthly payment be for 2263 MALLORY CIRCLE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,966/mo — principal and interest, the actual property-tax bill, the $74/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 2263 MALLORY CIRCLE?+

The association fee works out to $74 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 2263 MALLORY CIRCLE?+

The most recent tax bill on record (2024) was $5,816. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Can 2263 MALLORY CIRCLE be rented short-term?+

Yes — this home sits inside Southern Dunes Golf Course, 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 2263 MALLORY 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 $355,000, this home is listed about 13% above the Haines City median of $314,900. The market section on this page shows how the area is trending.

Which schools are assigned to 2263 MALLORY CIRCLE?+

Haines City Senior High School (high), Horizons Elementary School (elementary), Lake Alfred Polytech Academy (middle) — Polk County School District. Always verify school assignments with the district before relying on them.

The brief

Three things that matter here

01Positioned at the premium end

$355,000 runs 20% above the HAINES CITY 33844 median.

02Zoned for nightly rentals

Southern Dunes Golf Course 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.

Listing courtesy of KELLER WILLIAMS ADVANTAGE III · Shanta Navarro. MLS #S5150735.

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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