2230 W CENTRAL AVENUE, WINTER HAVEN, FL, 33880
Active26 days on marketListed Jun 29, 2026MLS #S5152674
About this home
2230 W CENTRAL AVENUE
NO HOA. NO CDD. IN GROUND POOL. NEW HVAC. NEW ROOF. Welcome to 2230 W Central Ave, where timeless character meets modern updates on an oversized double lot in the heart of Winter Haven. This well-maintained 3-bedroom, 2-bath home offers comfortable living with inviting spaces designed for everyday life and entertaining. Step inside to a welcoming parlor that flows into the dining room, creating a warm and functional layout. The kitchen features a picturesque window overlooking the backyard and includes Samsung stainless steel appliances. Just off the kitchen, the spacious family room provides a cozy retreat with direct access to the LARGE screened porch. The backyard is the true centerpiece of this property. Enjoy Florida living year-round with a large screened enclosure surrounding the sparkling in-ground pool, offering plenty of space for outdoor dining, relaxing, and entertaining family and friends. Recent improvements provide added value and peace of mind, including a NEW ROOF installed in November 2024, a NEW HVAC Carrier system installed in 2022, and an A.O. Smith water heater. Outdoor enthusiasts will appreciate the public boat ramp to Lake Howard just two blocks away, along with ample driveway parking for your boat, trailer, or additional vehicles. With its spacious lot, major updates, fantastic outdoor living space, and convenient location close to shopping, dining, parks, and the Chain of Lakes, this move-in-ready home is a wonderful opportunity. Come see this gem today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,788
Sqft
0.31 ac
Lot size
1951
Year built
One
Levels
$182
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.
$2,602 /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
$2,602/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
+2.2%
$/sqft vs Winter Haven actives
$182 vs $171
Days on market
26 vs 42 typical
Where $182/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 Winter Haven
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
WINTER HAVEN 33880 — neighborhood snapshot
Population
42,336
Median age
36.5
Median income
$56,803
Median home value
$200,900
Avg household
2.8
Households w/ children
5,516
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)
195 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 44% above the WINTER HAVEN 33880 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 2230 W CENTRAL AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$299,000
203 22ND STREET NW · same community
3 bd · 2 ba · 1,704 sqft · $175/sqft · 9 DOM
Sold · Oct ’25$355,000
130 22ND STREET NW · same community
3 bd · 2 ba · 1,622 sqft · $219/sqft · 6 DOM
Sold · May ’26$350,000
122 22ND STREET NW · same community
3 bd · 2 ba · 1,595 sqft · $219/sqft · 159 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 2230 W CENTRAL AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2230 W CENTRAL AVENUE — 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
2230 W CENTRAL AVENUE FAQs
What would the monthly payment be for 2230 W CENTRAL AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,602/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 2230 W CENTRAL AVENUE?+
The most recent tax bill on record (2025) was $4,648. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 2230 W CENTRAL AVENUE?+
The listing reports pets: 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 Winter Haven?+
At $324,700, this home is listed about 14% above the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2230 W CENTRAL AVENUE?+
Westwood Middle School (middle), Lake Region High School (high), Clarence Boswell Elementary School (elementary) — 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
$324,700 runs 44% above the WINTER HAVEN 33880 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $334,600, now $324,700 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of WATSON REALTY CORP. · Andrea Baker. MLS #S5152674.
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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