4604 BERNARD BOULEVARD, HAINES CITY, FL, 33844
Active29 days on marketListed Jul 5, 2026MLS #S5152991
About this home
4604 BERNARD BOULEVARD
Short Sale. Short Sale – Sale subject to lender approval. Welcome to the highly desirable community of Hammock Reserve, conveniently located just off Highway 27. This beautifully maintained home,Aria model offers a spacious one-story layout with durable all-concrete block construction and a modern open-concept design perfect for today’s lifestyle. Built in 2023, this practically new home features 3 bedrooms and 2 bathrooms, offering modern finishes, a functional layout, and the comfort of a move-in ready property. As you enter through the upgraded front door with elegant frosted glass, you’re welcomed by a bright and inviting foyer that flows seamlessly into the expansive living and dining areas filled with natural light. The open kitchen overlooks the generous family room, creating the ideal space for entertaining and everyday living. The private primary suite features dual vanities, a large walk-in closet, and a comfortable retreat away from the secondary bedrooms. The split-bedroom floor plan provides added privacy and flexibility for guests, family members, or a home office.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,725
Sqft
0.14 ac
Lot size
2
Garage
2023
Year built
One
Levels
$168
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.
$2,619 /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
$2,619/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
−3.9%
$/sqft vs Haines City actives
$168 vs $173
Days on market
29 vs 39 typical
Where $168/sqft sits among the 400 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.
Where it sits
Inside Haines City
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Haines City. See the full Haines City 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 → $321K
Haines City median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
177 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 2% below the HAINES CITY 33844 median. See the full Haines City market guide →
Paper trail
This home's history
Reality check
What actually sold near 4604 BERNARD BOULEVARD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$270,000
4373 DELEON STREET · same community
4 bd · 2 ba · 1,867 sqft · $145/sqft · 25 DOM
Sold · Jul ’26$299,900
4657 BERNARD BOULEVARD · same community
4 bd · 2 ba · 1,867 sqft · $161/sqft · 331 DOM
Sold · Aug ’25$385,000
4644 BERNARD BOULEVARD · same community
5 bd · 3 ba · 2,696 sqft · $143/sqft · 39 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 4604 BERNARD BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4604 BERNARD BOULEVARD — 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
4604 BERNARD BOULEVARD FAQs
What would the monthly payment be for 4604 BERNARD BOULEVARD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,619/mo — principal and interest, the actual property-tax bill, the $56/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 4604 BERNARD BOULEVARD?+
The association fee works out to $56 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4604 BERNARD BOULEVARD?+
The most recent tax bill on record (2025) was $6,886. 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 4604 BERNARD BOULEVARD?+
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 Haines City?+
At $289,000, this home is listed about 8% below the Haines City median of $313,745. The market section on this page shows how the area is trending.
Which schools are assigned to 4604 BERNARD BOULEVARD?+
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.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Roxana Lishner. MLS #S5152991.
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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