2435 5TH ST NE, WINTER HAVEN, FL, 33881
Active4 days on marketListed Jul 20, 2026MLS #S5153935
About this home
2435 5TH ST NE
New Construction Opportunity in Northeast Winter Haven – Move-In Ready with Buyer Incentives Homeownership has never been more attainable. If you've been waiting for the right opportunity to purchase your first home, this brand-new construction in Northeast Winter Haven checks all the boxes. Offering the peace of mind that only a newly built home can provide, you'll enjoy modern finishes, energy-efficient construction, and the confidence of starting fresh—without the maintenance concerns that often come with older homes. Located in one of Winter Haven's growing northeast neighborhoods, you'll be just minutes from shopping, dining, medical facilities, parks, the Chain of Lakes, Downtown Winter Haven, and convenient access to US-27 for an easy commute throughout Polk County. The area continues to see ongoing investment and revitalization while still offering an affordable path into homeownership. Even better, this home comes complete with a full appliance package, a fenced backyard perfect for pets, family gatherings, or weekend barbecues, and a thoughtfully designed layout that makes everyday living simple and comfortable. Families will appreciate being near Jewett Academy, one of Polk County's respected magnet schools, along with numerous parks and recreational opportunities throughout Winter Haven. To make buying even easier, the builder is offering:? $10,000 toward buyer closing costs, prepaid expenses, or an interest rate buy-down? FREE appraisal when financing through the builder's preferred lender. Whether you're purchasing your very first home or simply looking for the advantages of brand-new construction, this property offers exceptional value in one of Central Florida's fastest-growing communities. Don't miss the opportunity to own a brand-new home with incentives that can significantly reduce your upfront costs.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,215
Sqft
0.15 ac
Lot size
2026
Year built
One
Levels
$198
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.
$1,701 /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
$1,701/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
−2.8%
$/sqft vs LINCOLN SUB
$198 vs $539
Days on market
4 vs 42 typical
Where $198/sqft sits among the 7 homes for sale in LINCOLN SUB
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 Florence Villa
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
Florence Villa — neighborhood snapshot
Population
5,369
Median age
39
Median income
$30,573
Median home value
$63,082
Avg household
3
Households w/ children
620
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)
0 of 7
LINCOLN SUB have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
Paper trail
This home's history
Reality check
What actually sold near 2435 5TH ST NE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$245,000
2438 4TH STREET NE · same community
3 bd · 2 ba · 1,135 sqft · $216/sqft · 7 DOM
Sold · Nov ’25$320,000
1610 Euclid Ave # A111, Miami Beach FL 33139 · same community
1 bd · 1 ba · 528 sqft · $606/sqft · 63 DOM
Sold · Jun ’26$280,000
1610 Euclid Ave # A105, Miami Beach FL 33139 · same community
1 bd · 1 ba · 511 sqft · $548/sqft · 105 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 2435 5TH ST NE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2435 5TH ST NE — 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
2435 5TH ST NE FAQs
What would the monthly payment be for 2435 5TH ST NE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,701/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 2435 5TH ST NE?+
The most recent tax bill on record (2025) was $263. 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 2435 5TH ST NE?+
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 $240,000, this home is listed about 16% below the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2435 5TH ST NE?+
Fred G. Garner Academy (elementary), Winter Haven Senior High School (high), Lake Alfred Polytech Academy (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of RE/MAX HERITAGE PROFESSIONALS · Frankie Eizere. MLS #S5153935.
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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