David Ramirez
Short-Term Rental Eligible
$490,0004 bd3.5 ba2,057 sqft$238 /sqft$3,585 /mo all-in ↓

537 PINELOCH DRIVE, HAINES CITY, FL, 33844

Active59 days on marketListed Jun 11, 2026MLS #TB8518131

Est. $49K/yr short-term rental revenueNew constructionSingle Family ResidenceCALABAY PARC/TOWER LAKE

About this home

537 PINELOCH DRIVE

Virtually Staged. Under Construction. One-of-a-kind brand-new construction 4 Bedroom, 4 Bathroom Single Family Home perfectly positioned between Tampa and Orlando in the heart of Haines City offering the best of Central Florida living with easy access to world-class attractions, dining, and major corridors including US-27 and I-4. Whether you're commuting, vacationing, or investing, the location alone sets this home apart. Step inside to a welcoming Entry foyer that opens into a bright, open-concept Great Room, Kitchen, and Dining area designed for both everyday living and effortless entertaining. The main level is anchored by a stunning Master Suite complete with a spacious en-suite bathroom, offering a true private retreat. Slide open the doors and step out onto your large Balcony to take in breathtaking lake views. A rare and coveted feature that elevates this home above the rest. Head downstairs to discover even more living space. A generous Family Room serves as the heart of the lower level, perfect for a game room, media room, or multi-generational gathering space. Three additional well-sized bedrooms, each with access to full bathrooms, provide comfort and privacy for family and guests alike. Walk out from the lower level onto the covered Lanai and enjoy seamless indoor-outdoor Florida living with those stunning lake views as your backdrop, morning coffee never looked so good. Additional highlights include an attached Garage, new construction quality finishes throughout, energy-efficient design, and a layout that truly lives larger than its square footage suggests. Conveniently located just minutes from LEGOLAND Florida and sitting squarely between Tampa and Orlando, this home is a dream for short-term rental investors and lifestyle buyers alike. Schedule your private showing today. Opportunities like this don't last.

Facts & features

The home at a glance

4

Bedrooms

3.5

Bathrooms

2,057

Sqft

0.22 ac

Lot size

2

Garage

2026

Year built

Two

Levels

$238

Per sqft

Pets allowed

Inside

FlooringLuxury Vinyl · Porcelain Tile
AppliancesConvection Oven · Dishwasher · Electric Water Heater · Microwave · Refrigerator
InteriorCeiling Fan(s) · High Ceilings · Kitchen/Family Room Combo · Open Floorplan · Primary Bedroom Main Floor · Walk-In Closet(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

RoofShingle
ConstructionStone · Stucco
FoundationBlock · Stem Wall
FacesSoutheast
ExteriorBalcony · Irrigation System · Private Entrance · Sliding Doors

Community & fees

HOA fee$233/mo
Taxes (2025)$1,088/yr
PetsYes

Utilities & systems

UtilitiesCable Available · Electricity Connected · Fire Hydrant · Sewer Connected · 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.

$3,585 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$2,885
FHA mortgage insurance (est.)$217
Property tax — 2025 actual bill$91
HOA fee — from the listing$233
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $17,150Loan30-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% · $17,150
Interest rate6.00%
Loan term

Estimated payment

$3,585/mo

Principal & interest$2,885
FHA mortgage insurance (est.)$217
Property taxes (actual bill)$91
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 Haines City actives

$238 vs $173

Days on market

59 vs 44 typical

Where $238/sqft sits among the 399 Haines City actives

51
96
142
54
27
29 · this home
$117–140$140–164$164–188$188–211$211–235$235+

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

$48,819/yr gross

Avg nightly rate$274
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

$2,188/mo median

MarketHaines City
Annual gross at median$26,250
Gross yield on this price5.4%
Homes for rent right now118

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 537 PINELOCH DRIVE inside its neighborhood boundary

Drive times from this address

Walt Disney World25 min
Universal Orlando36 min
Downtown Orlando42 min
Orlando Int’l Airport (MCO)46 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)

189 of 399

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 66% above the HAINES CITY 33844 median. See the full Haines City market guide →

Paper trail

This home's history

Jun 11, 2026Listed at $490,000 · 59 days on market since
2026Built · CALABAY PARC/TOWER LAKE

Reality check

What actually sold near 537 PINELOCH DRIVE

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

1674 WATERVIEW LOOPSold · Nov ’25

$375,000

1674 WATERVIEW LOOP

4 bd · 3 ba · 2,046 sqft · $183/sqft · 36 DOM

1588 FOREST HILLS LANESold · Jan ’26

$470,000

1588 FOREST HILLS LANE

4 bd · 3 ba · 2,046 sqft · $230/sqft · 228 DOM

1932 SOUTHERN DUNES BOULEVARDSold · Jun ’26

$400,000

1932 SOUTHERN DUNES BOULEVARD

4 bd · 3 ba · 2,069 sqft · $193/sqft · 101 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 537 PINELOCH 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 537 PINELOCH DRIVE — 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.

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Goes straight to David’s phone and CRM.

Straight answers

537 PINELOCH DRIVE FAQs

What would the monthly payment be for 537 PINELOCH DRIVE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,585/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 537 PINELOCH 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 537 PINELOCH DRIVE?+

The most recent tax bill on record (2025) was $1,088. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Can 537 PINELOCH 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 537 PINELOCH DRIVE?+

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 $490,000, this home is listed about 57% above the Haines City median of $312,450. The market section on this page shows how the area is trending.

Which schools are assigned to 537 PINELOCH 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.

Listing courtesy of EXP REALTY LLC · Tonino Damiano. MLS #TB8518131.

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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