314 AVENUE Y NE, WINTER HAVEN, FL, 33881
Pending27 days on marketListed Jul 7, 2026MLS #TB8526515
About this home
314 AVENUE Y NE
Prime opportunity in Winter Haven — this is primarily a land value play. The lot features an older 1950 wood-frame home in need of significant work, giving buyers two clear paths forward: fully renovate the existing structure or clear the lot and build new. A new single-family home on this site carries an estimated ARV of $260,000, making this an ideal project for investors, builders, or renovators looking to add value in a growing area. Sold as-is — bring your vision and your contractor.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
570
Sqft
0.11 ac
Lot size
1950
Year built
One
Levels
$65
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.
$501 /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
$501/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.
$/sqft vs Winter Haven actives
$65 vs $171
Days on market
27 vs 46 typical
Where $65/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 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
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
196 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 85% below the WINTER HAVEN 33881 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 314 AVENUE Y NE
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$127,900
713 SEARS AVENUE NE
2 bd · 1 ba · 600 sqft · $213/sqft · 58 DOM
Sold · Feb ’26$67,000
1700 6TH STREET NW UNIT C27
1 bd · 1 ba · 640 sqft · $105/sqft · 360 DOM
Sold · Apr ’26$73,000
1700 6TH STREET NW UNIT C7
1 bd · 1 ba · 640 sqft · $114/sqft · 64 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 314 AVENUE Y NE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 314 AVENUE Y 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
314 AVENUE Y NE FAQs
What would the monthly payment be for 314 AVENUE Y NE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $501/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 314 AVENUE Y NE?+
The most recent tax bill on record (2025) was $1,286. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Winter Haven?+
At $36,950, this home is listed about 87% below the Winter Haven median of $284,995. The market section on this page shows how the area is trending.
Which schools are assigned to 314 AVENUE Y 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 REI BROKERAGE HOUSE, INC. · Shalimar Santiago. MLS #TB8526515.
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.
Never miss a listing
New Winter Haven homes, in your inbox
Like 314 AVENUE Y NE but not quite? A daily digest of every new listing in Winter Haven — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask David to ping you on any price or status change →