116 HARBOR DRIVE, WINTER HAVEN, FL, 33881
Active0 days on marketListed Aug 6, 2026MLS #O6418010
About this home
116 HARBOR DRIVE
Stunning! Fresh Farm Style, Located on a quite 'No Outlet' street within walking distance of the Happy Valley Trail with gorgeous water views of Lake Conine. Split floor plan, 4bed/2 bath. Front facade is stucco'd with beautiful stone entry. Inside are new solid wood wht shaker cabinets with 'Luna Pearl' granite in kitchen & baths w/ under mount sinks; . All NEW Samsung gourmet stainless steel appliances; Large breakfast bar with TONS of cabinetry 36" uppers (with crown); All new vinyl plank flooring thru-out entire home (no carpet); Inside laundry; 4th bedroom is large inlaw style, Brand NEW architectural roof; updated AC, windows. All new faucets, fixtures, fans & LED lighting; Bathrooms have custom tile and tub surrounds with rain head shower and stone deco inlay mosaics. New 3 tone paint inside and out; Secluded backyard fully fenced in for pets. Relax in oasis pool that has full privacy with no 2 story surrounding houses.. No HOA... this home has it all!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,476
Sqft
0.17 ac
Lot size
1972
Year built
One
Levels
$196
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.
$2,271 /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
$2,271/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.
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 33881 — neighborhood snapshot
Population
39,189
Median age
43.6
Median income
$53,867
Median home value
$177,400
Avg household
2.61
Households w/ children
3,730
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)
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 18% above the WINTER HAVEN 33881 median. See the full Winter Haven market guide →
Paper trail
This home's history
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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 116 HARBOR DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 116 HARBOR DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
116 HARBOR DRIVE FAQs
What would the monthly payment be for 116 HARBOR DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,271/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 116 HARBOR DRIVE?+
The most recent tax bill on record (2025) was $3,308. 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 $289,900, this home is listed about 2% 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 116 HARBOR DRIVE?+
Lake Alfred Polytech Academy (middle), Fred G. Garner Academy (elementary), Winter Haven Senior High School (high) — 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
$289,900 runs 18% above the WINTER HAVEN 33881 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Listed today in a Winter Haven market that averages 48 — if it fits, move quickly.
Listing courtesy of XCELLENCE · Allison McDaniel. MLS #O6418010.
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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