434 AVENUE D SE, WINTER HAVEN, FL, 33880
Active8 days on marketListed Jul 27, 2026MLS #L4963822
About this home
434 AVENUE D SE
Virtually Staged. Welcome home! This beautifully renovated 2-bedroom, 1-bathroom single-family home in Winter Haven features a completely updated interior including a brand-new kitchen with new cabinets, countertops, refrigerator, and range, along with a fully renovated bathroom featuring a new vanity, tub, shower, and tile. Additional updates include new flooring throughout, fresh interior paint, and a roof replacement completed in 2021. Situated on a spacious 0.17-acre lot with no HOA, this home offers a nicely sized backyard and a large workshop building providing endless possibilities for hobbies, storage, or a dedicated workspace. Conveniently located near elementary, middle, and high schools, this home combines modern updates, functionality, and a great location — making it a must-see opportunity in Winter Haven!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
900
Sqft
0.17 ac
Lot size
1959
Year built
One
Levels
$250
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.
$1,781 /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
$1,781/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
+24.1%
$/sqft vs Winter Haven actives
$250 vs $170
Days on market
8 vs 46 typical
Where $250/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 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 33880 — neighborhood snapshot
Population
42,336
Median age
36.5
Median income
$56,803
Median home value
$200,900
Avg household
2.8
Households w/ children
5,516
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)
191 of 400
Winter Haven actives 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 434 AVENUE D SE
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$85,000
415 AVENUE E SE · same community
2 bd · 2 ba · 720 sqft · $118/sqft · 38 DOM
Sold · Jul ’26$185,000
769 AVENUE Q SE
2 bd · 1.5 ba · 960 sqft · $193/sqft · 93 DOM
Sold · Sep ’25$150,000
2037 SAN MARCOS DRIVE SE UNIT 443
2 bd · 2 ba · 967 sqft · $155/sqft · 37 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 434 AVENUE D SE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 434 AVENUE D SE — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
434 AVENUE D SE FAQs
What would the monthly payment be for 434 AVENUE D SE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,781/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 434 AVENUE D SE?+
The most recent tax bill on record (2025) was $2,365. 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 $224,900, this home is listed about 21% 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 434 AVENUE D SE?+
Denison Middle School (middle), Winter Haven Senior High School (high), John Snively Elementary (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LOCKHART & ASSOCIATES INC · Kellie Hicks. MLS #L4963822.
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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