1700 6th St NW Unit C31 · Winter Haven, FL 33881

$99,900

2 bd · 1.0 ba · 840 sqft · Condo public records · 121 Days on market

Built 1964 $350/mo HOA · 24% of rent

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Why this score? — see what drove the C grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +19.4/30.0
• 1% rule +9.4/10.0
• ARV discount +7.5/15.0
• DSCR +6.1/10.0
• Livability +3.7/5.0
• Schools +3.5/10.0
• Rent growth +3.0/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

FULLY FURNISHED 55+ UPDATED 2-BEDROOM CONDO * * PRICE REDUCED * * Welcome to this amazing NW Winter Haven end unit condo! Updates include: new windows with new wide blinds throughout, updated vinyl flooring, an updated kitchen, new water heater and updated bathrooms. Being an end unit, the front living room has beautiful natural light and the windows on two sides provide a cross breeze. The primary bedroom has a walk-in closet and an updated ensuite half bath. The updated full bath features a walk-in shower. Relax on the front screened balcony porch and enjoy the sunset or enjoy watching pickleball being played on the court below. The pool is very inviting and super refreshing on a hot day! The clubhouse is a great place to exercise or gather with your friends and neighbors! A secure storage area is on the same floor and one floor down is a shared laundry room. Reserved covered parking and an elevator make this easily accessible. This is a no pet, smoke free community. Very convenient location close to downtown, shopping, hospitals and many restaurants and sports activities, including the Chain of Lakes. Reserve a time to come tour this amazing property – CALL TODAY!

Key facts

• Stand-up shower
• Community center
• Granite countertops

Tags

• LUXURY VINYL PLANK FLOORING
• FULLY REDONE BATHROOMS
• GRANITE COUNTERTOPS
• STAND-UP SHOWER
• PRIVATE STORAGE CLOSET
• COMMUNITY CENTER

Property features AI

Finance

• Other: Furnished: negotiable; Association name listed
• Financial info: Total monthly fees $350; total annual fees $4,200
• HOA & community: Monthly association fee of $350; Association amenities include fitness center and maintenance; Association fee covers pool, building maintenance, grounds maintenance, management, recreational facilities, sewer, trash and water; Buyer approval required; Clubhouse, pool, fitness center, tennis courts, sidewalks; Senior community; Pets not allowed

Exterior

• Parking: Covered parking at ground level; 1-car carport
• Utilities: Public water; Public sewer; Electricity connected; Sewer connected; Water connected; Cable available; Phone available; BB/HS Internet available
• Home design: Residential condominium; Located on 3rd floor; Faces east; One-level interior layout
• Construction: Block and stucco construction; Membrane roof; Slab foundation; Building name: CLARIDGE
• Exterior features: Outdoor lighting; Outdoor grill; Rain gutters; Sidewalk; Storage; Irrigation equipment

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Ceramic tile; Vinyl
• Bathrooms: 1 full bath; 1 half bath
• Heating & cooling: Electric heating; Central air
• Interior features: Ceiling fans; Living room/dining room combo; Open floorplan; Stone counters; Thermostat; Walk-in closet(s); Window treatments; Blinds and rods
• Laundry & utility: Washer hookup; Electric dryer hookup; Laundry area in kitchen

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath condo listed at $100k.

Deal economics

• At list price, monthly cash flow is $111 ($1k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($1k rent vs $100k).
• Recommended offer: $88k (12.0% below list) — sets the bar for market timing.

Location & tenants

• Location reads 74/100 on livability (#291 in FL, #4,898 nationally) — a middle-class / working-renter tenant base. Strengths: cost of living A+, housing A+, health & safety A; Watch: employment C-, amenities F, commute F.
• Polk (suburban): math 39% / reading 43% proficiency, ranked #62 of 73 in FL (top 85%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases.
• Zoned schools: Fred G. Garner Elementary School (math 29% / reading 31%, grade F, #1,882 of 2,144 statewide, top 88%, 901 students, 62% FRL); Lake Alfred Polytech Academy (math 41% / reading 43%, grade D-, #340 of 571 statewide, top 61%, 645 students, 59% FRL); Winter Haven Senior High School (math 26% / reading 38%, grade F, #415 of 667 statewide, top 63%, 2,467 students, 50% FRL) — zoned schools at 57% FRL track the district average.
• Market conditions: Rents rising (+2.1%/yr); 495 active listings in the ZIP; 35 comparable units currently listed for rent nearby; rentals at typical pace (median 25d on market — plan ~3-4 weeks tenant-placement turnaround); 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).
• This rent runs 30% of the median local income ($57k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $691 of loan paydown is wiped out by about $3k of value loss. Plan a longer hold.
• Polk County population projected at +33% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 121 days — a 12% lower offer ($88k) is reasonable based on typical stale-listing flexibility.
• 8 sale attempts since 9y ago; this cycle's ask has dropped $10k (9%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: HOA is 24% of rent.

Recommended offer $87,912 (12.0% below list)

Questions for the listing agent

1. It's been on market 121 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1964 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
4. Any open or pending special assessments — roof, HVAC, plumbing, elevator, façade? What's the per-unit balance and payoff schedule, and is the seller paying it off at close or rolling it to the buyer?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
8. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
9. How much new apartment / multifamily construction is in the pipeline within 1–3 miles? Heavy new supply (>2% of stock underway) typically softens rents 12–24 months out; light construction supports rent growth.

Investment metrics

• 1% rule: 1.44% ✓
• Cap rate: 7.63%
• Cash-on-cash: 4.76%
• DSCR: 1.21
• GRM: 5.8

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.1% rent growth · sell at horizon

5-year hold

• IRR: -10.1%
• Equity multiple: 0.64×
• Total profit: $-10,184
• Equity at exit: $14,895

10-year hold

• IRR: -2.2%
• Equity multiple: 0.86×
• Total profit: $-4,048
• Equity at exit: $8,638

Cash invested: $27,972 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Florida: 87 Strongly Landlord-Friendly · R+3
• County: — inherits STATE
• City: — inherits STATE

3-day pay-or-quit; preempts local rent control; landlord-friendly statutes. Court speed varies by county.

Methodology + full state rankings →

ZIP-level market 33881

• Home prices YoY: -24.3%
• Rents YoY: 2.1%
• Active inventory: 495
• Price-to-rent: 5.8×

Monthly cashflow live

• Estimated rent: $1,440 high
• Mortgage (P&I): −$524
• Tax from tax record: −$111 /mo · $1,336/yr
• Insurance: −$42
• HOA: −$350
• Vacancy / Maint / Mgmt: −$302
• Net cashflow: $111

Break-even live

Break-even rent $1,300

Max offer price $99,900

Occupancy floor 87%

Sensitivity live

Price	-10% $168	-5% $139	+0% $111	+5% $83	+10% $54
Rent	-10% $-3	-5% $54	+0% $111	+5% $168	+10% $225
Rate	-1.0pp $161	-0.5pp $136	base $111	+0.5pp $85	+1.0pp $59

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $24,975
• Closing costs: $2,997
• Reserves months: —
• Total cash needed: —

Rent comps 35 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
395 Quentin Ave NW Unit 397 Winter Haven, FL	2.0	1.5	912	$1,450	$1.59	25d	1	0.11mi
235 Palmetto Ave NW Winter Haven, FL	2.0	2.0	1024	$1,195	$1.17	25d	1	0.20mi
1708 2nd St NW Unit B Winter Haven, FL	2.0	2.0	1000	$1,525	$1.52	25d	1	0.27mi
1830 2nd St NW Winter Haven, FL	3.0	1.0	1075	$1,600	$1.49	25d	1	0.32mi
1730 Broxey Ct NE Winter Haven, FL	2.0	1.0	750	$1,050	$1.40	25d	1	0.40mi
1756 2nd St NE Winter Haven, FL	2.0	1.0	626	$1,600	$2.56	25d	1	0.44mi
140 W Avenue Northwest Apt 3 Winter Haven, FL	2.0	1.0	800	$1,100	$1.38	25d	1	0.59mi
1016 E Lake Silver Dr NE Apt 4 Winter Haven, FL	2.0	1.0	672	$1,450	$2.16	25d	1	0.66mi
207 S Lake Silver Dr NW Winter Haven, FL	2.0	2.0	1116	$1,399	$1.25	25d	1	0.68mi
720 6th St NW Unit 3 Winter Haven, FL	2.0	1.0	740	$700	$0.95	25d	1	0.68mi
720 6th St NW Unit 1 Winter Haven, FL	2.0	1.0	740	$750	$1.01	25d	1	0.68mi
324 Avenue Y NE Unit B Winter Haven, FL	2.0	2.0	904	$1,550	$1.71	25d	1	0.85mi
2000 15th Ct NW Winter Haven, FL	2.0	1.0	750	$1,395	$1.86	4d	1	0.85mi
222 7th St NW Unit 2 Winter Haven, FL	1.0	1.0	600	$1,600	$2.67	25d	1	1.00mi
669 Avenue B NW Unit 10 Winter Haven, FL	1.0	1.0	582	$1,295	$2.23	23d	1	1.02mi
669 Avenue B NW Unit 4 Winter Haven, FL	1.0	1.0	582	$1,195	$2.05	23d	1	1.02mi
669 Avenue B NW Apt 1 Winter Haven, FL	1.0	1.0	595	$1,400	$2.35	25d	1	1.02mi
136 Avenue C NE Winter Haven, FL	2.0	1.0	750	$1,099	$1.47	25d	1	1.06mi
430 Avenue B NE Winter Haven, FL	2.0	1.0	866	$1,275	$1.47	25d	1	1.22mi
301 Avenue B SW Unit 4 Winter Haven, FL	1.0	1.0	600	$1,000	$1.67	25d	1	1.28mi
163 Avenue A SE Winter Haven, FL	2.0	1.5	854	$1,250	$1.46	25d	1	1.28mi
240 2nd St SW Apt 105 Winter Haven, FL	1.0	1.0	778	$1,399	$1.80	25d	1	1.30mi
701 Bates Ave SW Unit 203 Winter Haven, FL	3.0	2.0	1100	$1,700	$1.55	4d	1	1.34mi
701 Bates Ave SW Unit 102 Winter Haven, FL	3.0	2.0	1100	$1,700	$1.55	25d	1	1.34mi
701 Bates Ave SW Unit 101 Winter Haven, FL	3.0	1.0	1000	$1,600	$1.60	25d	1	1.34mi
103 4th St SE Unit A Winter Haven, FL	2.0	1.0	1014	$1,399	$1.38	5d	1	1.34mi
407 Avenue A SE Winter Haven, FL	3.0	2.0	1124	$1,700	$1.51	25d	1	1.35mi
209 Avenue B SE Winter Haven, FL	2.0	1.0	720	$1,500	$2.08	16d	1	1.36mi
710 Avenue C SW Unit 4A Winter Haven, FL	1.0	1.0	680	$1,150	$1.69	25d	1	1.41mi
200 Avenue C SW Winter Haven, FL	1.0–2.0	1.0–2.0	851	$1,950	$2.29	5d	12	1.42mi
151 Avenue C SW Winter Haven, FL	2.0	1.0	819	$1,300	$1.59	25d	1	1.45mi
2016 Avenue G NW Unit 2016 Winter Haven, FL	2.0	1.0	832	$1,125	$1.35	16d	1	1.45mi
245 Winter Ridge Blvd Winter Haven, FL	2.0	2.0	1073	$1,550	$1.44	5d	1	1.46mi
118 Oak Crest Dr NW Winter Haven, FL	1.0	1.0	600	$1,100	$1.83	25d	1	1.48mi
242 Winter Ridge Blvd Winter Haven, FL	2.0	2.0	1073	$1,350	$1.26	16d	1	1.50mi

HOA detail condo

• Monthly dues: $350 · $4,200/yr
• Likely covers: waterpool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 47 events

1. 2026-06-22
   days on market $99,900 Active 121 DOM
2. 2026-06-18
   days on market $99,900 Active 118 DOM
3. 2026-06-17
   days on market $99,900 Active 117 DOM
4. 2026-06-16
   days on market $99,900 Active 116 DOM
5. 2026-06-15
   days on market $99,900 Active 115 DOM
6. 2026-06-13
   days on market $99,900 Active 113 DOM
7. 2026-06-10
   days on market $99,900 Active 110 DOM
8. 2026-06-09
   days on market $99,900 Active 109 DOM
9. 2026-06-08
   days on market $99,900 Active 108 DOM
10. 2026-06-07
    days on market $99,900 Active 107 DOM
11. 2026-06-05
    days on market $99,900 Active 104 DOM
12. 2026-06-03
    days on market $99,900 Active 102 DOM
13. 2026-06-01
    days on market $99,900 Active 101 DOM
14. 2026-05-31
    days on market $99,900 Active 100 DOM
15. 2026-04-29
    price $99,900
16. 2026-04-27
    price $109,790
17. 2026-04-15
    price $109,890
18. 2026-02-20
    listed $109,990 Active
19. 2025-06-11
    soldstatus $99,000
20. 2025-06-06
    soldstatus $99,000 Closed 1200-char remark

    Show marketing remark (1200 chars)

    FULLY FURNISHED 55+ UPDATED 2-BEDROOM CONDO * * PRICE REDUCED * * Welcome to this amazing NW Winter Haven end unit condo! Updates include: new windows with new wide blinds throughout, updated vinyl flooring, an updated kitchen, new water heater and updated bathrooms. Being an end unit, the front living room has beautiful natural light and the windows on two sides provide a cross breeze. The primary bedroom has a walk-in closet and an updated ensuite half bath. The updated full bath features a walk-in shower. Relax on the front screened balcony porch and enjoy the sunset or enjoy watching pickleball being played on the court below. The pool is very inviting and super refreshing on a hot day! The clubhouse is a great place to exercise or gather with your friends and neighbors! A secure storage area is on the same floor and one floor down is a shared laundry room. Reserved covered parking and an elevator make this easily accessible. This is a no pet, smoke free community. Very convenient location close to downtown, shopping, hospitals and many restaurants and sports activities, including the Chain of Lakes. Reserve a time to come tour this amazing property – CALL TODAY!

21. 2025-05-12
    status Pending 1200-char remark

    Show marketing remark (1200 chars)

    FULLY FURNISHED 55+ UPDATED 2-BEDROOM CONDO * * PRICE REDUCED * * Welcome to this amazing NW Winter Haven end unit condo! Updates include: new windows with new wide blinds throughout, updated vinyl flooring, an updated kitchen, new water heater and updated bathrooms. Being an end unit, the front living room has beautiful natural light and the windows on two sides provide a cross breeze. The primary bedroom has a walk-in closet and an updated ensuite half bath. The updated full bath features a walk-in shower. Relax on the front screened balcony porch and enjoy the sunset or enjoy watching pickleball being played on the court below. The pool is very inviting and super refreshing on a hot day! The clubhouse is a great place to exercise or gather with your friends and neighbors! A secure storage area is on the same floor and one floor down is a shared laundry room. Reserved covered parking and an elevator make this easily accessible. This is a no pet, smoke free community. Very convenient location close to downtown, shopping, hospitals and many restaurants and sports activities, including the Chain of Lakes. Reserve a time to come tour this amazing property – CALL TODAY!

22. 2025-03-18
    price $104,500 1200-char remark

    Show marketing remark (1200 chars)

    FULLY FURNISHED 55+ UPDATED 2-BEDROOM CONDO * * PRICE REDUCED * * Welcome to this amazing NW Winter Haven end unit condo! Updates include: new windows with new wide blinds throughout, updated vinyl flooring, an updated kitchen, new water heater and updated bathrooms. Being an end unit, the front living room has beautiful natural light and the windows on two sides provide a cross breeze. The primary bedroom has a walk-in closet and an updated ensuite half bath. The updated full bath features a walk-in shower. Relax on the front screened balcony porch and enjoy the sunset or enjoy watching pickleball being played on the court below. The pool is very inviting and super refreshing on a hot day! The clubhouse is a great place to exercise or gather with your friends and neighbors! A secure storage area is on the same floor and one floor down is a shared laundry room. Reserved covered parking and an elevator make this easily accessible. This is a no pet, smoke free community. Very convenient location close to downtown, shopping, hospitals and many restaurants and sports activities, including the Chain of Lakes. Reserve a time to come tour this amazing property – CALL TODAY!

23. 2025-02-27
    price $108,500 1200-char remark

    Show marketing remark (1200 chars)

    FULLY FURNISHED 55+ UPDATED 2-BEDROOM CONDO * * PRICE REDUCED * * Welcome to this amazing NW Winter Haven end unit condo! Updates include: new windows with new wide blinds throughout, updated vinyl flooring, an updated kitchen, new water heater and updated bathrooms. Being an end unit, the front living room has beautiful natural light and the windows on two sides provide a cross breeze. The primary bedroom has a walk-in closet and an updated ensuite half bath. The updated full bath features a walk-in shower. Relax on the front screened balcony porch and enjoy the sunset or enjoy watching pickleball being played on the court below. The pool is very inviting and super refreshing on a hot day! The clubhouse is a great place to exercise or gather with your friends and neighbors! A secure storage area is on the same floor and one floor down is a shared laundry room. Reserved covered parking and an elevator make this easily accessible. This is a no pet, smoke free community. Very convenient location close to downtown, shopping, hospitals and many restaurants and sports activities, including the Chain of Lakes. Reserve a time to come tour this amazing property – CALL TODAY!

24. 2025-01-18
    price $109,500 1200-char remark

    Show marketing remark (1200 chars)

    FULLY FURNISHED 55+ UPDATED 2-BEDROOM CONDO * * PRICE REDUCED * * Welcome to this amazing NW Winter Haven end unit condo! Updates include: new windows with new wide blinds throughout, updated vinyl flooring, an updated kitchen, new water heater and updated bathrooms. Being an end unit, the front living room has beautiful natural light and the windows on two sides provide a cross breeze. The primary bedroom has a walk-in closet and an updated ensuite half bath. The updated full bath features a walk-in shower. Relax on the front screened balcony porch and enjoy the sunset or enjoy watching pickleball being played on the court below. The pool is very inviting and super refreshing on a hot day! The clubhouse is a great place to exercise or gather with your friends and neighbors! A secure storage area is on the same floor and one floor down is a shared laundry room. Reserved covered parking and an elevator make this easily accessible. This is a no pet, smoke free community. Very convenient location close to downtown, shopping, hospitals and many restaurants and sports activities, including the Chain of Lakes. Reserve a time to come tour this amazing property – CALL TODAY!

25. 2024-08-05
    price $114,900 1200-char remark

    Show marketing remark (1200 chars)

    FULLY FURNISHED 55+ UPDATED 2-BEDROOM CONDO * * PRICE REDUCED * * Welcome to this amazing NW Winter Haven end unit condo! Updates include: new windows with new wide blinds throughout, updated vinyl flooring, an updated kitchen, new water heater and updated bathrooms. Being an end unit, the front living room has beautiful natural light and the windows on two sides provide a cross breeze. The primary bedroom has a walk-in closet and an updated ensuite half bath. The updated full bath features a walk-in shower. Relax on the front screened balcony porch and enjoy the sunset or enjoy watching pickleball being played on the court below. The pool is very inviting and super refreshing on a hot day! The clubhouse is a great place to exercise or gather with your friends and neighbors! A secure storage area is on the same floor and one floor down is a shared laundry room. Reserved covered parking and an elevator make this easily accessible. This is a no pet, smoke free community. Very convenient location close to downtown, shopping, hospitals and many restaurants and sports activities, including the Chain of Lakes. Reserve a time to come tour this amazing property – CALL TODAY!

26. 2024-06-28
    price $119,900 1200-char remark

    Show marketing remark (1200 chars)

    FULLY FURNISHED 55+ UPDATED 2-BEDROOM CONDO * * PRICE REDUCED * * Welcome to this amazing NW Winter Haven end unit condo! Updates include: new windows with new wide blinds throughout, updated vinyl flooring, an updated kitchen, new water heater and updated bathrooms. Being an end unit, the front living room has beautiful natural light and the windows on two sides provide a cross breeze. The primary bedroom has a walk-in closet and an updated ensuite half bath. The updated full bath features a walk-in shower. Relax on the front screened balcony porch and enjoy the sunset or enjoy watching pickleball being played on the court below. The pool is very inviting and super refreshing on a hot day! The clubhouse is a great place to exercise or gather with your friends and neighbors! A secure storage area is on the same floor and one floor down is a shared laundry room. Reserved covered parking and an elevator make this easily accessible. This is a no pet, smoke free community. Very convenient location close to downtown, shopping, hospitals and many restaurants and sports activities, including the Chain of Lakes. Reserve a time to come tour this amazing property – CALL TODAY!

27. 2024-05-19
    listed $124,900 Active 1200-char remark

    Show marketing remark (1200 chars)

    FULLY FURNISHED 55+ UPDATED 2-BEDROOM CONDO * * PRICE REDUCED * * Welcome to this amazing NW Winter Haven end unit condo! Updates include: new windows with new wide blinds throughout, updated vinyl flooring, an updated kitchen, new water heater and updated bathrooms. Being an end unit, the front living room has beautiful natural light and the windows on two sides provide a cross breeze. The primary bedroom has a walk-in closet and an updated ensuite half bath. The updated full bath features a walk-in shower. Relax on the front screened balcony porch and enjoy the sunset or enjoy watching pickleball being played on the court below. The pool is very inviting and super refreshing on a hot day! The clubhouse is a great place to exercise or gather with your friends and neighbors! A secure storage area is on the same floor and one floor down is a shared laundry room. Reserved covered parking and an elevator make this easily accessible. This is a no pet, smoke free community. Very convenient location close to downtown, shopping, hospitals and many restaurants and sports activities, including the Chain of Lakes. Reserve a time to come tour this amazing property – CALL TODAY!

28. 2021-08-20
    soldstatus $55,000
29. 2021-08-13
    soldstatus $55,000 Closed 565-char remark

    Show marketing remark (565 chars)

    This move-in ready and fully furnished 2 bedroom/1.5 bathroom condo is located in the 55+ community of Winter Haven Harbour Condos. Interior has lots of natural light with views of the pool and lake across the street, updated bathrooms and kitchen with granite counter tops and all appliances included. Amenities include heated pool, recreation building, shuffle board, outdoor grill, elevators, laundry, extra storage and covered parking. Walking distance to shopping, restaurants and more. This is a no smoking, no pet, 55+ community with board approval required.

30. 2021-07-18
    status Pending 565-char remark

    Show marketing remark (565 chars)

    This move-in ready and fully furnished 2 bedroom/1.5 bathroom condo is located in the 55+ community of Winter Haven Harbour Condos. Interior has lots of natural light with views of the pool and lake across the street, updated bathrooms and kitchen with granite counter tops and all appliances included. Amenities include heated pool, recreation building, shuffle board, outdoor grill, elevators, laundry, extra storage and covered parking. Walking distance to shopping, restaurants and more. This is a no smoking, no pet, 55+ community with board approval required.

31. 2021-07-09
    listed $54,000 Active 565-char remark

    Show marketing remark (565 chars)

    This move-in ready and fully furnished 2 bedroom/1.5 bathroom condo is located in the 55+ community of Winter Haven Harbour Condos. Interior has lots of natural light with views of the pool and lake across the street, updated bathrooms and kitchen with granite counter tops and all appliances included. Amenities include heated pool, recreation building, shuffle board, outdoor grill, elevators, laundry, extra storage and covered parking. Walking distance to shopping, restaurants and more. This is a no smoking, no pet, 55+ community with board approval required.

32. 2021-03-16
    historical
33. 2021-02-11
    price $51,500
34. 2020-12-11
    status Active
35. 2020-12-08
    status Pending
36. 2020-11-05
    status Active
37. 2020-10-28
    status Pending
38. 2020-10-26
    status Active
39. 2020-09-23
    status Pending
40. 2020-09-16
    listed $53,000 Active
41. 2018-05-24
    soldstatus $45,000
42. 2018-03-12
    soldstatus $45,000 Sold
43. 2018-02-14
    status Pending
44. 2017-12-29
    price $49,000
45. 2017-11-08
    price $52,000
46. 2017-07-07
    listed $54,500 Active
47. 1997-07-10
    soldstatus $28,000

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast FL · Resets to sale price

• Current annual tax: $1,336 · $111/mo
• Projected year-2 tax: $1,336 · $111/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Taxation est. · year 1

• Rental income: $17,283
• − Mortgage interest: −$5,596
• − Property taxes: −$1,336
• − Insurance: −$500
• − Repairs & maintenance: −$1,383
• − Management: −$1,383
• − HOA: −$4,200
• − Depreciation: −$2,906
• Taxable loss: −$20
• Est. tax savings @ 24.0%: +$5
• After-tax cash flow: $1,336/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Polk
• NCES district ID: 1201590
• Math proficiency: 39% ▼ -11.00%
• Reading proficiency: 43% ▼ -4.00%
• Median HH income: $43,979
• Composite: 34.74/100
• National rank: #5132
• State rank: #62 of 73 in FL

Livability — Winter Haven

• Score: 74/100
• State rank: #291
• US rank: #4898

Category grades

Amenities F Commute F Cost of living A+ Crime B- Employment C- Housing A+ Health & safety A User ratings A+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Winter Haven, FL
• County: Polk County · 740,051 people
• City population: 121,740
• Metro: Lakeland-Winter Haven, FL
• Population (ZIP): 40,808
• Household income: $57,024
• Rent vs Own: 28.2% rent · 71.8% own
• Severe rent burden: 1270.0

Population outlook (Polk County) Hauer SSP2

• Today (2025): 752,975 people
• By 2030: 804,621 · +6.9%
• By 2040: 906,117 · +20.3%
• By 2050: 1,000,476 · +32.9%
• By 2075: 1,197,520 · +59.0%
• By 2100: 1,271,518 · +68.9%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Diverse neighborhood (Simpson 0.68)
• Race & ethnicity: White 44% Black 27% Hispanic / Latino 25% Two or more races 15%
• Hispanic origin (detail): Mexican 4% Puerto Rican 12% Cuban 1%
• Common ancestry: Hispanic 5% Slovak 1% Italian 1%
• Foreign-born: 15% · Canada, Jamaica
• Languages at home: 73% English-only · Spanish 20% French/Haitian/Cajun 6%

Political lean MEDSL · Polk

• 2024 margin: Strong R (+20.7) · D 39.2% · R 59.9%
• 2008→2024 swing: -14.6pp toward R · 2008: -6.1pp · 2024: -20.7pp
• All cycles: 2024: R+20.7 2020: R+14.4 2016: R+14.1 2012: R+6.8 2008: R+6.1

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -88.95%
• Current HPI: 277.0597
• Rent YoY: ▲ 2.10%
• Metro: Lakeland-Winter Haven, FL
• State GDP YoY: ▲ 3.28%
• F500 in state: 36

Industry mix (Fortune 500 HQ in FL)

Industry	F500 HQs	Revenue
▸Industrial Technology	2	$29B
▸Insurance	2	$17B
▸Retail	1	$60B
▸Technology Distribution	1	$58B
▸Homebuilding	1	$35B
▸Technology Manufacturing	1	$35B

Price history

+256.8% since first listed

33 events — show timeline

• 2026-04-29 Price Changed $99,900 Stellar MLS as Distributed by MLS Grid
• 2026-04-27 Price Changed $109,790 Stellar MLS as Distributed by MLS Grid
• 2026-04-15 Price Changed $109,890 Stellar MLS as Distributed by MLS Grid
• 2026-02-20 Listed $109,990 Stellar MLS as Distributed by MLS Grid
• 2025-06-11 Sold (Public Records) $99,000 Public Records
• 2025-06-06 Sold (MLS) $99,000 Stellar MLS as Distributed by MLS Grid
• 2025-05-12 Pending — Stellar MLS as Distributed by MLS Grid
• 2025-03-18 Price Changed $104,500 Stellar MLS as Distributed by MLS Grid
• 2025-02-27 Price Changed $108,500 Stellar MLS as Distributed by MLS Grid
• 2025-01-18 Price Changed $109,500 Stellar MLS as Distributed by MLS Grid
• 2024-08-05 Price Changed $114,900 Stellar MLS as Distributed by MLS Grid
• 2024-06-28 Price Changed $119,900 Stellar MLS as Distributed by MLS Grid
• 2024-05-19 Listed $124,900 Stellar MLS as Distributed by MLS Grid
• 2021-08-20 Sold (Public Records) $55,000 Public Records
• 2021-08-13 Sold (MLS) $55,000 Stellar MLS as Distributed by MLS Grid
• 2021-07-18 Pending — Stellar MLS as Distributed by MLS Grid
• 2021-07-09 Listed $54,000 Stellar MLS as Distributed by MLS Grid
• 2021-03-16 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2021-02-11 Price Changed $51,500 Stellar MLS as Distributed by MLS Grid
• 2020-12-11 Relisted — Stellar MLS as Distributed by MLS Grid
• 2020-12-08 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-11-05 Relisted — Stellar MLS as Distributed by MLS Grid
• 2020-10-28 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-10-26 Relisted — Stellar MLS as Distributed by MLS Grid
• 2020-09-23 Pending — Stellar MLS as Distributed by MLS Grid
• 2020-09-16 Listed $53,000 Stellar MLS as Distributed by MLS Grid
• 2018-05-24 Sold (Public Records) $45,000 Public Records
• 2018-03-12 Sold (MLS) $45,000 Stellar MLS as Distributed by MLS Grid
• 2018-02-14 Pending — Stellar MLS as Distributed by MLS Grid
• 2017-12-29 Price Changed $49,000 Stellar MLS as Distributed by MLS Grid
• 2017-11-08 Price Changed $52,000 Stellar MLS as Distributed by MLS Grid
• 2017-07-07 Listed $54,500 Stellar MLS as Distributed by MLS Grid
• 1997-07-10 Sold (Public Records) $28,000 Public Records

Property tax history

+45.2%/yr

Latest (2025): $1,336 · +4.4% YoY. Source: county tax records.