3732 Giorgio Dr · Winter Haven, FL
Flood risk No data
- FEMA flood zone
- —
- Chance of flooding over 30 yrs
- —
- Est. flood insurance / yr
- —
Fire risk No data
- Est. fire insurance / yr
- —
Heat risk No data
- Hot days now (above threshold)
- —
- Hot days in 30 yrs
- —
Wind risk No data
- Chance of severe wind over 30 yrs
- —
Air-quality risk No data
- Unhealthy air days now
- —
- Unhealthy air days in 30 yrs
- —
Risk factors via First Street. Map © Google.
Why this score? — see what drove the D- 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).
- ARV discount +12.2/15.0
- Cash flow +7.4/30.0
- Condition / age +4.0/5.0
- Livability +3.7/5.0
- Schools +3.5/10.0
- 1% rule +3.3/10.0
- Rent growth +3.0/5.0
- DSCR +1.6/10.0
- Appreciation +0.0/10.0
$250,000
3732 Giorgio Dr · Winter Haven, FL 33884
3 bd · 2.0 ba · 1,713 sqft · SingleFamily
public records
· 180 Days on market
Built 2024
4,395 sqft lot
Garage
$146/sqft
· 10% below area
Est $279k · 10% under
$15/mo HOA · 1% of rent
↓ 8% since listing
🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence
Listing remarks
Short Sale. Welcome to this beautiful Winter Haven home! Villamar This property offers a spacious layout, abundant natural light, and comfortable living areas ideal for everyday living and entertaining. The backyard provides great outdoor potential. Conveniently located near shopping, dining, schools, and major highways. Short Sale opportunity — perfect for buyers looking for value and investment potential.
Key facts
- Spacious layout
- Conveniently located
- 4,395 sq ft lot
Tags
Neighborhood map
Sold within
Property
Rental comp
Retail
Costco
Walmart
Transit
Schools
Stadiums
Fortune 500
· Circle radius: 6.0 mi
Loading POIs…
What this means for you Summary
Snapshot
- This is a 3-bed/2.0-bath single-family listed at $250k. Condition is rated good.
Deal economics
- At list price, monthly cash flow is $-318 ($-4k/yr) — negative.
- To cash-flow at today's rent, offer at most $194k (22.4% below list).
- To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $209k (16.5% below list).
- Recommended offer: $194k (22.4% below list) — sets the bar for cash-flow.
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: Chain of Lakes Elementary School (math 63% / reading 60%, grade B, #634 of 2,144 statewide, top 30%, 1,130 students, 37% FRL); Denison Middle School (math 24% / reading 25%, grade F, #522 of 571 statewide, top 93%, 738 students, 69% FRL); Lake Region High School (math 14% / reading 22%, grade F, #570 of 667 statewide, top 86%, 1,545 students, 61% FRL) — zoned schools at 56% FRL track the district average.
- Market conditions: Rents rising (+1.9%/yr); 1042 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 55d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 62% of comp listings sitting > 30 days — soft ceiling on asking rent; 10,384 units permitted in Polk County in 2024 (1,716 in 5+ unit buildings).
- This rent runs 36% of the median local income ($70k/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 $2k of loan paydown is wiped out by about $8k 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 180 days — a 12% lower offer ($220k) is reasonable based on typical stale-listing flexibility.
Risks & watch-outs
- Watch-outs: property tax is 2.6% of price.
Recommended offer
$193,875
(22.4% below list)
Questions for the listing agent
- What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
- It's been on market 180 days. Have you received any prior offers? Is the seller open to a 22% concession, seller financing, or rate buy-down credit?
- Property tax is high relative to price — has the assessment been appealed recently, and will the sale trigger a re-assessment?
- What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
- Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
- Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
- The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
- 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.
- 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.
- How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.
Investment metrics
- 1% rule
- 0.83% ✗
- Cap rate
- 4.77%
- Cash-on-cash
- -5.45%
- DSCR
- 0.76
- GRM
- 10.0
CMA / ARV
- ARV (median comp)
- $278,900
- List price
- $250,000
- Delta
- -10.36%
- Verdict
- UNDERPRICED
- Comps
- 20 within 1.0 mi
Show comp detail 12 sales within ~0.75 mi
| Address | Dist | Beds/Ba | Sqft | Sold | Price | $/sf | Match |
|---|---|---|---|---|---|---|---|
| 3740 Giorgio Dr | 0.02mi | 3/2.0 | 1,672 (-2%) | 1mo | $292,900 | $175 | 94 |
| 4663 Ostero St | 0.03mi | 4/2.0 (+1) | 1,665 (-3%) | 0mo | $277,900 | $167 | 89 |
| 3865 Giorgio Dr | 0.22mi | 3/2.0 | 1,695 (-1%) | 0mo | $275,900 | $163 | 88 |
| 3932 Giorgio Dr | 0.27mi | 3/2.0 | 1,695 (-1%) | 0mo | $280,390 | $165 | 85 |
| 3748 Giorgio Dr | 0.04mi | 4/2.0 (+1) | 1,828 (+7%) | 1mo | $319,900 | $175 | 81 |
| 5121 Sylas Jax Ave | 0.26mi | 3/2.5 | 1,568 (-8%) | 1mo | $290,900 | $186 | 72 |
| 5029 Kaia Ave | 0.26mi | 4/2.0 (+1) | 1,607 (-6%) | 1mo | $275,000 | $171 | 72 |
| 4045 Giorgio Dr | 0.43mi | 4/2.0 (+1) | 1,665 (-3%) | 1mo | $297,900 | $179 | 70 |
| 3948 Giorgio Dr | 0.30mi | 3/2.0 | 1,483 (-13%) | 0mo | $259,900 | $175 | 64 |
| 4052 Giorgio Dr | 0.40mi | 3/2.0 | 1,504 (-12%) | 0mo | $275,900 | $183 | 61 |
| 6253 Botticella Blvd | 0.33mi | 4/2.5 (+1) | 1,880 (+10%) | 1mo | $252,990 | $135 | 61 |
| 5576 Taverna Loop | 0.44mi | 3/2.0 | 1,504 (-12%) | 0mo | $283,990 | $189 | 59 |
Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.
Projected returns pro-forma
-3.0% appreciation · 1.9% rent growth · sell at horizon
5-year hold
- IRR
- -26.9%
- Equity multiple
- 0.10×
- Total profit
- $-62,853
- Equity at exit
- $37,276
10-year hold
- IRR
- -29.2%
- Equity multiple
- -0.27×
- Total profit
- $-89,233
- Equity at exit
- $21,615
Cash invested: $70,000 (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.
Buyer's market
Market conditions
within 1.0 mi — comparable homes for sale
Active competition Active MLS
- For sale now
- 86 active · 73 under contract
- Months of supply
- 13.9 mo (7%/mo absorbed)
- Median asking
- $297,745 ($172/sqft)
- Median days on market
- 84 d
- This list price
- 7% of active listings are priced below it
- ARV vs active asking
- -5.3% vs current asking $/sqft
Closed sales set the value; these active listings set current market conditions and a practical price ceiling.
ZIP-level market 33884
- Home prices YoY
- -34.1%
- Rents YoY
- 1.9%
- Active inventory
- 1042
- Price-to-rent
- 10.0×
Monthly cashflow live
↻
- Estimated rent
- $2,087 high interval (Pro) →
- Mortgage (P&I)
- −$1,311
- Tax from tax record
- −$536 /mo · $6,432/yr
- Insurance
- −$104
- HOA
- −$15
- Lot rent
- −$0
- Vacancy / Maint / Mgmt
- −$438
- Net cashflow
- $-318
Break-even live
Break-even rent
$2,489
Max offer price
$193,875
Occupancy floor
—
Sensitivity live
| Price | -10% $-176 | -5% $-247 | +0% $-318 | +5% $-388 | +10% $-459 |
|---|---|---|---|---|---|
| Rent | -10% $-483 | -5% $-400 | +0% $-318 | +5% $-235 | +10% $-153 |
| Rate | -1.0pp $-192 | -0.5pp $-254 | base $-318 | +0.5pp $-382 | +1.0pp $-448 |
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
- $62,500
- Closing costs
- $7,500
- Club membership (one-time)
- —
- Reserves months
- —
- Total cash needed
- —
Loan-product check · same deal, 3 products live
Conventional
25% down · 7.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Personal DTI + credit; lowest rate.
DSCR
20% down · 8.5% · 30yr
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
No personal income docs; deal must DSCR.
Hard money
10% down · 12.0% · 12mo
- Cash invested
- —
- Monthly P&I
- —
- Monthly cashflow
- —
- DSCR
- —
- Eligible?
- —
Short-term bridge; refi at stabilization.
Rent comps 40 comps
| Address | Beds | Baths | Sqft | Rent | $/sqft | DOM | Units | Dist |
|---|---|---|---|---|---|---|---|---|
| 4667 Ostero St Winter Haven, FL | 4.0 | 2.0 | 1665 | $1,950 | $1.17 | 54d | 1 | 0.05mi |
| 2772 San Marco Way Winter Haven, FL | 4.0 | 3.0 | 1988 | $2,200 | $1.11 | 164d | 1 | 0.08mi |
| 3511 Costello Cir Winter Haven, FL | 4.0 | 2.0 | 2234 | $2,100 | $0.94 | 164d | 1 | 0.09mi |
| 3436 Costello Cir Winter Haven, FL | 3.0 | 2.0 | 1504 | $1,750 | $1.16 | 143d | 1 | 0.09mi |
| 3781 Giorgio Dr Winter Haven, FL | 4.0 | 3.0 | 1978 | $2,100 | $1.06 | 10d | 1 | 0.11mi |
| 4506 Rapallo Ave Winter Haven, FL | 4.0 | 2.0 | 1754 | $1,899 | $1.08 | 164d | 1 | 0.14mi |
| 4458 Rapallo Ave Winter Haven, FL | 3.0 | 2.5 | 1568 | $2,000 | $1.28 | 164d | 1 | 0.14mi |
| 2852 San Marco Way Winter Haven, FL | 4.0 | 2.0 | 2066 | $2,200 | $1.06 | 118d | 1 | 0.14mi |
| 4909 Kaia Ave Winter Haven, FL | 3.0 | 2.0 | 1464 | $1,845 | $1.26 | 54d | 1 | 0.14mi |
| 4952 Kaia Ave Winter Haven, FL | 4.0 | 2.0 | 1665 | $1,990 | $1.20 | 10d | 1 | 0.15mi |
| 4442 Rapallo Ave Winter Haven, FL | 4.0 | 2.0 | 1607 | $1,895 | $1.18 | 164d | 1 | 0.15mi |
| 3812 Giorgio Dr Winter Haven, FL | 3.0 | 2.0 | 1978 | $2,200 | $1.11 | 54d | 1 | 0.16mi |
| 3824 Giorgio Dr Winter Haven, FL | 4.0 | 3.0 | 1978 | $2,250 | $1.14 | 45d | 1 | 0.16mi |
| 3824 Giorgio Dr Winter Haven, FL | 4.0 | 3.0 | 1978 | $2,250 | $1.14 | 10d | 1 | 0.16mi |
| 4347 Testana Ln Winter Haven, FL | 3.0 | 2.0 | 1528 | $1,695 | $1.11 | 2d | 1 | 0.17mi |
| 3139 Laurel Oak Ln Winter Haven, FL | 4.0 | 2.0 | 2074 | $2,150 | $1.04 | 52d | 1 | 0.18mi |
| 2727 San Marco Way Winter Haven, FL | 4.0 | 2.5 | 2123 | $2,300 | $1.08 | 54d | 1 | 0.18mi |
| 3107 Laurel Oak Ln Winter Haven, FL | 4.0 | 3.0 | 1746 | $2,400 | $1.37 | 10d | 1 | 0.19mi |
| 4973 Kaia Ave Winter Haven, FL | 3.0 | 2.0 | 1483 | $1,900 | $1.28 | 118d | 1 | 0.20mi |
| 4411 Rapallo Ave Winter Haven, FL | 3.0 | 2.0 | 1255 | $1,799 | $1.43 | 7d | 1 | 0.21mi |
| 3079 Laurel Oak Ln Winter Haven, FL | 3.0 | 2.0 | 1464 | $1,700 | $1.16 | 31d | 1 | 0.21mi |
| 4981 Kaia Ave Winter Haven, FL | 3.0 | 2.0 | 1269 | $1,875 | $1.48 | 160d | 1 | 0.21mi |
| 2702 San Marco Way Winter Haven, FL | 3.0 | 2.0 | 1255 | $1,795 | $1.43 | 10d | 1 | 0.21mi |
| 3094 Laurel Oak Ln Winter Haven, FL | 3.0 | 2.0 | 1734 | $2,150 | $1.24 | 10d | 1 | 0.22mi |
| 3063 Laurel Oak Ln Winter Haven, FL | 3.0 | 2.0 | 1269 | $1,695 | $1.34 | 154d | 1 | 0.23mi |
| 3063 Laurel Oak Ln Winter Haven, FL | 3.0 | 2.0 | 1269 | $1,695 | $1.34 | 164d | 1 | 0.23mi |
| 6468 Domizio Dr Winter Haven, FL | 4.0 | 2.5 | 1874 | $1,895 | $1.01 | 38d | 1 | 0.26mi |
| 3889 Giorgio Dr Winter Haven, FL | 3.0 | 2.0 | 1484 | $2,000 | $1.35 | 10d | 1 | 0.26mi |
| 3889 Giorgio Dr Winter Haven, FL | 3.0 | 2.0 | 1484 | $2,000 | $1.35 | 47d | 1 | 0.26mi |
| 3889 Giorgio Dr Winter Haven, FL | 3.0 | 2.0 | 1483 | $1,900 | $1.28 | 118d | 1 | 0.26mi |
| 5013 Kaia Ave Winter Haven, FL | 4.0 | 3.0 | 1988 | $2,150 | $1.08 | 10d | 1 | 0.26mi |
| 3912 Giorgio Dr Winter Haven, FL | 3.0 | 2.0 | 1483 | $1,900 | $1.28 | 162d | 1 | 0.26mi |
| 3916 Giorgio Dr Winter Haven, FL | 3.0 | 2.0 | 1280 | $1,695 | $1.32 | 144d | 1 | 0.27mi |
| 3905 Giorgio Dr Winter Haven, FL | 3.0 | 2.0 | 1707 | $2,050 | $1.20 | 144d | 1 | 0.29mi |
| 6220 Botticella Blvd Winter Haven, FL | 4.0 | 2.5 | 1880 | $2,175 | $1.16 | 54d | 1 | 0.29mi |
| 6232 Botticella Blvd Winter Haven, FL | 4.0 | 2.5 | 1874 | $2,200 | $1.17 | 10d | 1 | 0.29mi |
| 6268 Botticella Blvd Winter Haven, FL | 4.0 | 2.5 | 1880 | $2,050 | $1.09 | 10d | 1 | 0.30mi |
| 6221 Botticella Blvd Winter Haven, FL | 4.0 | 2.5 | 1880 | $1,995 | $1.06 | 2d | 1 | 0.32mi |
| 6241 Botticella Blvd Winter Haven, FL | 4.0 | 2.5 | 1880 | $2,100 | $1.12 | 10d | 1 | 0.32mi |
| 6253 Botticella Blvd Winter Haven, FL | 4.0 | 2.5 | 1880 | $2,050 | $1.09 | 9d | 1 | 0.32mi |
Property features AI
Finance
- Financial info
- Total annual fees $180
- HOA & community
- HOA with $15 monthly feeAssociation fee $15 monthlyPets: dogs allowedNo association approval requiredNo additional association fee requirement
Exterior
- Parking
- Attached garage with 2 garage spaces
- Utilities
- Public waterPublic sewerPublic utilitiesAsphalt road access
- Home design
- Single family residenceOne storyNorth-facing
- Construction
- Block constructionShingle roofConcrete perimeter foundationBuilt on a 0.1-acre lot
- Exterior features
- Exterior lightingIrrigation equipment
Interior
- Kitchen
- DishwasherMicrowaveRefrigerator
- Bedrooms
- 4 bedrooms
- Flooring
- CarpetTile
- Bathrooms
- 2 full bathrooms
- Heating & cooling
- Central heatingCentral air conditioning
- Interior features
- Open floorplan13 total rooms
- Laundry & utility
- Inside laundry room
Listing history 50 events
-
2026-10-19days on market $250,000 Active 180 DOM
-
2026-10-18days on market $250,000 Active 179 DOM
-
2026-10-17days on market $250,000 Active 178 DOM
-
2026-10-16days on market $250,000 Active 177 DOM
-
2026-10-15days on market $250,000 Active 176 DOM
-
2026-10-14days on market $250,000 Active 175 DOM
-
2026-10-13days on market $250,000 Active 174 DOM
-
2026-10-12days on market $250,000 Active 173 DOM
-
2026-10-11days on market $250,000 Active 172 DOM
-
2026-10-10days on market $250,000 Active 171 DOM
-
2026-10-09days on market $250,000 Active 170 DOM
-
2026-10-08days on market $250,000 Active 169 DOM
-
2026-10-07days on market $250,000 Active 168 DOM
-
2026-10-06days on market $250,000 Active 167 DOM
-
2026-10-05days on market $250,000 Active 166 DOM
-
2026-10-05days on market $250,000 Active 165 DOM
-
2026-10-03days on market $250,000 Active 164 DOM
-
2026-10-02days on market $250,000 Active 163 DOM
-
2026-10-01days on market $250,000 Active 162 DOM
-
2026-09-30days on market $250,000 Active 161 DOM
-
2026-09-29days on market $250,000 Active 160 DOM
-
2026-09-28days on market $250,000 Active 159 DOM
-
2026-09-27days on market $250,000 Active 158 DOM
-
2026-09-25days on market $250,000 Active 156 DOM
-
2026-09-24days on market $250,000 Active 155 DOM
-
2026-09-23days on market $250,000 Active 154 DOM
-
2026-09-22days on market $250,000 Active 153 DOM
-
2026-09-20days on market $250,000 Active 151 DOM
-
2026-09-19days on market $250,000 Active 150 DOM
-
2026-09-18days on market $250,000 Active 149 DOM
-
2026-09-17days on market $250,000 Active 148 DOM
-
2026-09-16days on market $250,000 Active 147 DOM
-
2026-09-15days on market $250,000 Active 146 DOM
-
2026-09-14days on market $250,000 Active 145 DOM
-
2026-09-13days on market $250,000 Active 144 DOM
-
2026-09-12days on market $250,000 Active 143 DOM
-
2026-09-11days on market $250,000 Active 142 DOM
-
2026-09-05days on market $250,000 Active 136 DOM
-
2026-09-04days on market $250,000 Active 135 DOM
-
2026-09-03days on market $250,000 Active 134 DOM
-
2026-08-31days on market $250,000 Active 131 DOM
-
2026-08-30days on market $250,000 Active 130 DOM
-
2026-08-29days on market $250,000 Active 129 DOM
-
2026-08-28days on market $250,000 Active 128 DOM
-
2026-08-27days on market $250,000 Active 127 DOM
-
2026-08-26days on market $250,000 Active 126 DOM
-
2026-08-25days on market $250,000 Active 125 DOM
-
2026-08-24days on market $250,000 Active 124 DOM
-
2026-08-23days on market $250,000 Active 123 DOM
-
2026-08-22days on market $250,000 Active 122 DOM
ⓘ 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
- $6,432 · $536/mo
- Projected year-2 tax
- $6,432 · $536/mo
- Expected delta
- $0/yr ($0/mo · 0.0%)
ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.
Nearby sold comps map
Loading sold comps map…
Walkable amenities ~0.75 mi
Loading nearby amenities…
Taxation est. · year 1
- Rental income
- $25,040
- − Mortgage interest
- −$14,004
- − Property taxes
- −$6,432
- − Insurance
- −$1,250
- − Repairs & maintenance
- −$2,003
- − Management
- −$2,003
- − HOA
- −$180
- − Depreciation
- −$7,273
- Taxable loss
- −$8,105
combined federal + state — saved on this device
- Est. tax savings @ 24.0%
- +$1,945
- After-tax cash flow
- $-1,867/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.
Condition & rehab AI · 12 photos
80/100
Cosmetic rehab
Est. rehab $8,565–$25,695 screening
This single-family home in Winter Haven, Florida, is in good condition with a good condition score of 80. It offers a spacious layout, abundant natural light, and comfortable living areas. The property is located in a desirable neighborhood with easy access to shopping, dining, schools, and major highways. The home is a short sale opportunity, making it a great investment for buyers looking for value and potential appreciation.
Value-add opportunities
- Resale Paint exterior trim — Fresh paint can enhance curb appeal and property value. ↑
- Rental Clean gutters — Clean gutters improve drainage and prevent water damage, which is important for renters. ↑
ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.
F
Composite school gradezoned avg 35/100
Zoned Schools
Elementary
Chain Of Lakes Elementary School
B
FL #634/2,144
Nat'l #6,818/41,679
Middle
Denison Middle School
F
FL #522/571
Nat'l #10,474/14,009
High
Lake Region High School
F
FL #570/667
Nat'l #14,759/17,239
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
B
Composite livability gradescore 74/100
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 · 752,975 people
- City population
- 121,740
- Metro
- Lakeland-Winter Haven, FL
- Population (ZIP)
- 37,561
- Household income
- $70,443
- Rent vs Own
- Severe rent burden
- 19% of renters
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 0.55)
- Race & ethnicity
- White 63% Hispanic / Latino 19% Black 14% Two or more races 7% Asian 2%
- Hispanic origin (detail)
- Mexican 2% Puerto Rican 10% Cuban 2%
- Languages at home
- 84% English-only · Spanish 12% French/Haitian/Cajun 1% Other Indo-European 1%
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
- ▼ -134.69%
- Current HPI
- 260.1421
- Rent YoY
- ▲ 1.90%
- 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 |
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| Insurance | 2 | $17B |
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| Retail | 1 | $60B |
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| Technology Distribution | 1 | $58B |
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| Homebuilding | 1 | $35B |
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| Technology Manufacturing | 1 | $35B |
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Price history
-7.6% since first listed3 events — show timeline
- 2026-06-22 Price Changed $250,000 Stellar MLS as Distributed by MLS Grid
- 2026-05-18 Price Changed $260,000 Stellar MLS as Distributed by MLS Grid
- 2026-04-22 Listed $270,500 Stellar MLS as Distributed by MLS Grid
Cash-flow waterfall
monthlySold comps — $/sqft
last 12 mo · ≤1 miLoading sold comps…