689 Lake Howard Dr NW Unit 1E · Winter Haven, FL 33880

$124,000

2 bd · 1.0 ba · 1,050 sqft · Condo public records · 419 Days on market

Built 1969 $401/mo HOA · 25% of rent

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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).

• Cash flow +11.8/30.0
• 1% rule +7.7/10.0
• ARV discount +7.5/15.0
• Livability +3.7/5.0
• DSCR +3.5/10.0
• Schools +3.5/10.0
• Rent growth +3.1/5.0
• Condition / age +2.5/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Wellington is a 55+ community right across the street from the majestic Lake Howard. Condo fees includes: water, cable TV, internet, car wash area, carport. Condo rules does not allow pets. This is a 2 story condo with a beautiful hardwood flooring on the first level, paved and fenced private backyard, with a gate to access the common courtyard and club house. The complex has 2 pools, one is heated. Wellington also offers a variety of activities for all residents to make new friends and entertain themselves. This makes a perfect permanent or seasonal home. The first floor comes with wood flooring throughout. Just steps from the lake with a pier for you to enjoy the boats passing by, fishing, sip your wine or your morning coffee. The carport is in front of the entrance door which is very convenient to unload your groceries. Buyer must verify all measurements. Agent is owner.

Key facts

• $401 HOA
• Parking
• Community pool

Property features AI

Finance

• Other: Living area approximately 1,050 sq ft (public records); Building area approximately 1,120 sq ft (public records); Lot size about 0.01 acre (approx. 54 m²); Direction faces south
• Financial info: Total annual fees: $4,812
• HOA & community: Monthly association fee of $401; Association covers internet and water; Community amenities: clubhouse, park, pool, sidewalks; Senior community; no pets allowed

Exterior

• Parking: Carport with 1 space
• Utilities: Public water; Public sewer; Public utilities
• Home design: Residential condominium; South-facing; Two-story building; unit on one level
• Construction: Block construction; Shingle roof; Block and slab foundation; Building/Unit identifier: 1B
• Exterior features: Awnings; Sliding doors; Asphalt road access; Condo land included

Interior

• Kitchen: Dishwasher; Microwave; Range; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Carpet; Laminate
• Bathrooms: 1 full bath; 1 half bath
• Heating & cooling: Central heating; Central air conditioning
• Interior features: Ceiling fans
• Laundry & utility: Washer and dryer located in the kitchen

What this means for you Summary

Snapshot

• This is a 2-bed/1.0-bath condo listed at $124k.

Deal economics

• At list price, monthly cash flow is $-35 ($-417/yr) — negative.
• To cash-flow at today's rent, offer at most $118k (5.0% below list).
• Meets the 1% rule at list price ($2k rent vs $124k).
• Recommended offer: $109k (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: Inwood Elementary School (math 27% / reading 27%, grade F, #1,969 of 2,144 statewide, top 94%, 298 students, 70% FRL); Westwood Middle School (math 19% / reading 26%, grade F, #546 of 571 statewide, top 96%, 878 students, 70% FRL); Lake Region High School (math 14% / reading 22%, grade F, #570 of 667 statewide, top 86%, 1,545 students, 61% FRL).
• Zoned-school proficiency averages 22% at this address vs 41% district-wide (-18 pts) — the specific schools serving this property underperform the Polk average; the district grade overstates school quality for this exact location.
• Market conditions: Rents rising (+2.5%/yr); 345 active listings in the ZIP; 37 comparable units currently listed for rent nearby; rentals at typical pace (median 21d 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 34% of the median local income ($56k/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 $857 of loan paydown is wiped out by about $4k 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 419 days — a 12% lower offer ($109k) is reasonable based on typical stale-listing flexibility.
• 7 sale attempts since 19y ago; this cycle's ask has dropped $14k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Watch-outs: HOA is 25% of rent.
• Climate carrying-cost: severe wind risk, 99% chance of damaging wind over 30y; extreme-heat days projected 7→23/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $109,120 (12.0% below list)

Questions for the listing agent

1. 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?
2. It's been on market 419 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
3. Built in 1969 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
4. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
5. 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?
6. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
7. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
8. 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?
9. 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.
10. 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.
11. 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: 1.27% ✓
• Cap rate: 5.96%
• Cash-on-cash: -1.20%
• DSCR: 0.95
• GRM: 6.5

CMA / ARV

No comps found within radius.

Projected returns pro-forma

-3.0% appreciation · 2.47% rent growth · sell at horizon

5-year hold

• IRR: -18.9%
• Equity multiple: 0.34×
• Total profit: $-22,861
• Equity at exit: $18,489

10-year hold

• IRR: -12.5%
• Equity multiple: 0.28×
• Total profit: $-25,001
• Equity at exit: $10,721

Cash invested: $34,720 (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 33880

• Home prices YoY: -16.2%
• Rents YoY: 2.5%
• Active inventory: 345
• Price-to-rent: 6.5×

Monthly cashflow live

• Estimated rent: $1,581 high
• Mortgage (P&I): −$650
• Tax from tax record: −$181 /mo · $2,169/yr
• Insurance: −$52
• HOA: −$401
• Vacancy / Maint / Mgmt: −$332
• Net cashflow: $-35

Break-even live

Break-even rent $1,625

Max offer price $117,857

Occupancy floor 97%

Sensitivity live

Price	-10% $35	-5% $0	+0% $-35	+5% $-70	+10% $-105
Rent	-10% $-160	-5% $-97	+0% $-35	+5% $28	+10% $90
Rate	-1.0pp $28	-0.5pp $-3	base $-35	+0.5pp $-67	+1.0pp $-100

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: $31,000
• Closing costs: $3,720
• Reserves months: —
• Total cash needed: —

Rent comps 37 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
2016 Avenue G NW Unit 2016 Winter Haven, FL	2.0	1.0	832	$1,125	$1.35	16d	1	0.08mi
2014 S Lake Cannon Dr NW Winter Haven, FL	3.0	2.0	1403	$2,350	$1.67	25d	1	0.19mi
333 Lake Howard Dr NW Unit 312C Winter Haven, FL	2.0	2.0	1030	$1,425	$1.38	25d	1	0.19mi
350 24th St NW Winter Haven, FL	2.0	1.0–2.0	660	$1,549	$2.35	5d	13	0.30mi
2414 Avenue A Ter NW Winter Haven, FL	3.0	2.0	1456	$1,900	$1.30	16d	1	0.46mi
2214 Avenue B SW Winter Haven, FL	3.0	2.0	1336	$1,775	$1.33	25d	1	0.55mi
2416 Avenue B SW Winter Haven, FL	3.0	2.0	1373	$2,000	$1.46	25d	1	0.60mi
729 Crestwood Dr Winter Haven, FL	3.0	1.0	1156	$1,550	$1.34	25d	1	0.69mi
265 25th St SW Unit B Winter Haven, FL	2.0	1.0	880	$1,200	$1.36	25d	1	0.73mi
611 34th St NW Winter Haven, FL	2.0	1.0	910	$1,500	$1.65	25d	1	0.91mi
521 20th St SW Winter Haven, FL	2.0	1.0	732	$1,175	$1.61	5d	1	0.92mi
3135 Woodhill Rd Unit 3127 Winter Haven, FL	2.0	1.0	950	$1,450	$1.53	25d	1	0.96mi
3135 Woodhill Rd Unit 3205 Winter Haven, FL	2.0	1.0	950	$1,350	$1.42	25d	1	0.96mi
1254 34th St NW Winter Haven, FL	3.0	2.0	1102	$1,690	$1.53	5d	1	1.02mi
Deena Way Winter Haven, FL	2.0	1.5	840	$1,225	$1.46	25d	1	1.11mi
1335 34th St NW Winter Haven, FL	2.0	2.0	1200	$1,706	$1.42	5d	1	1.13mi
700 Mirror Ter NW #705 Winter Haven, FL	2.0	2.0	1190	$1,500	$1.26	5d	1	1.19mi
604 Patrick Ave Winter Haven, FL	3.0	1.0	1170	$1,850	$1.58	5d	1	1.23mi
720 6th St NW Unit 1 Winter Haven, FL	2.0	1.0	740	$750	$1.01	25d	1	1.24mi
720 6th St NW Unit 3 Winter Haven, FL	2.0	1.0	740	$700	$0.95	25d	1	1.24mi
701 Bates Ave SW Unit 101 Winter Haven, FL	3.0	1.0	1000	$1,600	$1.60	25d	1	1.25mi
701 Bates Ave SW Unit 203 Winter Haven, FL	3.0	2.0	1100	$1,700	$1.55	4d	1	1.25mi
701 Bates Ave SW Unit 102 Winter Haven, FL	3.0	2.0	1100	$1,700	$1.55	25d	1	1.25mi
5004 Dream Dr Winter Haven, FL	1.0–2.0	1.0–2.0	859	$1,899	$2.21	4d	71	1.26mi
5004 Dream Dr Winter Haven, FL	1.0–2.0	1.0–2.0	859	$1,899	$2.21	16d	76	1.26mi
1300 S Lake Howard Dr Winter Haven, FL	1.0–3.0	1.5–2.0	1464	$1,788	$1.22	12d	20	1.27mi
2000 15th Ct NW Winter Haven, FL	2.0	1.0	750	$1,395	$1.86	4d	1	1.28mi
502 Glad Rd Winter Haven, FL	3.0	2.0	1340	$1,815	$1.35	15d	1	1.32mi
506 Holt Cir Winter Haven, FL	3.0	2.0	1032	$1,675	$1.62	5d	1	1.32mi
309 Vaniman Ave Winter Haven, FL	3.0	1.0	1089	$1,610	$1.48	25d	1	1.33mi
3823 Avenue J NW Winter Haven, FL	3.0	1.0	1050	$1,696	$1.62	5d	1	1.34mi
2414 Willow Way Winter Haven, FL	2.0	2.5	1425	$1,850	$1.30	15d	1	1.37mi
310 Mayfair Pl SW Winter Haven, FL	2.0	2.0	1240	$1,525	$1.23	25d	1	1.42mi
2430 Willow Way Winter Haven, FL	2.0	2.5	1425	$1,795	$1.26	16d	1	1.43mi
207 S Lake Silver Dr NW Winter Haven, FL	2.0	2.0	1116	$1,399	$1.25	25d	1	1.44mi
1935 Avenue O SW Unit 201 Winter Haven, FL	2.0	2.0	1015	$1,400	$1.38	21d	1	1.46mi
1304 15th St SW Winter Haven, FL	3.0	1.0	900	$1,750	$1.94	25d	1	1.47mi

HOA detail condo

• Monthly dues: $401 · $4,812/yr
• Likely covers: waterinternetcablepool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 39 events

1. 2026-06-22
   days on market $124,000 Active 419 DOM
2. 2026-06-18
   days on market $124,000 Active 416 DOM
3. 2026-06-17
   days on market $124,000 Active 415 DOM
4. 2026-06-16
   days on market $124,000 Active 414 DOM
5. 2026-06-15
   days on market $124,000 Active 413 DOM
6. 2026-06-13
   days on market $124,000 Active 411 DOM
7. 2026-06-10
   days on market $124,000 Active 408 DOM
8. 2026-06-09
   days on market $124,000 Active 407 DOM
9. 2026-06-08
   days on market $124,000 Active 406 DOM
10. 2026-06-07
    days on market $124,000 Active 405 DOM
11. 2026-06-05
    days on market $124,000 Active 402 DOM
12. 2026-06-03
    days on market $124,000 Active 400 DOM
13. 2026-06-01
    days on market $124,000 Active 399 DOM
14. 2026-05-31
    days on market $124,000 Active 398 DOM
15. 2026-01-28
    status Active
16. 2026-01-26
    price $124,000
17. 2025-12-28
    historical
18. 2025-12-09
    price $124,900
19. 2025-05-17
    price $130,000
20. 2025-03-28
    listed $138,000 Active
21. 2024-02-22
    soldstatus $127,000
22. 2024-02-20
    soldstatus $127,000 Closed 886-char remark

    Show marketing remark (886 chars)

    Wellington is a 55+ community right across the street from the majestic Lake Howard. Condo fees includes: water, cable TV, internet, car wash area, carport. Condo rules does not allow pets. This is a 2 story condo with a beautiful hardwood flooring on the first level, paved and fenced private backyard, with a gate to access the common courtyard and club house. The complex has 2 pools, one is heated. Wellington also offers a variety of activities for all residents to make new friends and entertain themselves. This makes a perfect permanent or seasonal home. The first floor comes with wood flooring throughout. Just steps from the lake with a pier for you to enjoy the boats passing by, fishing, sip your wine or your morning coffee. The carport is in front of the entrance door which is very convenient to unload your groceries. Buyer must verify all measurements. Agent is owner.

23. 2024-02-13
    status Pending 886-char remark

    Show marketing remark (886 chars)

    Wellington is a 55+ community right across the street from the majestic Lake Howard. Condo fees includes: water, cable TV, internet, car wash area, carport. Condo rules does not allow pets. This is a 2 story condo with a beautiful hardwood flooring on the first level, paved and fenced private backyard, with a gate to access the common courtyard and club house. The complex has 2 pools, one is heated. Wellington also offers a variety of activities for all residents to make new friends and entertain themselves. This makes a perfect permanent or seasonal home. The first floor comes with wood flooring throughout. Just steps from the lake with a pier for you to enjoy the boats passing by, fishing, sip your wine or your morning coffee. The carport is in front of the entrance door which is very convenient to unload your groceries. Buyer must verify all measurements. Agent is owner.

24. 2024-02-10
    status Active 886-char remark

    Show marketing remark (886 chars)

    Wellington is a 55+ community right across the street from the majestic Lake Howard. Condo fees includes: water, cable TV, internet, car wash area, carport. Condo rules does not allow pets. This is a 2 story condo with a beautiful hardwood flooring on the first level, paved and fenced private backyard, with a gate to access the common courtyard and club house. The complex has 2 pools, one is heated. Wellington also offers a variety of activities for all residents to make new friends and entertain themselves. This makes a perfect permanent or seasonal home. The first floor comes with wood flooring throughout. Just steps from the lake with a pier for you to enjoy the boats passing by, fishing, sip your wine or your morning coffee. The carport is in front of the entrance door which is very convenient to unload your groceries. Buyer must verify all measurements. Agent is owner.

25. 2024-02-06
    status Pending 886-char remark

    Show marketing remark (886 chars)

    Wellington is a 55+ community right across the street from the majestic Lake Howard. Condo fees includes: water, cable TV, internet, car wash area, carport. Condo rules does not allow pets. This is a 2 story condo with a beautiful hardwood flooring on the first level, paved and fenced private backyard, with a gate to access the common courtyard and club house. The complex has 2 pools, one is heated. Wellington also offers a variety of activities for all residents to make new friends and entertain themselves. This makes a perfect permanent or seasonal home. The first floor comes with wood flooring throughout. Just steps from the lake with a pier for you to enjoy the boats passing by, fishing, sip your wine or your morning coffee. The carport is in front of the entrance door which is very convenient to unload your groceries. Buyer must verify all measurements. Agent is owner.

26. 2024-01-30
    price $135,000 886-char remark

    Show marketing remark (886 chars)

    Wellington is a 55+ community right across the street from the majestic Lake Howard. Condo fees includes: water, cable TV, internet, car wash area, carport. Condo rules does not allow pets. This is a 2 story condo with a beautiful hardwood flooring on the first level, paved and fenced private backyard, with a gate to access the common courtyard and club house. The complex has 2 pools, one is heated. Wellington also offers a variety of activities for all residents to make new friends and entertain themselves. This makes a perfect permanent or seasonal home. The first floor comes with wood flooring throughout. Just steps from the lake with a pier for you to enjoy the boats passing by, fishing, sip your wine or your morning coffee. The carport is in front of the entrance door which is very convenient to unload your groceries. Buyer must verify all measurements. Agent is owner.

27. 2023-11-12
    price $148,000 886-char remark

    Show marketing remark (886 chars)

    Wellington is a 55+ community right across the street from the majestic Lake Howard. Condo fees includes: water, cable TV, internet, car wash area, carport. Condo rules does not allow pets. This is a 2 story condo with a beautiful hardwood flooring on the first level, paved and fenced private backyard, with a gate to access the common courtyard and club house. The complex has 2 pools, one is heated. Wellington also offers a variety of activities for all residents to make new friends and entertain themselves. This makes a perfect permanent or seasonal home. The first floor comes with wood flooring throughout. Just steps from the lake with a pier for you to enjoy the boats passing by, fishing, sip your wine or your morning coffee. The carport is in front of the entrance door which is very convenient to unload your groceries. Buyer must verify all measurements. Agent is owner.

28. 2023-09-15
    price $160,000 886-char remark

    Show marketing remark (886 chars)

    Wellington is a 55+ community right across the street from the majestic Lake Howard. Condo fees includes: water, cable TV, internet, car wash area, carport. Condo rules does not allow pets. This is a 2 story condo with a beautiful hardwood flooring on the first level, paved and fenced private backyard, with a gate to access the common courtyard and club house. The complex has 2 pools, one is heated. Wellington also offers a variety of activities for all residents to make new friends and entertain themselves. This makes a perfect permanent or seasonal home. The first floor comes with wood flooring throughout. Just steps from the lake with a pier for you to enjoy the boats passing by, fishing, sip your wine or your morning coffee. The carport is in front of the entrance door which is very convenient to unload your groceries. Buyer must verify all measurements. Agent is owner.

29. 2023-08-13
    listed $180,000 Active 886-char remark

    Show marketing remark (886 chars)

    Wellington is a 55+ community right across the street from the majestic Lake Howard. Condo fees includes: water, cable TV, internet, car wash area, carport. Condo rules does not allow pets. This is a 2 story condo with a beautiful hardwood flooring on the first level, paved and fenced private backyard, with a gate to access the common courtyard and club house. The complex has 2 pools, one is heated. Wellington also offers a variety of activities for all residents to make new friends and entertain themselves. This makes a perfect permanent or seasonal home. The first floor comes with wood flooring throughout. Just steps from the lake with a pier for you to enjoy the boats passing by, fishing, sip your wine or your morning coffee. The carport is in front of the entrance door which is very convenient to unload your groceries. Buyer must verify all measurements. Agent is owner.

30. 2018-11-27
    soldstatus $100
31. 2018-10-04
    soldstatus $95,000 Sold 527-char remark

    Show marketing remark (527 chars)

    Gorgeous 2 story condo in the Wellington on Lake Howard. Great amenities including dock on Lake Howard, 2 community pools, clubhouse and more. Nice updated kitchen, BIG living room, powder room and fenced private courtyard on the main floor. The second floor features 2 bedrooms, master bath, large master closet and balcony leading down to the courtyard. This unit is just steps from the main community pool and is a perfect place to settle down to. Schedule your appointment today or you will miss out on a great opportunity!

32. 2018-10-04
    soldstatus $95,000

    Show marketing remark (527 chars)

    Gorgeous 2 story condo in the Wellington on Lake Howard. Great amenities including dock on Lake Howard, 2 community pools, clubhouse and more. Nice updated kitchen, BIG living room, powder room and fenced private courtyard on the main floor. The second floor features 2 bedrooms, master bath, large master closet and balcony leading down to the courtyard. This unit is just steps from the main community pool and is a perfect place to settle down to. Schedule your appointment today or you will miss out on a great opportunity!

33. 2018-09-24
    status Pending 527-char remark

    Show marketing remark (527 chars)

    Gorgeous 2 story condo in the Wellington on Lake Howard. Great amenities including dock on Lake Howard, 2 community pools, clubhouse and more. Nice updated kitchen, BIG living room, powder room and fenced private courtyard on the main floor. The second floor features 2 bedrooms, master bath, large master closet and balcony leading down to the courtyard. This unit is just steps from the main community pool and is a perfect place to settle down to. Schedule your appointment today or you will miss out on a great opportunity!

34. 2018-09-05
    status Active 527-char remark

    Show marketing remark (527 chars)

    Gorgeous 2 story condo in the Wellington on Lake Howard. Great amenities including dock on Lake Howard, 2 community pools, clubhouse and more. Nice updated kitchen, BIG living room, powder room and fenced private courtyard on the main floor. The second floor features 2 bedrooms, master bath, large master closet and balcony leading down to the courtyard. This unit is just steps from the main community pool and is a perfect place to settle down to. Schedule your appointment today or you will miss out on a great opportunity!

35. 2018-08-07
    status Pending 527-char remark

    Show marketing remark (527 chars)

    Gorgeous 2 story condo in the Wellington on Lake Howard. Great amenities including dock on Lake Howard, 2 community pools, clubhouse and more. Nice updated kitchen, BIG living room, powder room and fenced private courtyard on the main floor. The second floor features 2 bedrooms, master bath, large master closet and balcony leading down to the courtyard. This unit is just steps from the main community pool and is a perfect place to settle down to. Schedule your appointment today or you will miss out on a great opportunity!

36. 2018-07-18
    price $103,500 527-char remark

    Show marketing remark (527 chars)

    Gorgeous 2 story condo in the Wellington on Lake Howard. Great amenities including dock on Lake Howard, 2 community pools, clubhouse and more. Nice updated kitchen, BIG living room, powder room and fenced private courtyard on the main floor. The second floor features 2 bedrooms, master bath, large master closet and balcony leading down to the courtyard. This unit is just steps from the main community pool and is a perfect place to settle down to. Schedule your appointment today or you will miss out on a great opportunity!

37. 2018-06-11
    listed $105,500 Active 527-char remark

    Show marketing remark (527 chars)

    Gorgeous 2 story condo in the Wellington on Lake Howard. Great amenities including dock on Lake Howard, 2 community pools, clubhouse and more. Nice updated kitchen, BIG living room, powder room and fenced private courtyard on the main floor. The second floor features 2 bedrooms, master bath, large master closet and balcony leading down to the courtyard. This unit is just steps from the main community pool and is a perfect place to settle down to. Schedule your appointment today or you will miss out on a great opportunity!

38. 2008-02-29
    historical
39. 2007-06-27
    listed $115,000

ⓘ 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: $2,169 · $181/mo
• Projected year-2 tax: $2,169 · $181/mo
• Expected delta: $0/yr ($0/mo · 0.0%)

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

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥107°F today · 23 d/yr by 30 yrs out
• 💨 Wind 10/10 Extreme 99% chance of damaging wind over 30 yrs
• 🫁 Air quality 2/10 Low 2 unhealthy d/yr today · 2 by 30 yrs out

Taxation est. · year 1

• Rental income: $18,970
• − Mortgage interest: −$6,946
• − Property taxes: −$2,169
• − Insurance: −$620
• − Repairs & maintenance: −$1,518
• − Management: −$1,518
• − HOA: −$4,812
• − Depreciation: −$3,607
• Taxable loss: −$2,219
• Est. tax savings @ 24.0%: +$533
• After-tax cash flow: $115/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): 43,371
• Household income: $56,390
• Rent vs Own: 33.4% rent · 66.6% own
• Severe rent burden: 1412.0

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 0.65)
• Race & ethnicity: White 49% Hispanic / Latino 27% Black 17% Two or more races 14% Asian 1%
• Hispanic origin (detail): Mexican 11% Puerto Rican 10% Cuban 2%
• Common ancestry: Hispanic 2% Lithuanian 1% Italian 1%
• Foreign-born: 9% · Canada, Jamaica
• Languages at home: 74% English-only · Spanish 21% French/Haitian/Cajun 4%

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: ▼ -61.41%
• Current HPI: 317.8788
• Rent YoY: ▲ 2.47%
• 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

+7.8% since first listed

25 events — show timeline

• 2026-01-28 Relisted — Stellar MLS as Distributed by MLS Grid
• 2026-01-26 Price Changed $124,000 Stellar MLS as Distributed by MLS Grid
• 2025-12-28 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2025-12-09 Price Changed $124,900 Stellar MLS as Distributed by MLS Grid
• 2025-05-17 Price Changed $130,000 Stellar MLS as Distributed by MLS Grid
• 2025-03-28 Listed $138,000 Stellar MLS as Distributed by MLS Grid
• 2024-02-22 Sold (Public Records) $127,000 Public Records
• 2024-02-20 Sold (MLS) $127,000 Stellar MLS as Distributed by MLS Grid
• 2024-02-13 Pending — Stellar MLS as Distributed by MLS Grid
• 2024-02-10 Relisted — Stellar MLS as Distributed by MLS Grid
• 2024-02-06 Pending — Stellar MLS as Distributed by MLS Grid
• 2024-01-30 Price Changed $135,000 Stellar MLS as Distributed by MLS Grid
• 2023-11-12 Price Changed $148,000 Stellar MLS as Distributed by MLS Grid
• 2023-09-15 Price Changed $160,000 Stellar MLS as Distributed by MLS Grid
• 2023-08-13 Listed $180,000 Stellar MLS as Distributed by MLS Grid
• 2018-11-27 Sold (Public Records) $100 Public Records
• 2018-10-04 Sold (Public Records) $95,000 Public Records
• 2018-10-04 Sold (MLS) $95,000 Stellar MLS as Distributed by MLS Grid
• 2018-09-24 Pending — Stellar MLS as Distributed by MLS Grid
• 2018-09-05 Relisted — Stellar MLS as Distributed by MLS Grid
• 2018-08-07 Pending — Stellar MLS as Distributed by MLS Grid
• 2018-07-18 Price Changed $103,500 Stellar MLS as Distributed by MLS Grid
• 2018-06-11 Listed $105,500 Stellar MLS as Distributed by MLS Grid
• 2008-02-29 Listing Removed — Stellar MLS as Distributed by MLS Grid
• 2007-06-27 Listed $115,000 Stellar MLS as Distributed by MLS Grid

Property tax history

+16.1%/yr

Latest (2025): $2,169 · +15.8% YoY. Source: county tax records.