333 Lake Howard Dr NW Unit 212A · Winter Haven, FL 33880

$76,500

2 bd · 2.0 ba · 1,030 sqft · Condo public records · 65 Days on market

Built 1974 $441/mo HOA · 28% of rent

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Why this score? — see what drove the B- 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 +28.1/30.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• ARV discount +7.5/15.0
• Livability +3.7/5.0
• 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

LAKEFRONT LIVING IN A 55+ COMMUNITY. Welcome home to the beautiful condo in Imperial Harbours. This well maintained 2 bedroom, 2 bathroom condo offers beautiful views of the pool and grounds from the sunroom and master bedroom. There is a living room/dining room combination with a pass thru window to the kitchen, perfect for entertaining or for relaxing after a fun day of activities. The kitchen comes equipped with a refrigerator, dishwasher, stove and range hood. Spacious bedrooms with ample closet space. Tile floors and carpet throughout. Laundry area with washer. Insulated vinyl windows. Community amenities include meticulously maintained and manicured grounds, beautiful heated pool, relax or grill out at the covered gazebo, enjoy the shuffle board courts, enjoy the activities in the recreation room. Work out or play a game of billiards in the exercise room. Private use of the community dock, where you can take your boat and head out on the Chain of Lakes for a leisurely cruise to one of the waterfront restaurants or spend the day fishing on any of the 17 lakes connected by navigable canals. Whether you are looking for a year round home or simply a winter retreat, this is the place for you. This unit also includes a separate storage area and a designated parking space. Laundry mat also on premises. Close to downtown Winter Haven, shopping, and Legoland. Please be prepared to provide a proof of funds letter or pre-approval letter prior to setting an appointment. Schedule your private showing today.

Key facts

• Fishing pier
• Community pool
• Workout facility

Tags

• LAKE ACCESS
• FISHING PIER
• BOAT RAMP
• SUNRISE VIEWS
• COMMUNITY POOL
• WORKOUT FACILITY

Property features AI

Finance

• Other: Irrigation equipment; Furnished; Directions available; Third-party listing; Living area and building area per public records
• Financial info: Total annual fees $5,292; Lease restrictions apply
• HOA & community: HOA required (monthly fee $441); Association amenities: cable TV, fitness center, laundry facilities, maintenance, pool, shuffleboard court; Association fee includes cable TV, pool, insurance, structure maintenance, grounds maintenance, sewer, trash, water; Association approval required; Buyer approval required for community; Wheelchair access; Senior community; Pets not allowed

Exterior

• Parking: Assigned parking; Covered parking; Guest parking; Carport (1 space)
• Utilities: Public water; Public sewer; Public utilities
• Home design: Condominium; Residential property type; 3 total stories; Unit on 2nd floor; Faces west
• Construction: Stucco construction; Shingle roof; Slab foundation; Building has elevator
• Exterior features: Rear porch; Landscaped; Near public transit; Private lot features; Sidewalks; On waterfront (Lake Howard) with 20 ft frontage; Lake - Chain of Lakes access; Boat ramp - private; Fishing pier; Skiing allowed; Cabana; Storage

Interior

• Kitchen: Dishwasher; Range; Range hood; Refrigerator
• Bedrooms: 2 bedrooms
• Flooring: Laminate; Tile
• Bathrooms: 2 full bathrooms
• Heating & cooling: Central heating (electric); Central air conditioning
• Interior features: Ceiling fans; Living room/dining room combo; Open floorplan; Florida room
• Laundry & utility: Washer included; Inside laundry; Laundry closet; Laundry room; Outside access to laundry

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath condo listed at $76k.

Deal economics

• At list price, monthly cash flow is $240 ($3k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($2k rent vs $76k).
• Recommended offer: $72k (6.0% 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: schools C-, employment C-, amenities 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.
• Market conditions: Rents rising (+2.5%/yr); 341 active listings in the ZIP; 37 comparable units currently listed for rent nearby; rentals at typical pace (median 19d 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 33% 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 $529 of loan paydown is wiped out by about $2k 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.
• At projected returns (-3.0% appreciation + 2.5% rent growth), your $21k cash investment doubles in ~10 years — after that, you're playing with house money.

Negotiation context

• It's been on market 65 days — a 6% lower offer ($72k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 21y ago; this cycle's ask has dropped $6k (7%) from the opening price — seller is motivated, your offer sets the floor, not the list.
• Current owner paid $60k; 27% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Watch-outs: HOA is 28% 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 $71,910 (6.0% below list)

Questions for the listing agent

1. It's been on market 65 days. Have you received any prior offers? Is the seller open to a 6% concession, seller financing, or rate buy-down credit?
2. Built in 1974 — 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. This sits on a lake — are riparian / water-frontage rights deeded with the parcel? Any dock permits, shoreline easements, or HOA water-use restrictions?
8. What's the documented flood / surge / shoreline-erosion history here (FEMA AND non-FEMA — e.g., storm surge, creek backup, septic-field saturation)?
9. Any water-quality or seasonal algae-bloom issues that affect tenant satisfaction or short-term-rental demand?
10. 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.
11. 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.
12. 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: 2.06% ✓
• Cap rate: 10.06%
• Cash-on-cash: 13.46%
• DSCR: 1.60
• GRM: 4.0

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: 2.9%
• Equity multiple: 1.11×
• Total profit: $2,386
• Equity at exit: $11,406

10-year hold

• IRR: 11.9%
• Equity multiple: 1.92×
• Total profit: $19,673
• Equity at exit: $6,614

Cash invested: $21,420 (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: 341
• Price-to-rent: 4.0×

Monthly cashflow live

• Estimated rent: $1,574 high
• Mortgage (P&I): −$401
• Tax from tax record: −$129 /mo · $1,551/yr
• Insurance: −$32
• HOA: −$441
• Vacancy / Maint / Mgmt: −$331
• Net cashflow: $240

Break-even live

Break-even rent $1,270

Max offer price $76,500

Occupancy floor 80%

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: $19,125
• Closing costs: $2,295
• Reserves months: —
• Total cash needed: —

Rent comps 37 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
333 Lake Howard Dr NW Unit 312C Winter Haven, FL	2.0	2.0	1030	$1,425	$1.38	23d	1	0.03mi
350 24th St NW Winter Haven, FL	2.0	1.0–2.0	660	$1,549	$2.35	3d	13	0.19mi
2414 Avenue A Ter NW Winter Haven, FL	3.0	2.0	1456	$1,900	$1.30	14d	1	0.28mi
2016 Avenue G NW Unit 2016 Winter Haven, FL	2.0	1.0	832	$1,125	$1.35	14d	1	0.28mi
2214 Avenue B SW Winter Haven, FL	3.0	2.0	1336	$1,775	$1.33	23d	1	0.34mi
2416 Avenue B SW Winter Haven, FL	3.0	2.0	1373	$2,000	$1.46	23d	1	0.38mi
2014 S Lake Cannon Dr NW Winter Haven, FL	3.0	2.0	1403	$2,350	$1.67	23d	1	0.40mi
265 25th St SW Unit B Winter Haven, FL	2.0	1.0	880	$1,200	$1.36	23d	1	0.52mi
729 Crestwood Dr Winter Haven, FL	3.0	1.0	1156	$1,550	$1.34	23d	1	0.71mi
521 20th St SW Winter Haven, FL	2.0	1.0	732	$1,175	$1.61	3d	1	0.73mi
611 34th St NW Winter Haven, FL	2.0	1.0	910	$1,500	$1.65	23d	1	0.88mi
Deena Way Winter Haven, FL	2.0	1.5	840	$1,225	$1.46	23d	1	0.90mi
3135 Woodhill Rd Unit 3127 Winter Haven, FL	2.0	1.0	950	$1,450	$1.53	23d	1	1.00mi
3135 Woodhill Rd Unit 3205 Winter Haven, FL	2.0	1.0	950	$1,350	$1.42	23d	1	1.00mi
604 Patrick Ave Winter Haven, FL	3.0	1.0	1170	$1,850	$1.58	3d	1	1.04mi
1254 34th St NW Winter Haven, FL	3.0	2.0	1102	$1,690	$1.53	3d	1	1.09mi
502 Glad Rd Winter Haven, FL	3.0	2.0	1340	$1,815	$1.35	14d	1	1.13mi
506 Holt Cir Winter Haven, FL	3.0	2.0	1032	$1,675	$1.62	3d	1	1.15mi
1300 S Lake Howard Dr Winter Haven, FL	1.0–3.0	1.5–2.0	1464	$1,788	$1.22	10d	20	1.17mi
309 Vaniman Ave Winter Haven, FL	3.0	1.0	1089	$1,610	$1.48	23d	1	1.18mi
1335 34th St NW Winter Haven, FL	2.0	2.0	1200	$1,706	$1.42	3d	1	1.21mi
701 Bates Ave SW Unit 101 Winter Haven, FL	3.0	1.0	1000	$1,600	$1.60	23d	1	1.22mi
701 Bates Ave SW Unit 203 Winter Haven, FL	3.0	2.0	1100	$1,700	$1.55	3d	1	1.22mi
701 Bates Ave SW Unit 102 Winter Haven, FL	3.0	2.0	1100	$1,700	$1.55	23d	1	1.22mi
5004 Dream Dr Winter Haven, FL	1.0–2.0	1.0–2.0	859	$1,899	$2.21	3d	71	1.22mi
5004 Dream Dr Winter Haven, FL	1.0–2.0	1.0–2.0	859	$1,899	$2.21	14d	76	1.22mi
1935 Avenue O SW Unit 201 Winter Haven, FL	2.0	2.0	1015	$1,400	$1.38	19d	1	1.26mi
310 Mayfair Pl SW Winter Haven, FL	2.0	2.0	1240	$1,525	$1.23	23d	1	1.27mi
1304 15th St SW Winter Haven, FL	3.0	1.0	900	$1,750	$1.94	23d	1	1.31mi
720 6th St NW Unit 1 Winter Haven, FL	2.0	1.0	740	$750	$1.01	23d	1	1.32mi
720 6th St NW Unit 3 Winter Haven, FL	2.0	1.0	740	$700	$0.95	23d	1	1.32mi
700 Mirror Ter NW #705 Winter Haven, FL	2.0	2.0	1190	$1,500	$1.26	3d	1	1.34mi
3823 Avenue J NW Winter Haven, FL	3.0	1.0	1050	$1,696	$1.62	3d	1	1.34mi
1874 Avenue Q SW Winter Haven, FL	2.0	1.5	995	$1,250	$1.26	3d	1	1.43mi
1870 Avenue Q SW Winter Haven, FL	2.0	1.5	960	$1,199	$1.25	3d	1	1.43mi
1860 Avenue Q SW Winter Haven, FL	2.0	1.5	995	$1,199	$1.21	19d	1	1.43mi
2000 15th Ct NW Winter Haven, FL	2.0	1.0	750	$1,395	$1.86	3d	1	1.49mi

HOA detail condo

• Monthly dues: $441 · $5,292/yr
• Likely covers: waterlandscapingpool
• Assessments: None detected in remarks — confirm with the listing agent.

Listing history 27 events

1. 2026-06-18
   days on market $76,500 Active 65 DOM
2. 2026-06-17
   days on market $76,500 Active 64 DOM
3. 2026-06-16
   days on market $76,500 Active 63 DOM
4. 2026-06-15
   days on market $76,500 Active 62 DOM
5. 2026-06-13
   pricedays on market $76,500 Active 60 DOM
6. 2026-06-10
   days on market $79,000 Active 57 DOM
7. 2026-06-09
   days on market $79,000 Active 56 DOM
8. 2026-06-08
   days on market $79,000 Active 55 DOM
9. 2026-06-07
   days on market $79,000 Active 54 DOM
10. 2026-06-05
    days on market $79,000 Active 51 DOM
11. 2026-06-03
    days on market $79,000 Active 50 DOM
12. 2026-06-03
    days on market $79,000 Active 49 DOM
13. 2026-06-01
    days on market $79,000 Active 48 DOM
14. 2026-05-31
    days on market $79,000 Active 47 DOM
15. 2026-05-11
    price $79,000
16. 2026-04-14
    listed $82,000 Active
17. 2017-10-10
    soldstatus $60,100 Sold 1527-char remark

    Show marketing remark (1527 chars)

    LAKEFRONT LIVING IN A 55+ COMMUNITY. Welcome home to the beautiful condo in Imperial Harbours. This well maintained 2 bedroom, 2 bathroom condo offers beautiful views of the pool and grounds from the sunroom and master bedroom. There is a living room/dining room combination with a pass thru window to the kitchen, perfect for entertaining or for relaxing after a fun day of activities. The kitchen comes equipped with a refrigerator, dishwasher, stove and range hood. Spacious bedrooms with ample closet space. Tile floors and carpet throughout. Laundry area with washer. Insulated vinyl windows. Community amenities include meticulously maintained and manicured grounds, beautiful heated pool, relax or grill out at the covered gazebo, enjoy the shuffle board courts, enjoy the activities in the recreation room. Work out or play a game of billiards in the exercise room. Private use of the community dock, where you can take your boat and head out on the Chain of Lakes for a leisurely cruise to one of the waterfront restaurants or spend the day fishing on any of the 17 lakes connected by navigable canals. Whether you are looking for a year round home or simply a winter retreat, this is the place for you. This unit also includes a separate storage area and a designated parking space. Laundry mat also on premises. Close to downtown Winter Haven, shopping, and Legoland. Please be prepared to provide a proof of funds letter or pre-approval letter prior to setting an appointment. Schedule your private showing today.

18. 2017-10-10
    soldstatus $60,100

    Show marketing remark (1527 chars)

    LAKEFRONT LIVING IN A 55+ COMMUNITY. Welcome home to the beautiful condo in Imperial Harbours. This well maintained 2 bedroom, 2 bathroom condo offers beautiful views of the pool and grounds from the sunroom and master bedroom. There is a living room/dining room combination with a pass thru window to the kitchen, perfect for entertaining or for relaxing after a fun day of activities. The kitchen comes equipped with a refrigerator, dishwasher, stove and range hood. Spacious bedrooms with ample closet space. Tile floors and carpet throughout. Laundry area with washer. Insulated vinyl windows. Community amenities include meticulously maintained and manicured grounds, beautiful heated pool, relax or grill out at the covered gazebo, enjoy the shuffle board courts, enjoy the activities in the recreation room. Work out or play a game of billiards in the exercise room. Private use of the community dock, where you can take your boat and head out on the Chain of Lakes for a leisurely cruise to one of the waterfront restaurants or spend the day fishing on any of the 17 lakes connected by navigable canals. Whether you are looking for a year round home or simply a winter retreat, this is the place for you. This unit also includes a separate storage area and a designated parking space. Laundry mat also on premises. Close to downtown Winter Haven, shopping, and Legoland. Please be prepared to provide a proof of funds letter or pre-approval letter prior to setting an appointment. Schedule your private showing today.

19. 2017-09-08
    price $61,100 1527-char remark

    Show marketing remark (1527 chars)

    LAKEFRONT LIVING IN A 55+ COMMUNITY. Welcome home to the beautiful condo in Imperial Harbours. This well maintained 2 bedroom, 2 bathroom condo offers beautiful views of the pool and grounds from the sunroom and master bedroom. There is a living room/dining room combination with a pass thru window to the kitchen, perfect for entertaining or for relaxing after a fun day of activities. The kitchen comes equipped with a refrigerator, dishwasher, stove and range hood. Spacious bedrooms with ample closet space. Tile floors and carpet throughout. Laundry area with washer. Insulated vinyl windows. Community amenities include meticulously maintained and manicured grounds, beautiful heated pool, relax or grill out at the covered gazebo, enjoy the shuffle board courts, enjoy the activities in the recreation room. Work out or play a game of billiards in the exercise room. Private use of the community dock, where you can take your boat and head out on the Chain of Lakes for a leisurely cruise to one of the waterfront restaurants or spend the day fishing on any of the 17 lakes connected by navigable canals. Whether you are looking for a year round home or simply a winter retreat, this is the place for you. This unit also includes a separate storage area and a designated parking space. Laundry mat also on premises. Close to downtown Winter Haven, shopping, and Legoland. Please be prepared to provide a proof of funds letter or pre-approval letter prior to setting an appointment. Schedule your private showing today.

20. 2017-09-08
    status Pending 1527-char remark

    Show marketing remark (1527 chars)

    LAKEFRONT LIVING IN A 55+ COMMUNITY. Welcome home to the beautiful condo in Imperial Harbours. This well maintained 2 bedroom, 2 bathroom condo offers beautiful views of the pool and grounds from the sunroom and master bedroom. There is a living room/dining room combination with a pass thru window to the kitchen, perfect for entertaining or for relaxing after a fun day of activities. The kitchen comes equipped with a refrigerator, dishwasher, stove and range hood. Spacious bedrooms with ample closet space. Tile floors and carpet throughout. Laundry area with washer. Insulated vinyl windows. Community amenities include meticulously maintained and manicured grounds, beautiful heated pool, relax or grill out at the covered gazebo, enjoy the shuffle board courts, enjoy the activities in the recreation room. Work out or play a game of billiards in the exercise room. Private use of the community dock, where you can take your boat and head out on the Chain of Lakes for a leisurely cruise to one of the waterfront restaurants or spend the day fishing on any of the 17 lakes connected by navigable canals. Whether you are looking for a year round home or simply a winter retreat, this is the place for you. This unit also includes a separate storage area and a designated parking space. Laundry mat also on premises. Close to downtown Winter Haven, shopping, and Legoland. Please be prepared to provide a proof of funds letter or pre-approval letter prior to setting an appointment. Schedule your private showing today.

21. 2017-09-04
    listed $60,000 Active 1527-char remark

    Show marketing remark (1527 chars)

    LAKEFRONT LIVING IN A 55+ COMMUNITY. Welcome home to the beautiful condo in Imperial Harbours. This well maintained 2 bedroom, 2 bathroom condo offers beautiful views of the pool and grounds from the sunroom and master bedroom. There is a living room/dining room combination with a pass thru window to the kitchen, perfect for entertaining or for relaxing after a fun day of activities. The kitchen comes equipped with a refrigerator, dishwasher, stove and range hood. Spacious bedrooms with ample closet space. Tile floors and carpet throughout. Laundry area with washer. Insulated vinyl windows. Community amenities include meticulously maintained and manicured grounds, beautiful heated pool, relax or grill out at the covered gazebo, enjoy the shuffle board courts, enjoy the activities in the recreation room. Work out or play a game of billiards in the exercise room. Private use of the community dock, where you can take your boat and head out on the Chain of Lakes for a leisurely cruise to one of the waterfront restaurants or spend the day fishing on any of the 17 lakes connected by navigable canals. Whether you are looking for a year round home or simply a winter retreat, this is the place for you. This unit also includes a separate storage area and a designated parking space. Laundry mat also on premises. Close to downtown Winter Haven, shopping, and Legoland. Please be prepared to provide a proof of funds letter or pre-approval letter prior to setting an appointment. Schedule your private showing today.

22. 2005-05-26
    soldstatus $73,000
23. 2005-05-19
    soldstatus $73,000 150-char remark

    Show marketing remark (150 chars)

    Condo on Chain of Lakes in good condition. Lake frontage, boat dock, cable, water furnished, heated swimming pool, community rooms and much much more.

24. 2005-04-18
    listed $75,000 150-char remark

    Show marketing remark (150 chars)

    Condo on Chain of Lakes in good condition. Lake frontage, boat dock, cable, water furnished, heated swimming pool, community rooms and much much more.

25. 2003-06-04
    soldstatus $53,500
26. 2001-12-27
    soldstatus $45,700
27. 1976-11-01
    soldstatus $30,000

ⓘ 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: $1,551 · $129/mo
• Projected year-2 tax: $1,551 · $129/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: $18,889
• − Mortgage interest: −$4,285
• − Property taxes: −$1,551
• − Insurance: −$382
• − Repairs & maintenance: −$1,511
• − Management: −$1,511
• − HOA: −$5,292
• − Depreciation: −$2,225
• Taxable income: $2,131
• Est. tax owed @ 24.0%: −$511
• After-tax cash flow: $2,372/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

+163.3% since first listed

13 events — show timeline

• 2026-05-11 Price Changed $79,000 Stellar MLS as Distributed by MLS Grid
• 2026-04-14 Listed $82,000 Stellar MLS as Distributed by MLS Grid
• 2017-10-10 Sold (Public Records) $60,100 Public Records
• 2017-10-10 Sold (MLS) $60,100 Stellar MLS as Distributed by MLS Grid
• 2017-09-08 Price Changed $61,100 Stellar MLS as Distributed by MLS Grid
• 2017-09-08 Pending — Stellar MLS as Distributed by MLS Grid
• 2017-09-04 Listed $60,000 Stellar MLS as Distributed by MLS Grid
• 2005-05-26 Sold (Public Records) $73,000 Public Records
• 2005-05-19 Sold (MLS) $73,000 Stellar MLS as Distributed by MLS Grid
• 2005-04-18 Listed $75,000 Stellar MLS as Distributed by MLS Grid
• 2003-06-04 Sold (Public Records) $53,500 Public Records
• 2001-12-27 Sold (Public Records) $45,700 Public Records
• 1976-11-01 Sold (Public Records) $30,000 Public Records

Property tax history

+28.6%/yr

Latest (2025): $1,551 · +4.1% YoY. Source: county tax records.