215 SANTA ROSA DRIVE, WINTER HAVEN, FL, 33884
Active9 days on marketListed Aug 25, 2026MLS #A4703624
About this home
215 SANTA ROSA DRIVE
This spacious 4-bedroom, 2-bathroom single-family home offers approximately 2,355 square feet of living space on a generous 0.34-acre lot, providing plenty of room to make it your own. This property offers a great opportunity for buyers looking to customize a home to their style and potentially build equity through improvements. First time home buyer, ask about the possibility of purchasing with an FHA 203(k) renovation loan, which may allow qualified buyers to finance both the purchase of the home and eligible renovations into one mortgage. Whether you're looking for a primary residence or an opportunity for investor to create additional value, this home offers flexibility and potential in a convenient Winter Haven location. Schedule your private showing today and explore the possibilities this property has. FHA 203(k) financing is subject to buyer and property qualification and lender approval.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,355
Sqft
0.34 ac
Lot size
2
Garage
1988
Year built
One
Levels
$136
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,502 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,502/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−13.3%
$/sqft vs Winter Haven actives
$136 vs $169
Days on market
9 vs 48 typical
Where $136/sqft sits among the 400 Winter Haven actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Winter Haven
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
WINTER HAVEN 33884 — neighborhood snapshot
Population
36,395
Median age
45.3
Median income
$70,516
Median home value
$269,400
Avg household
2.58
Households w/ children
3,777
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Haven market
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
211 of 400
Winter Haven actives have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% above the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 215 SANTA ROSA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$280,000
262 SANTA ROSA DRIVE · same community
4 bd · 2 ba · 2,336 sqft · $120/sqft · 99 DOM
Sold · Nov ’25$480,000
205 SANTA ROSA DRIVE · same community
3 bd · 2 ba · 2,251 sqft · $213/sqft · 11 DOM
Sold · Jun ’26$478,000
737 SANTA MARIA DRIVE · same community
4 bd · 2.5 ba · 2,571 sqft · $186/sqft · 17 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 215 SANTA ROSA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 215 SANTA ROSA DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
215 SANTA ROSA DRIVE FAQs
What would the monthly payment be for 215 SANTA ROSA DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,502/mo — principal and interest, the actual property-tax bill, the $46/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 215 SANTA ROSA DRIVE?+
The association fee works out to $46 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 215 SANTA ROSA DRIVE?+
The most recent tax bill on record (2025) was $3,255. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 215 SANTA ROSA DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Winter Haven?+
At $319,900, this home is listed about 12% above the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 215 SANTA ROSA DRIVE?+
Chain Of Lakes Elementary School (elementary), Lake Region High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of XCLUSIVE HOMES LLC · Cynthia Fernandez. MLS #A4703624.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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