109 REBECCA DRIVE NE, WINTER HAVEN, FL, 33881
Active251 days on marketListed Dec 4, 2025MLS #L4957719
About this home
109 REBECCA DRIVE NE
Virtually Staged. Beautifully remodeled in 2024, this move-in ready home offers modern updates, energy efficiency, and timeless comfort—all with no HOA. Step inside to an open-concept floor plan featuring high ceilings and abundant natural light. The brand-new kitchen impresses with contemporary finishes, while the updated bathrooms offer a fresh, stylish feel. A desirable split floor plan provides added privacy, making the home ideal for both families and guests. Major improvements include a newer roof and full re-plumbing, giving peace of mind for years to come. The home is also equipped with solar panels for low-cost energy, along with a natural-gas stove and gas water heater—perfect for efficiency and everyday convenience. Outside, enjoy great curb appeal, a fully fenced backyard for pets or play, and a spacious attached 2-car garage. With no HOA restrictions, you have the freedom to personalize, park, and use your property exactly the way you want. This beautifully updated home truly checks every box—style, function, efficiency, and freedom.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,560
Sqft
0.17 ac
Lot size
2
Garage
1993
Year built
One
Levels
$154
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 — not generic estimates.
$1,718 /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
$1,718/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
−8.9%
$/sqft vs Winter Haven actives
$154 vs $169
Days on market
251 vs 49 typical
Where $154/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 33881 — neighborhood snapshot
Population
39,189
Median age
43.6
Median income
$53,867
Median home value
$177,400
Avg household
2.61
Households w/ children
3,730
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)
208 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 2% below the WINTER HAVEN 33881 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 109 REBECCA DRIVE NE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$289,999
153 REBECCA DRIVE NE · same community
3 bd · 2 ba · 1,432 sqft · $203/sqft · 27 DOM
Sold · Sep ’25$297,000
1530 AVENUE C NE
3 bd · 2 ba · 1,564 sqft · $190/sqft · 13 DOM
Sold · Feb ’26$270,000
1421 AVENUE G NE
3 bd · 2 ba · 1,546 sqft · $175/sqft · 132 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
Krystina Allen
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 109 REBECCA DRIVE NE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 109 REBECCA DRIVE NE — before you fall in love.
See it in person
Schedule a tour
Live availability from Krystina's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
109 REBECCA DRIVE NE FAQs
What would the monthly payment be for 109 REBECCA DRIVE NE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,718/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 109 REBECCA DRIVE NE?+
The most recent tax bill on record (2024) was $510. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Winter Haven?+
At $239,500, this home is listed about 16% below the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 109 REBECCA DRIVE NE?+
Lake Alfred Polytech Academy (middle), Fred G. Garner Academy (elementary), Winter Haven Senior 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 KELLER WILLIAMS REALTY SMART 1 · David Small. MLS #L4957719.
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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