128 AVENUE D SW, WINTER HAVEN, FL, 33880
Active106 days on marketListed Apr 24, 2026MLS #L4961329
About this home
128 AVENUE D SW
Short Sale. Hard to beat this combination of size, location, and upside. Located just one street from Winter Haven’s growing downtown district, this spacious approximately 2,200-square-foot home offers investors a rare opportunity to acquire a large property in an increasingly desirable area. The home is vacant and ready for renovation. Major system updates, including dual-zone air conditioning, have been completed in recent years, allowing the next owner to focus primarily on cosmetic improvements and value-add renovations. This property is being offered as a short sale and requires an investor offer. The seller is seeking a quick, as-is transaction, and the sale will be subject to lender approval. Cash or qualified investor financing preferred. No seller financing, lease-option, or subject-to terms are being offered. Large homes this close to downtown Winter Haven are increasingly difficult to find—especially with this much potential. Bring your contractor, run the numbers, and submit your best offer.
Facts & features
The home at a glance
5
Bedrooms
1.5
Bathrooms
2,200
Sqft
0.15 ac
Lot size
1925
Year built
Two
Levels
$80
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.
$1,575 /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
$1,575/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.
$/sqft vs Winter Haven actives
$80 vs $170
Days on market
106 vs 49 typical
Where $80/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 South College
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
South College — neighborhood snapshot
Population
159
Median age
33
Median income
$47,034
Median home value
$111,683
Avg household
2
Households w/ children
21%
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)
195 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 22% below the WINTER HAVEN 33880 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 128 AVENUE D SW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$290,000
685 AVENUE N SE
4 bd · 3 ba · 2,212 sqft · $131/sqft · 58 DOM
Sold · Jan ’26$319,000
145 WATERSIDE CIRCLE
4 bd · 2 ba · 2,080 sqft · $153/sqft · 6 DOM
Sold · Jul ’26$440,000
980 WEDGEWOOD DR SE
4 bd · 3 ba · 2,363 sqft · $186/sqft · 31 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 128 AVENUE D SW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 128 AVENUE D SW — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
128 AVENUE D SW FAQs
What would the monthly payment be for 128 AVENUE D SW?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,575/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 128 AVENUE D SW?+
The most recent tax bill on record (2025) was $3,693. 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 128 AVENUE D SW?+
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 $175,000, this home is listed about 39% 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 128 AVENUE D SW?+
Winter Haven Senior High School (high), Denison Middle School (middle), John Snively Elementary (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the WINTER HAVEN 33880 market on paper
$175,000 is 22% below the WINTER HAVEN 33880 median of $225,000, and at $80/sqft it sits under the Winter Haven average of $174.
02Time on market is leverage
106 days on market against a Winter Haven median of 49 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $235,000, now $175,000 — a $60K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LOKATION · Chad Lindsey. MLS #L4961329.
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.
Never miss a listing
New Winter Haven homes, in your inbox
Like 128 AVENUE D SW but not quite? A daily digest of every new listing in Winter Haven — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Donna to ping you on any price or status change →