900 AVENUE Z SE UNIT A1, WINTER HAVEN, FL, 33880
Active95 days on marketListed May 10, 2026MLS #L4961664
About this home
900 AVENUE Z SE UNIT A1
Virtually Staged. Downstairs, corner unit condo conveniently located within a well-maintained waterfront community in Winter Haven, this affordable condo offers comfortable, low-maintenance living just minutes from shopping, dining, medical facilities, and the area's renowned Chain of Lakes. Ground-floor, furnished condo in Sandy Cove, a lakefront community on the beautiful Winter Haven Chain of Lakes. This furnished 2-bedroom, 1-bath unit offers low-maintenance living that’s ideal for full-time residents, seasonal owners, retirees, or anyone seeking a convenient Florida lifestyle. The layout offers comfortable living with a spacious great room featuring laminate flooring, a ceiling fan, and sliding doors leading to the enclosed Florida room. The adjacent dining space is cozy and ideal for entertaining or quiet nights in. The kitchen is complete with quartz countertops, included appliances, and a stackable washer and dryer. The unit also features double-pane windows for improved energy efficiency, comfort, and noise reduction. The primary bedroom is generously sized and features a ceiling fan, walk-in closet, and direct access to the bathroom. The guest bedroom is also comfortably sized with a built-in closet, ceiling fan, and en-suite-style bathroom access. The bathroom has been updated with an upgraded vanity, solid-surface countertop, and walk-in shower. Enjoy outdoor living from the enclosed Florida room with screens and vinyl windows, perfect for relaxing or entertaining year-round. This ground-floor unit is ideally positioned just steps from the community clubhouse, grill area, and heated pool maintained at approximately 85 degrees for year-round enjoyment. Sandy Cove also offers a community dock on Lake Lulu, one of twenty+ lakes on the Winter Haven Chain, providing a peaceful setting to unwind, enjoy waterfront views, and take in beautiful Florida sunsets. HOA covers water, trash, sewer and all outside maintenance for worry-free living. Residents enjoy the relaxed lifestyle that makes Winter Haven so desirable, including boating, fishing, lakeside dining, golf courses, walking paths, and year-round community events. Conveniently located near everyday essentials and recreation, the condo is just minutes from Publix Super Markets, CVS Pharmacy, restaurants, banks, medical offices, and Walmart shopping. Nearby public boat access on Lake Summit makes it easy to enjoy the Chain of Lakes lifestyle, while several local golf courses are only a short drive away. The location also provides convenient access to both Orlando and ,making this an excellent choice for easy, low-maintenance Central Florida living.
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
840
Sqft
0 ac
Lot size
1974
Year built
One
Levels
$149
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.
$1,082 /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
$1,082/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
+18.8%
$/sqft vs Winter Haven actives
$149 vs $169
Days on market
95 vs 49 typical
Where $149/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 33880 — neighborhood snapshot
Population
42,336
Median age
36.5
Median income
$56,803
Median home value
$200,900
Avg household
2.8
Households w/ children
5,516
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)
206 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 44% 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 900 AVENUE Z SE UNIT A1
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$115,800
900 AVENUE Z SE UNIT C2 · same community
2 bd · 1 ba · 840 sqft · $138/sqft · 62 DOM
Sold · Jun ’26$105,000
2037 SAN MARCOS DRIVE SE UNIT 217
2 bd · 2 ba · 826 sqft · $127/sqft · 400 DOM
Sold · May ’26$95,000
2037 SAN MARCOS DRIVE SE UNIT 335
2 bd · 2 ba · 826 sqft · $115/sqft · 227 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
Jessica Stickler
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 900 AVENUE Z SE UNIT A1 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 900 AVENUE Z SE UNIT A1 — before you fall in love.
See it in person
Schedule a tour
Live availability from Jessica's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
900 AVENUE Z SE UNIT A1 FAQs
What would the monthly payment be for 900 AVENUE Z SE UNIT A1?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,082/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 900 AVENUE Z SE UNIT A1?+
The most recent tax bill on record (2025) was $1,582. 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 900 AVENUE Z SE UNIT A1?+
The listing reports pets: No. 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 $124,900, this home is listed about 56% below the Winter Haven median of $284,900. The market section on this page shows how the area is trending.
Which schools are assigned to 900 AVENUE Z SE UNIT A1?+
Denison Middle School (middle), Winter Haven Senior High School (high), 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
$124,900 is 44% below the WINTER HAVEN 33880 median of $224,900, and at $149/sqft it sits under the Winter Haven average of $173.
02Pool views
The pool view is part of what you're buying — views hold value independently of the structure.
03The price has already moved
Listed at $135,000, now $124,900 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of THE STONES REAL ESTATE FIRM · Michael Stone. MLS #L4961664.
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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