116 BREAM STREET, HAINES CITY, FL, 33844
Active24 days on marketListed Aug 27, 2026MLS #L4964539
About this home
116 BREAM STREET
Welcome to your own waterfront retreat on the *Kissimmee Chain of Lakes* This inviting 3-bedroom, 2-bath home is situated on a canal leading to beautiful Lake Hatchineha, offering an incredible opportunity for those who love boating, fishing and the Florida outdoor lifestyle. The home features a durable METAL ROOF 2025, AC-2020, 2-car garage, plus an additional covered carport providing plenty of space for vehicles, boats and recreational toys. Two storage sheds with additional room for fishing gear, tools and outdoor equipment. Step outside and enjoy true Florida living from the screened lanai featuring an approximately 8.5 x 16 swim/lap pool—perfect for cooling off or getting in your morning swim. Beyond the lanai, a paver patio and dedicated grilling area overlook the water, creating the perfect setting for relaxing, entertaining or enjoying peaceful evenings along the canal. Boaters and anglers will especially appreciate the property's two private boat slips with two boat lifts, allowing you to keep your boats ready for your next adventure. From your backyard, cruise through the canal into Lake Hatchineha and the Kissimmee Chain of Lakes, where you can enjoy miles of Intracoastal waterways that lead to the Gulf or the Atlantic & known for excellent fishing. Whether you're looking for a full-time residence or your own Seasonal waterfront getaway, this property offers the combination of comfortable living and the outdoor lifestyle Central Florida is known for. Centrally located between Orlando and Tampa, you'll enjoy a peaceful waterfront setting while remaining within reach of Central Florida's attractions, shopping, dining and recreation. Bring your boats, fishing poles and outdoor toys—Your LAKE-LIFE is waiting!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,596
Sqft
0.25 ac
Lot size
2
Garage
1976
Year built
One
Levels
$313
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.
$3,520 /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
$3,520/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 Haines City actives
$313 vs $174
Days on market
24 vs 46 typical
Where $313/sqft sits among the 399 Haines City 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 Haines City
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Haines City. See the full Haines City guide →
HAINES CITY 33844 — neighborhood snapshot
Population
49,133
Median age
39.4
Median income
$60,426
Median home value
$212,700
Avg household
2.9
Households w/ children
5,568
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Haines City market
$319K → $309K
Haines City median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
221 of 399
Haines City actives have cut their price
Median sold price, Haines City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 73% above the HAINES CITY 33844 median. See the full Haines City market guide →
Paper trail
This home's history
Reality check
What actually sold near 116 BREAM STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$400,000
155 LAKEVIEW DRIVE · same community
3 bd · 2 ba · 1,872 sqft · $214/sqft · 0 DOM
Sold · Sep ’25$260,000
168 CATFISH STREET · same community
3 bd · 2 ba · 1,188 sqft · $219/sqft · 29 DOM
Sold · Mar ’26$335,000
66 PERCH STREET · same community
2 bd · 2 ba · 1,164 sqft · $288/sqft · 92 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 116 BREAM STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 116 BREAM STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
116 BREAM STREET FAQs
What would the monthly payment be for 116 BREAM STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,520/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 116 BREAM STREET?+
The most recent tax bill on record (2025) was $2,353. 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 Haines City?+
At $499,900, this home is listed about 59% above the Haines City median of $313,995. The market section on this page shows how the area is trending.
Which schools are assigned to 116 BREAM STREET?+
Ridge Community High School (high), Horizons Elementary School (elementary), Lake Alfred Polytech Academy (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$499,900 runs 73% above the HAINES CITY 33844 median.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03The price has already moved
Listed at $524,999, now $499,900 — a $25K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of HARPER REALTY FL, LLC · Annie Wood. MLS #L4964539.
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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