393 YORK COTTAGE DRIVE, HAINES CITY, FL, 33844
Active9 days on marketListed Sep 11, 2026MLS #L4964934
About this home
393 YORK COTTAGE DRIVE
This is a must-see property. Starts with a his & hers garage for the toys of preference and plenty of storage. Laundry is located in one, and a work bench located in the other. A lovely narrow sitting area separates them. Enter into the living room with a view of the dining area and the beautiful kitchen. The kitchen is a cook's delight, designed by a baker in 2024 for any type of chef. The stove has a dough proofer, slow cook and Convection oven, Bosch dishwasher and a 2026 LG Refrigerator. King size Primary Bedroom with a very nice built in closet for lots of storage. The connecting bath has been remodeled with a new tile step in 4'X4' large shower and single vanity, chair height commode. The Bonus room attached to the living room adds plenty of space for entertaining. Outside the Bonus is the ideal outdoor screened space for that quiet time for coffee in the morning or a relaxing cocktail in the evening. As an added bonus, there is a pet area designed for that small pet that can have exercise space and an area for the bathroom use. Security Cameras are a part of the house as well as a generator quick connect transfer switch. The 3-Ton A/C unit installed 2024 along with a new metal roof. There is no gray pipe. All this and a golf cart. Sweetwater is a gem of a community located in Central Florida. We are close to all the theme parks and an hour & 1/2 from either coast for beach time. One of the friendliness and compassionate communities you will come across.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,250
Sqft
0.13 ac
Lot size
1
Garage
1989
Year built
One
Levels
$144
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.
$1,755 /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
$1,755/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
+18.9%
$/sqft vs SWEETWATER GOLF & TENNIS CLUB
$144 vs $119
Days on market
9 vs 46 typical
Where $144/sqft sits among the 9 homes for sale in SWEETWATER GOLF & TENNIS CLUB
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.
The investor lens
Two ways this home pays
This home sits inside Sweetwater Club, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,200/mo median
Live Haines City rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Sweetwater Golf And Tennis Club
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Sweetwater Club is a short-term-rental community. See the full guide →
Sweetwater Golf And Tennis Club — neighborhood snapshot
Population
1,632
Median age
70
Median income
$70,273
Median home value
$28,345
Avg household
2
Households w/ children
15%
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)
4 of 9
SWEETWATER GOLF & TENNIS CLUB have cut their price
Median sold price, Haines City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 38% below the HAINES CITY 33844 median. See the full Haines City market guide →
Paper trail
This home's history
Reality check
What actually sold near 393 YORK COTTAGE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$170,000
353 MELBOURN DRIVE · same community
2 bd · 2 ba · 1,269 sqft · $134/sqft · 151 DOM
Sold · Apr ’26$155,000
118 VICTORIA DRIVE · same community
2 bd · 2 ba · 1,344 sqft · $115/sqft · 65 DOM
Sold · Jun ’26$95,000
192 DARTMOUTH DRIVE · same community
2 bd · 2 ba · 1,152 sqft · $82/sqft · 3 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 393 YORK COTTAGE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 393 YORK COTTAGE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
393 YORK COTTAGE DRIVE FAQs
What would the monthly payment be for 393 YORK COTTAGE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,755/mo — principal and interest, the actual property-tax bill, the $387/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 393 YORK COTTAGE DRIVE?+
The association fee works out to $387 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 393 YORK COTTAGE DRIVE?+
The most recent tax bill on record (2025) was $832. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 393 YORK COTTAGE DRIVE be rented short-term?+
Yes — this home sits inside Sweetwater Club, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 393 YORK COTTAGE DRIVE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit. 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 Haines City?+
At $179,900, this home is listed about 43% below the Haines City median of $313,995. The market section on this page shows how the area is trending.
Which schools are assigned to 393 YORK COTTAGE DRIVE?+
Lake Alfred Polytech Academy (middle), Haines City Senior High School (high), Horizons Elementary School (elementary) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of SWEETWATER RESALES · Anita Love. MLS #L4964934.
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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