386 TOWNBRIDGE DRIVE, HAINES CITY, FL, 33844
Active45 days on marketListed Sep 23, 2026MLS #L4965296
About this home
386 TOWNBRIDGE DRIVE
This home is a cutie.....well appointed, extra finished room for guest or sitting area. Turn key, no known projects. 2 bdrm 2 bath, newer kitchen with updated cabinets, roof only 2 years old. See this well priced home if you want to live in one of the best communities around. don't over look that you get a deeded lot, a golf cart, fully furnished and all the amenities that Sweetwater has......18 hole golf course, heated pool, fishing and kayak lake, Beautiful Clubhouse with billiards, library, craft room, ballroom, and full service Pub. We are a very active Gated community with plenty to do. Call to schedule your tour.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
768
Sqft
0.1 ac
Lot size
1990
Year built
One
Levels
$150
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.
$1,513 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$1,513/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+26.7%
$/sqft vs SWEETWATER GOLF & TENNIS CLUB
$150 vs $146
Days on market
45 vs 55 typical
Where $150/sqft sits among the 12 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
$2,085/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
1,529
Median age
70
Median income
$72,555
Median home value
$32,850
Avg household
2
Households w/ children
17%
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
$315K → $313K
Haines City median sold, yr/yr
98.8%
Sale-to-list ratio (12 mo)
5 of 12
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 58% 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 386 TOWNBRIDGE DRIVE
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$120,000
197 DARTMOUTH DRIVE · same community
2 bd · 2 ba · 768 sqft · $156/sqft · 7 DOM
Sold · Apr ’26$90,000
261 RAMSGATE WAY · same community
2 bd · 2 ba · 900 sqft · $100/sqft · 309 DOM
Sold · Dec ’25$105,000
208 YORK COTTAGE DRIVE · same community
2 bd · 2 ba · 936 sqft · $112/sqft · 159 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 386 TOWNBRIDGE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 386 TOWNBRIDGE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
386 TOWNBRIDGE DRIVE FAQs
What would the monthly payment be for 386 TOWNBRIDGE DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,513/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 386 TOWNBRIDGE 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 386 TOWNBRIDGE DRIVE?+
The most recent tax bill on record (2025) was $1,502. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 386 TOWNBRIDGE 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 386 TOWNBRIDGE DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $115,000, this home is listed about 62% below the Haines City median of $300,000. The market section on this page shows how the area is trending.
Which schools are assigned to 386 TOWNBRIDGE 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.
The brief
Four things that matter here
01Under the HAINES CITY 33844 market on paper
$115,000 is 58% below the HAINES CITY 33844 median of $275,000, and at $150/sqft it sits under the Haines City average of $183.
02Zoned for nightly rentals
Sweetwater Club is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
04The price has already moved
Listed at $125,000, now $115,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of SWEETWATER RESALES · Lucille Spaulding. MLS #L4965296.
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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