22ND STREET SW, WINTER HAVEN, FL, 33880
Active13 days on marketListed Sep 29, 2026MLS #L4965413
About this home
22ND STREET SW
Ready to build your dream home in Winter Haven, Florida? This .77-acre lot is ready for you. Located next to South Lake Howard Nature Park with beautiful walking trails. The lot will need electric, water and a driveway. This secluded lot is located at the end of a dead-end street, so you have the privacy you want. Conveniently located near shopping, dining and medical facilities. Choose your own builder or we can recommend one. Buy now to build or just hold onto until the time is right.
Facts & features
The home at a glance
0.77 ac
Lot size
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.
$751 /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
$751/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.
The investor lens
Two ways this home pays
This home sits inside West Haven, 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
$1,800/mo median
Live Winter Haven rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside West Haven
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
West Haven is a short-term-rental community. See the full 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 → $279K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 61% 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 22ND STREET SW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$191,900
73 HIGH STREET
2 bd · 1 ba · 792 sqft · $242/sqft · 59 DOM
Sold · Dec ’25$245,000
605 KINGS LANE SW
3 bd · 2 ba · 950 sqft · $258/sqft · 72 DOM
Sold · Apr ’26$185,000
99 HIGH STREET
3 bd · 2 ba · 960 sqft · $193/sqft · 2 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 22ND STREET SW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 22ND STREET 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
22ND STREET SW FAQs
What would the monthly payment be for 22ND STREET SW?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $751/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 22ND STREET SW?+
The most recent tax bill on record (2025) was $411. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 22ND STREET SW be rented short-term?+
Yes — this home sits inside West Haven, 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.
How does the price compare to other homes in Winter Haven?+
At $88,000, this home is listed about 69% below the Winter Haven median of $284,995. The market section on this page shows how the area is trending.
Which schools are assigned to 22ND STREET SW?+
Westwood Middle School (middle), Fred G. Garner Academy (elementary), Lake Region High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of REGAL REAL ESTATE LLC · Tammy Storie. MLS #L4965413.
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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