221 AVENUE L NE, WINTER HAVEN, FL, 33881
Active137 days on marketListed Mar 18, 2026MLS #O6391663
About this home
221 AVENUE L NE
Cozy 3-Bed, 3-Bath Home Near Downtown Winter Haven Welcome to your next chapter in the heart of Winter Haven. This warm and inviting 3-bedroom, 3-bathroom home offers the perfect blend of comfort, convenience, and Florida charm. Just minutes from downtown, you’ll enjoy easy access to local shops, dining, parks, and community events while still coming home to a peaceful, cozy retreat. Step inside to discover a spacious layout designed for both relaxation and connection. Whether you’re hosting gatherings or enjoying quiet evenings in, this home offers plenty of room for your family to grow and make memories. One of the standout perks of this location is the proximity to beautiful Lake Silver. Spend your weekends enjoying water sports, lakeside strolls, or taking in the festive fireworks that light up the sky throughout the year. It’s a lifestyle that blends everyday comfort with a touch of lakeside magic. This home is ready to welcome its new family with open arms—and plenty of space.
Facts & features
The home at a glance
3
Bedrooms
3
Bathrooms
1,000
Sqft
0.11 ac
Lot size
1948
Year built
One
Levels
$226
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.
$1,835 /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
$1,835/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 Winter Haven actives
$226 vs $170
Days on market
137 vs 42 typical
Where $226/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 Florence Villa
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
Florence Villa — neighborhood snapshot
Population
5,369
Median age
39
Median income
$30,573
Median home value
$63,082
Avg household
3
Households w/ children
620
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
$285K → $287K
Winter Haven median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
190 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 8% below the WINTER HAVEN 33881 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 221 AVENUE L NE
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$207,000
766 BATES AVENUE SW
2 bd · 1 ba · 992 sqft · $209/sqft · 43 DOM
Sold · Dec ’25$184,000
412 2ND STREET SW
3 bd · 1.5 ba · 986 sqft · $187/sqft · 268 DOM
Sold · Mar ’26$140,000
104 14TH STREET SE
2 bd · 1 ba · 1,018 sqft · $138/sqft · 10 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 221 AVENUE L NE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 221 AVENUE L NE — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
221 AVENUE L NE FAQs
What would the monthly payment be for 221 AVENUE L NE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,835/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 221 AVENUE L NE?+
The most recent tax bill on record (2025) was $2,938. 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 Winter Haven?+
At $226,000, this home is listed about 21% below the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 221 AVENUE L NE?+
Fred G. Garner Academy (elementary), Winter Haven Senior High School (high), 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
01Under the WINTER HAVEN 33881 market on paper
$226,000 is 8% below the WINTER HAVEN 33881 median of $245,000.
02Time on market is leverage
137 days on market against a Winter Haven median of 42 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $236,800, now $226,000 — a $11K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Vanessa Marshall. MLS #O6391663.
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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