425 N ANDREA CIRCLE, HAINES CITY, FL, 33844
Pending119 days on marketListed Apr 16, 2026MLS #O6399805
About this home
425 N ANDREA CIRCLE
Short Sale. ***Sale are subject to Short Sale Lender Approval**** Looking for new home construction without the wait? Your 3-bedroom, 2-bathroom open concept home awaits. Upon entry, a welcoming hallway leads to two bedrooms and a bathroom. Continuing down the hallway, you'll find a spacious kitchen featuring a large quartz countertop island equipped with a sink, dishwasher, and closet pantry with ample cabinet space. Adjacent to the kitchen, the living room and dining area offer a seamless flow with sliding door access to the fenced-in backyard. The primary ensuite boasts a walk-in closet, dual sinks, and a glass-enclosed shower. This home comes equipped with Solar Panels along with ring camera and alarm system, smart thermostat that can be controlled with your smart phone. Front door can be easily access and opened with your smart phone. Nestled in the Estates of Lake Hammock, a picturesque waterfront community with a community dock, walking trail, and dog park. Conveniently located with easy access to I-4, Walt Disney World, Universal Studios, Legoland, Bok Tower Gardens, Posner Park Shopping Mall, hospitals, and more. Perfect for families seeking new homes in a rural setting close to Tampa and Orlando, the Estates at Lake Hammock offers the ideal blend of comfort and convenience.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,555
Sqft
0.13 ac
Lot size
2
Garage
2021
Year built
One
Levels
$145
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.
$2,095 /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
$2,095/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
−23.4%
Days on market
119 vs 41 typical
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)
Median sold price, Haines City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 24% below the HAINES CITY 33844 median. See the full Haines City market guide →
Paper trail
This home's history
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 425 N ANDREA CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 425 N ANDREA CIRCLE — 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
425 N ANDREA CIRCLE FAQs
What would the monthly payment be for 425 N ANDREA CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,095/mo — principal and interest, the actual property-tax bill, the $96/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 425 N ANDREA CIRCLE?+
The association fee works out to $96 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 425 N ANDREA CIRCLE?+
The most recent tax bill on record (2025) was $4,977. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 425 N ANDREA CIRCLE?+
The listing reports pets: Yes. 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 $225,000, this home is listed about 28% below the Haines City median of $312,450. The market section on this page shows how the area is trending.
Which schools are assigned to 425 N ANDREA CIRCLE?+
Alta Vista Elementary School (elementary), Haines City Senior High School (high), Shelley S. Boone Middle School (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 HAINES CITY 33844 market on paper
$225,000 is 24% below the HAINES CITY 33844 median of $295,000, and at $145/sqft it sits under the Haines City average of $187.
02Time on market is leverage
119 days on market against a Haines City median of 41 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $275,000, now $225,000 — a $50K cut. The full history is in the market section below.
Listing courtesy of COLDWELL BANKER REALTY · Milton James. MLS #O6399805.
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.
Never miss a listing
New Haines City homes, in your inbox
Like 425 N ANDREA CIRCLE but not quite? A daily digest of every new listing in Haines City — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Kevin to ping you on any price or status change →