CENTURY 21 Edge
$220,000≈$1,775 /mo all-in ↓

WHITE CLAY PIT ROAD, HAINES CITY, FL, 33844

Active109 days on marketListed Jul 21, 2026MLS #O6426865

✦ Priced 27% below the Haines City median

About this home

WHITE CLAY PIT ROAD

Prime residential lot opportunity in Unincorporated Polk County, located on White Clay Pit Rd (zip code 33844). Situated in a rural residential area, this property offers convenient access to Haines City (approximately 3.89 miles), Dundee (3.8 miles), and the ALDI Distribution Center (2.02 miles). The lot is located in Flood Zone X, a low-risk area outside the 100-year and 500-year floodplains, with no wetlands nearby, allowing for full lot utilization without environmental buffers or mitigation requirements. Zoned A/RR (Agricultural/Rural Residential), the property supports low-density residential use, including single-family detached homes and modular homes (meeting codes) by right, as well as limited ag-related dwellings on large lots (typically 5+ acres, ~0.2 du/acre). Some manufactured homes, guest houses/ADUs may be allowed conditionally with approval. Duplexes, townhomes, multifamily development, mobile home parks, and apartments are generally prohibited. Recent FL laws (e.g. Live Local) have limited effect in rural A/RR. Buyer should verify all zoning, setbacks, utility availability, and development requirements with Polk County Planning & Zoning and request a Zoning Verification Letter. The property is available for a self-guided tour. Subleasing is not permitted. This lot is not available for rent or lease.

Facts & features

The home at a glance

1 ac

Lot size

Inside

Outside & construction

Community & fees

Taxes (2025)$88/yr

Utilities & systems

UtilitiesOther
WaterNone

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$1,775 /mo · 3.5% down FHA, 30-yr fixed at 7.5%

Principal & interest$1,510
FHA mortgage insurance (est.)$97
Property tax — 2025 actual bill$7
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $7,700Loan30-yr fixed at 7.5%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Get my real numbersCall

Run your own numbers

Loan type
Down payment3.5% · $7,700
Interest rate7.50%
Loan term

Estimated payment

$1,775/mo

Principal & interest$1,510
FHA mortgage insurance (est.)$97
Property taxes (actual bill)$7
Est. insurance$160

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.

The numbers that matter

The Haines City market

Seller’s marketLeans seller — 4.4 months of inventoryBuyer’s market

$315K → $310K

Haines City median sold, yr/yr

98.8%

Sale-to-list ratio (12 mo)

Median sold price, Haines City, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 27% below the Haines City median. See the full Haines City market guide →

Paper trail

This home's history

Jul 21, 2026Listed at $220,000 · 109 days on market since

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.

Frederick Paige

Your agent

Frederick Paige

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about WHITE CLAY PIT ROAD — start here.

CallText
fred.paige@c21edge.com
Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for WHITE CLAY PIT ROAD — before you fall in love.

Get pre-approvedCall
aacosta@prmg.net

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

WHITE CLAY PIT ROAD FAQs

What would the monthly payment be for WHITE CLAY PIT ROAD?+

With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,775/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 WHITE CLAY PIT ROAD?+

The most recent tax bill on record (2025) was $88. 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 Haines City?+

At $220,000, this home is listed about 27% below the Haines City median of $300,000. The market section on this page shows how the area is trending.

Keep looking

Similar homes nearby

LAKE SHORE DRIVE

$220,000

LAKE SHORE DRIVE, HAINES CITY

251 PATTERSON ROAD UNIT I47

$209,900

251 PATTERSON ROAD UNIT I47, HAINES CITY

2 bd · 2 ba · 1,040 sqft

124 N 10TH STREET

$189,000

124 N 10TH STREET, HAINES CITY

768 sqft

Listing courtesy of SUNLAND REAL ESTATE, LLC. · Javier Santana. MLS #O6426865.

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 WHITE CLAY PIT ROAD but not quite? A daily digest of every new listing in Haines City — straight from the MLS, hours after it goes live. Unsubscribe anytime.

By checking this box, I provide my prior express written consent to CENTURY 21 Edge, directly or through its affiliated real estate agents, to contact me at the telephone number(s) and email address I provide regarding my inquiry, real estate services, and marketing or promotional communications, including property listings, market updates, open houses, home value reports, and related real estate information. I authorize calls and text messages made using an automatic telephone dialing system or other automated technology and calls using prerecorded or artificial voice. I also consent to receive marketing and promotional emails. Consent is not a condition of purchasing any property, goods, or services. Message and data rates may apply. Message frequency varies. Reply STOP to opt out of text messages or HELP for help. I may unsubscribe from marketing emails using the unsubscribe link in any marketing email. I may revoke my consent to calls or text messages at any time using any reasonable method. Calls with CENTURY 21 Edge may be recorded. See our Privacy Policy, Terms of Use, and SMS Terms.

Just watching this one home? Ask Frederick to ping you on any price or status change →

CallRequest a tour
CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated November 7, 2026 at 6:36 AM UTC. The listing information on this page last changed on November 7, 2026 at 6:36 AM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on November 7, 2026 at 6:36 AM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: November 7, 2026 at 6:36 AM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.