534 WATERFORD DRIVE, HAINES CITY, FL, 33844
Active1 days on marketListed Nov 6, 2026MLS #O6455036
About this home
534 WATERFORD DRIVE
**FURNITURE AND GOLF CART INCLUDED!! Nestled in the 55+ waterfront community of Lake Henry Estates, this charming and thoughtfully cared for 2 bedroom 2 bathroom home with office home has it all. Step through the front door where you're greeted by a welcoming foyer with a handy coat closet, opening into a bright, open floorplan crowned by soaring cathedral ceilings. To your left, the kitchen offers granite countertops, pullout drawers in the lower cabinets for easy storage and a cozy breakfast nook with a large window, perfect for morning coffee. Ahead, the kitchen flows into the dining room and the spacious living room, ample lighting with updated windows (2021) creating an easy, connected space for everyday living and entertaining. Tucked off the living room, the dedicated office is ideal for working from home, hobbies, or reading. On the opposite side of the home, the primary suite offers a peaceful retreat with a walk-in closet and private en-suite bath, while the guest bedroom and a second full bathroom give visitors comfort and privacy. An inside laundry room sits just off the entry from the garage, keeping chores simple and convenient. This home delivers comfort, flexibility, and the relaxed Florida lifestyle you’ve been looking for. Some of home features include a new HVAC (2025), A yard sump pump and french drains to keep the yard nice and dry during heavy rain storms (2023), irrigation sysyem, electronic garage screen you can close to keep fresh air in the garage while working on a project, painted exterior (2023), whole house automatic Generac Generator (2023) that instantly turns on in the event of a power outage. (2) 120 gallon propane tanks to suppy the power, and a new hot water heater (2024). With the furniture and golf cart included, this beautiful home is move in ready. The amazing lakeside, gated community features a 9-hole golf course, swimming, boating, tennis, 2 pickle ball courts, bocce ball, shuffleboard, card tournaments, library, pool room, craft room, exercise room, pub with bar, karaoke and more. Multiple grocery stores including Publix, Winn-Dixie and Walmart are located within 2 miles along with plenty of shopping and restaurants nearby. If you're looking for a worry free, Florida retreat, then look no further. Definitely a Hidden Jewel of Polk County. With the unbeatable combination of comfort, space, and location, this home has everything you need to enjoy the best of Lake Henry Estates. Ready for move-in, this is the perfect place to call home and start living the good life, schedule a tour today!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,385
Sqft
0.1 ac
Lot size
2
Garage
1993
Year built
One
Levels
$165
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.
$2,260 /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
$2,260/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
+29.7%
Days on market
1 vs 55 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.
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)
Median sold price, Haines City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 17% 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
Colleen Brown
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 534 WATERFORD DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 534 WATERFORD DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Colleen's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
534 WATERFORD DRIVE FAQs
What would the monthly payment be for 534 WATERFORD DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,260/mo — principal and interest, the actual property-tax bill, the $300/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 534 WATERFORD DRIVE?+
The association fee works out to $300 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 534 WATERFORD DRIVE?+
The most recent tax bill on record (2025) was $1,513. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 534 WATERFORD 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 534 WATERFORD DRIVE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit, 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 $229,000, this home is listed about 24% 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 534 WATERFORD 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
$229,000 is 17% below the HAINES CITY 33844 median of $275,000, and at $165/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.
04Fresh on the market
Only 1 day on market in a Haines City market that averages 55 — if it fits, move quickly.
Listing courtesy of LIONHEART BROKERS · Claudia Centesimo. MLS #O6455036.
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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