CENTURY 21 Edge
✦ Short-Term Rental Eligible
$349,0002 bd2 ba1,800 sqft$194 /sqft≈$3,154 /mo all-in ↓

553 CLUBHILL DRIVE, HAINES CITY, FL, 33844

Active1 days on marketListed Nov 6, 2026MLS #O6455233

Fully furnishedSingle Family ResidenceSWEETWATER GOLF & TENNIS CLUB ADD 02

About this home

553 CLUBHILL DRIVE

**NEVER MOW THE YARD AGAIN!! Welcome home to this fully furnished retreat built for easy long term living in the highly sought-after 55+ waterfront community of Lake Henry Estates. This 2-bedroom, 2-bathroom home with a large den or 3rd bedroom offers comfortable layout that fits any lifestyle. Some of the home features include, an open concept living room with volume ceilings, a seperate dining area, custom Italian tiled flooring, a spacious primary bedroom, an en-suite bathroom with bidet and walk in closet. The large dedicated office or 3rd bedroom gives you the perfect space to manage the day, pursue a hobby, or host visiting family, while the inviting Florida room is ideal for morning coffee, an afternoon with a good book, or relaxing evenings with friends. The custom built inside laudry room comes equipped with extra storage space and sink. This home also boasts a New HVAC (2025), New Roof (2024),Hurricane windows (2021), New appliances (2025), Instant hot hot water heater, a whole home automatic Generac Genarator with (2) 120 gallon propane tanks, provide a constant flow of power to the home in case of an outage. The grass has been completely replaced with worry free turf grass ($30,000 value) so you will never worry about stubborn weeds and yard bugs again! A wide driveway and additional parking is located on the lot, a very rare and limited commodity when space is limited. The yard also has a designated power outlet, ideal for charging and pressure washing. Conveniently located steps from the clubhouse, this 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

1,800

Sqft

0.16 ac

Lot size

2

Garage

1990

Year built

One

Levels

$194

Per sqft

Furnished55+ communityPets allowed

Inside

FlooringTile · Vinyl
AppliancesDishwasher · Disposal · Dryer · Microwave · Range · Refrigerator · Washer
InteriorCathedral Ceiling(s) · Ceiling Fan(s) · Eating Space In Kitchen · Living Room/Dining Room Combo · Open Floorplan · Window Treatments
LaundryIn Kitchen · Inside · Laundry Room · Sink
CoolingCentral Air
HeatingCentral
FurnishedFurnished

Outside & construction

RoofShingle
ConstructionBlock
FoundationSlab
FacesNorthwest
ParkingDriveway · Electric Vehicle Charging Station(s) · Garage Door Opener · Golf Cart Parking
ExteriorIrrigation System · Rain Gutters

Community & fees

HOA fee$300/mo
Taxes (2025)$1,725/yr
PetsCats OK, Dogs OK, Number Limit, Size Limit, Yes
CommunityCommunity Boat Ramp · Dock · Fishing · Lake · Water Access · Waterfront · Buyer Approval Required · Clubhouse · Deed Restrictions · Fitness Center · Gated Community - No Guard · Golf Carts OK · Golf · Pool · Tennis Court(s)

Utilities & systems

UtilitiesCable Connected · Electricity Connected · Water Connected
WaterPrivate

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.

$3,154 /mo · 3.5% down FHA, 30-yr fixed at 7.5%

Principal & interest$2,396
FHA mortgage insurance (est.)$154
Property tax — 2025 actual bill$144
HOA fee — from the listing$300
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $12,215Loan30-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

Run your own numbers

Loan type
Down payment3.5% · $12,215
Interest rate7.50%
Loan term

Estimated payment

$3,154/mo

Principal & interest$2,396
FHA mortgage insurance (est.)$154
Property taxes (actual bill)$144
HOA / condo fee$300
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.

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.

List $349K
$241KedgeAI estimate $261,372 · range $251K–$269K$363K

vs edgeAI estimate

+33.5%

$/sqft vs SWEETWATER GOLF & TENNIS CLUB ADD 02

$194 vs $165

Days on market

1 vs 55 typical

Where $194/sqft sits among the 7 homes for sale in SWEETWATER GOLF & TENNIS CLUB ADD 02

2
2
1
0
1 · this home
1
$150–161$161–171$171–182$182–193$193–204$204+

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

Nightly rentalsAllowed
CommunitySweetwater Club
Fine-tuned for this homePrepared free by our team
Get the free rental analysis

Projected nightly rate, occupancy and annual revenue for this exact home.

Long-term rental

$2,068/mo median

MarketHaines City
Annual gross at median$24,810
Gross yield on this price7.1%
Homes for rent right now168

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

Walt Disney World≈ 33 min
Universal Orlando≈ 43 min
Downtown Orlando≈ 49 min
Orlando Int’l Airport (MCO)≈ 54 min
Downtown Tampa≈ 68 min

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

MiddleLake Alfred Polytech Academy★★★★★
HighHaines City Senior High School★★★★★
ElementaryHorizons Elementary School★★★★★

School assignments and ratings via edgeAI — always verify with the district.

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)

3 of 7

SWEETWATER GOLF & TENNIS CLUB ADD 02 have cut their price

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

This home is listed 27% above the HAINES CITY 33844 median. See the full Haines City market guide →

Paper trail

This home's history

Nov 6, 2026Listed at $349,000 · 1 days on market since
1990Built · SWEETWATER GOLF & TENNIS CLUB ADD 02

Reality check

What actually sold near 553 CLUBHILL DRIVE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

520 SWEETWATER WAYSold · Feb ’26

$240,000

520 SWEETWATER WAY · same community

2 bd · 2 ba · 1,813 sqft · $132/sqft · 5 DOM

452 SWEETWATER WAYSold · Sep ’26

$347,900

452 SWEETWATER WAY · same community

2 bd · 2 ba · 1,834 sqft · $190/sqft · 6 DOM

494 SWEETWATER WAYSold · Aug ’26

$274,900

494 SWEETWATER WAY · same community

3 bd · 2 ba · 1,727 sqft · $159/sqft · 53 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.

Chad Creech

Your agent

Chad Creech

President, Commercial and Development Services · CENTURY 21 Edge

Tours, negotiation, and every question about 553 CLUBHILL DRIVE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 553 CLUBHILL DRIVE — before you fall in love.

See it in person

Schedule a tour

Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.

Straight answers

553 CLUBHILL DRIVE FAQs

What would the monthly payment be for 553 CLUBHILL DRIVE?+

With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $3,154/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 553 CLUBHILL 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 553 CLUBHILL DRIVE?+

The most recent tax bill on record (2025) was $1,725. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.

Can 553 CLUBHILL 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 553 CLUBHILL 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 $349,000, this home is listed about 16% above the Haines City median of $300,000. The market section on this page shows how the area is trending.

Which schools are assigned to 553 CLUBHILL 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

01Positioned at the premium end

$349,000 runs 27% above the HAINES CITY 33844 median.

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 #O6455233.

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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553 Clubhill Drive, Haines City, FL — 2 Bed 2 Bath for Sale