441 SAN JOSE DRIVE, WINTER HAVEN, FL, 33884
Active455 days on marketListed May 9, 2025MLS #P4934776
About this home
441 SAN JOSE DRIVE
NEW ROOF 6/2026. Welcome to this exceptional 2-bedroom, 2-bathroom patio home nestled within the highly sought after Orchid Springs community. Positioned on an expansive double lot, this residence offers a serene & secluded wooded vista visible from the open kitchen and the generously proportioned screened patio. Noteworthy exterior features; Paved drive and walkways, attractive canopies and covered front porch invites you inside to discover a charming home. The kitchen boasts custom pantry space, ample counter area & is thoughtfully designed for hosting guests without compromising meal preparation. Beyond the kitchen, the spacious living room, flex apace is adjacent to a second private patio. The large family room offers expansive sliding doors and windows making the perfect space for relaxation. Leading to a beautiful lanai ideal for sharing a glass of wine or enjoying a barbeque, with its scenic outlook. The dining room is designed for casual or formal entertainment. The master bedroom features an ensuite bath and picturesque views while additional bedrooms and guest bathroom complete the layout. Flooring; Tiled foyer, kitchen and bathrooms with plush carpet in the master bedroom as well as the second bedroom, living and dining rooms. Designed with single level living in mind this Orchid Springs Patio Home offers ease of mobility and low maintenance. Stop outside to the spacious outdoor area enveloped by lush trees providing privacy and a natural ambiance. Additional amenities include a spacious 2 car garage with natural gas water heater & washer & dryer. Roof will be replaced before closing. Conveniently located in SE Winter Haven, this central Florida home provides easy access to downtown, Chain of Lakes boat launches, LegoLand, and major highways. The neighborhood also features a community clubhouse and pool, enhancing the overall Florida lifestyle experience.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,843
Sqft
0.22 ac
Lot size
2
Garage
1984
Year built
One
Levels
$149
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.
$1,989 /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
$1,989/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
+18.7%
$/sqft vs Winter Haven actives
$149 vs $170
Days on market
455 vs 48 typical
Where $149/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 Orchid Springs
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
Orchid Springs — neighborhood snapshot
Population
1,058
Median age
33
Median income
$57,534
Median home value
$265,200
Avg household
3
Households w/ children
188
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
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
193 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 3% below the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 441 SAN JOSE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$180,000
454 SAN JOSE DRIVE · same community
2 bd · 2 ba · 1,667 sqft · $108/sqft · 218 DOM
Sold · Mar ’26$295,000
119 DOLL DRIVE
3 bd · 1.5 ba · 1,852 sqft · $159/sqft · 39 DOM
Sold · Oct ’25$326,000
417 ALACHUA DRIVE
3 bd · 2 ba · 1,858 sqft · $175/sqft · 47 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 441 SAN JOSE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 441 SAN JOSE DRIVE — 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
441 SAN JOSE DRIVE FAQs
What would the monthly payment be for 441 SAN JOSE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,989/mo — principal and interest, the actual property-tax bill, the $5/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 441 SAN JOSE DRIVE?+
The association fee works out to $5 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 441 SAN JOSE DRIVE?+
The most recent tax bill on record (2024) was $1,000. 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 441 SAN JOSE DRIVE?+
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 Winter Haven?+
At $275,000, this home is listed about 4% 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 441 SAN JOSE DRIVE?+
Elbert Elementary School (elementary), Winter Haven Senior High School (high), Denison 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 WINTER HAVEN 33884 market on paper
$275,000 is 3% below the WINTER HAVEN 33884 median of $284,900, and at $149/sqft it sits under the Winter Haven average of $174.
02Time on market is leverage
455 days on market against a Winter Haven median of 48 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $299,000, now $275,000 — a $24K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of NEXTHOME NORRIS & COMPANY REAL · Michael Norris. MLS #P4934776.
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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