2221 20TH STREET NW, WINTER HAVEN, FL, 33881
Active294 days on marketListed Oct 23, 2025MLS #P4936782
About this home
2221 20TH STREET NW
This beautifully updated 4-bedroom, 2-bath home offers the perfect blend of modern comfort and classic Florida living. Located directly across from the Lake Hartridge boat ramp and Lake Hartridge Nature Park, you’ll enjoy instant access to the Winter Haven Chain of Lakes—one of Central Florida’s most desirable waterways for boating, fishing, and recreation. Inside, every detail has been refreshed, featuring new finishes, an updated kitchen and baths, modern flooring, and stylish fixtures throughout. All windows and doors have been replaced, offering enhanced energy efficiency, comfort, and peace of mind. The open-concept layout creates a warm, welcoming flow, ideal for entertaining or relaxing after a day on the water. Outside, the spacious yard provides plenty of room to park your boats or outdoor toys, and the property includes its own private well for irrigation, keeping your lawn lush and green year-round. With its unbeatable location and move-in ready condition, this home is perfect for anyone looking to embrace the lake lifestyle without sacrificing comfort or convenience.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,727
Sqft
0.36 ac
Lot size
1956
Year built
One
Levels
$185
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 — not generic estimates.
$2,446 /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
$2,446/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
+45.2%
$/sqft vs Winter Haven actives
$185 vs $169
Days on market
294 vs 49 typical
Where $185/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 Winter Haven
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
The numbers that matter
The Winter Haven market
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
206 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 12% above the Winter Haven median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 2221 20TH STREET NW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$260,000
945 7TH STREET NW
3 bd · 2 ba · 1,710 sqft · $152/sqft · 3 DOM
Sold · May ’26$125,000
2824 AVENUE Q NW
4 bd · 2 ba · 1,700 sqft · $74/sqft · 129 DOM
Sold · Apr ’26$140,000
926 28TH STREET NW
4 bd · 2 ba · 1,614 sqft · $87/sqft · 74 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
Donna Layton
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2221 20TH STREET NW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2221 20TH STREET NW — before you fall in love.
See it in person
Schedule a tour
Live availability from Donna's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2221 20TH STREET NW FAQs
What would the monthly payment be for 2221 20TH STREET NW?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,446/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 2221 20TH STREET NW?+
The most recent tax bill on record (2024) was $3,122. 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 Winter Haven?+
At $319,999, this home is listed about 12% above the Winter Haven median of $284,900. The market section on this page shows how the area is trending.
The brief
Four things that matter here
01Positioned at the premium end
$319,999 runs 12% above the Winter Haven median.
02Park/Greenbelt & Water views
The park/greenbelt and water view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
294 days on market against a Winter Haven median of 49 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $370,000, now $319,999 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REAL FLORIDA REALTY LLC · Stetson Russell. MLS #P4936782.
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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