664 TORTUGAS STREET, HAINES CITY, FL, 33844
Active27 days on marketListed Sep 14, 2026MLS #P4939886
About this home
664 TORTUGAS STREET
Assumable mortgage, interest rate 2.5% also Seller is offering up to $4,000 toward buyer's closing costs and prepaid expenses with an acceptable offer. Built in 2020, this well-maintained 4-bedroom, 2-bath home offers approximately 1,867 sq. ft. of comfortable single-story living with a bright, open-concept floor plan. The kitchen features granite countertops, stainless steel appliances, ample cabinetry and a large center island overlooking the spacious living and dining areas. Ceramic tile throughout the main living areas provides style and easy maintenance. The primary suite features a private bath with dual sinks, walk-in shower and generous vanity space. Additional conveniences include a dedicated laundry room and attached 2-car garage. Outside, enjoy a fully fenced backyard and expansive concrete patio, providing plenty of space for entertaining and outdoor activities. The property is equipped with an impressive 34-panel solar system for added energy efficiency. Solar panels are financed with an approximate balance of $14,954 to be assumed by buyer, subject to solar lender approval and transfer requirements, current monthly payment $84.16. Conveniently located near US-27, shopping, dining and major Central Florida roadways. Schedule your private showing today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,867
Sqft
0.13 ac
Lot size
2
Garage
2020
Year built
One
Levels
$155
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.
$2,585 /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
$2,585/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
−3.9%
$/sqft vs Haines City actives
$155 vs $171
Days on market
27 vs 69 typical
Where $155/sqft sits among the 399 Haines City 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 Haines City
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Haines City. See the full Haines City guide →
HAINES CITY 33844 — neighborhood snapshot
Population
49,133
Median age
39.4
Median income
$60,426
Median home value
$212,700
Avg household
2.9
Households w/ children
5,568
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
$319K → $305K
Haines City median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
206 of 399
Haines City actives have cut their price
Median sold price, Haines City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2% above the HAINES CITY 33844 median. See the full Haines City market guide →
Paper trail
This home's history
Reality check
What actually sold near 664 TORTUGAS STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$287,000
606 TORTUGAS STREET · same community
4 bd · 2 ba · 1,867 sqft · $154/sqft · 6 DOM
Sold · Jan ’26$322,000
325 GUADLUPE STREET · same community
4 bd · 2 ba · 1,819 sqft · $177/sqft · 7 DOM
Sold · Apr ’26$320,000
1015 KOBUK STREET · same community
4 bd · 3 ba · 1,978 sqft · $162/sqft · 38 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
Gianfranco Di Flumeri
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 664 TORTUGAS STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 664 TORTUGAS STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
664 TORTUGAS STREET FAQs
What would the monthly payment be for 664 TORTUGAS STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,585/mo — principal and interest, the actual property-tax bill, the $13/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 664 TORTUGAS STREET?+
The association fee works out to $13 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 664 TORTUGAS STREET?+
The most recent tax bill on record (2025) was $6,924. 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 664 TORTUGAS STREET?+
The listing reports pets: Cats OK, Dogs OK. 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 $289,995, this home is listed about 6% below the Haines City median of $309,000. The market section on this page shows how the area is trending.
Which schools are assigned to 664 TORTUGAS STREET?+
Ridge Community High School (high), Horizons Elementary School (elementary), Lake Alfred Polytech Academy (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of CHARLES RUTENBERG REALTY ORLANDO · Carmen Montes. MLS #P4939886.
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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