656 SWEETWATER WAY, HAINES CITY, FL, 33844
Active47 days on marketListed Sep 21, 2026MLS #P4939937
About this home
656 SWEETWATER WAY
Welcome to Lake Henry Estates, a beautiful gated retirement community in Haines City! This 2br/2ba home has so many extras and no rear neighbors. Selling furnished. Enter this home through the front screened porch into the foyer with a coat closet. The large great room, with a vaulted ceiling and plant shelves, is open into the dining room and kitchen. The dining room has a tray ceiling that continues to make the home feel even roomier. The kitchen has two windows to let in natural light with one even having a garden window for your plants and herbs. There is a pass through into the Florida room plus a breakfast bar looking into the dining rm and living rm. The primary bedroom has a tray ceiling too along with a walk-in closet, linen closet, dual sinks, garden tub and separate shower. The front bedroom has a wonderful pop out window that brings in a lot of light. You can get to the Florida rm from both the primary bedroom and the great room. The screened room on the back of home allows for a restful place to watch the golfers as they come up to play the 7th hole. Washer/dryer hookup is in the garage. The garage also has sliding screen doors. Roof replace in 2024 and a/c in 2025. Lake Henry Estates has many things to do between the clubhouse, pickle ball, tennis courts, craft room, workshop etc. Close to shopping, medical and restaurants too.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,681
Sqft
0.11 ac
Lot size
2
Garage
1994
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.
$2,612 /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
$2,612/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
+3.3%
$/sqft vs Haines City actives
$149 vs $170
Days on market
47 vs 55 typical
Where $149/sqft sits among the 400 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.
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
$2,068/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 → $310K
Haines City median sold, yr/yr
98.8%
Sale-to-list ratio (12 mo)
210 of 400
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 9% below the HAINES CITY 33844 median. See the full Haines City market guide →
Paper trail
This home's history
Reality check
What actually sold near 656 SWEETWATER WAY
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$235,900
633 WATERCREST DRIVE · same community
2 bd · 2 ba · 1,673 sqft · $141/sqft · 164 DOM
Sold · Apr ’26$250,000
627 WATERCREST DRIVE · same community
2 bd · 2 ba · 1,671 sqft · $150/sqft · 10 DOM
Sold · Jul ’26$239,000
679 SWEETWATER WAY E · same community
2 bd · 2 ba · 1,691 sqft · $141/sqft · 62 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
Frederick Paige
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 656 SWEETWATER WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 656 SWEETWATER WAY — before you fall in love.
See it in person
Schedule a tour
Live availability from Frederick's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
656 SWEETWATER WAY FAQs
What would the monthly payment be for 656 SWEETWATER WAY?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,612/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 656 SWEETWATER WAY?+
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 656 SWEETWATER WAY?+
The most recent tax bill on record (2026) was $3,902. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 656 SWEETWATER WAY 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 656 SWEETWATER WAY?+
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 Haines City?+
At $250,000, this home is listed about 17% 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 656 SWEETWATER WAY?+
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
Three things that matter here
01Under the HAINES CITY 33844 market on paper
$250,000 is 9% below the HAINES CITY 33844 median of $275,000, and at $149/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.
03Golf Course views
The golf course view is part of what you're buying — views hold value independently of the structure.
Keep looking
Similar homes nearby
Listing courtesy of FLORIDA HOME CHOICE REALTY · Janelle Pruitt. MLS #P4939937.
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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