345 VICTORIA DRIVE, HAINES CITY, FL, 33844
Active31 days on marketListed Sep 22, 2026MLS #P4939970
About this home
345 VICTORIA DRIVE
Own your own land! This delightful home allows you to enjoy resort style living for an affordable price! Run your own life as this is a community owned by the residents and we make the decisions (I live here!) The HOA includes everything except your electric bill and lawn mowing! This 2/2 house has beautiful hardwood floors in the main living area, along with textured walls. There is a GARAGE! New Roof August 2023, AC 2020 included new duct work, Thermal Tilt-In Windows and a new door, plumbing redone so no grey pipe, and exterior painted 2023. Hot Water Tank replace this year, Stove Exhaust Fan, new screen on front lanai, along with repairs to Carport and Front Lanai. Both bathrooms have been updated with hi-rise toilet and new step in showers. Kitchen is full of newer appliances, a new sink and faucet, along with the dishwasher! Updated lights over the kitchen sink and DR table. Golf cart is included but the house is being sold without furniture, washer and dryer, and generator. Available to see immediately! In this very friendly community, you can be as active or inactive as you choose! Enjoy 18 holes of golf for just $5 green fees in this Gated, Golf Community, located just outside of the city, and approx. 1.25 hr from either coast. Great access to Disney, Legoland, and BOK Tower, just to name a few local attractions. Gatherings at the private Pub or the Community Room, fishing on Lake Henry, gardening, pickle ball, tennis, golf, shuffle board, horseshoes, swimming in the heated pool, enjoy the hot tub or the workout room! Contact this community's website for documents, including Rules/Regs, Application, Financial, and Bylaws. HOA INCLUDES a DVD and 2 BOXES FOR HD CABLE plus INTERNET! **55+ community with minimum age required is 50; rental max period 6 month out of a year.**
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,248
Sqft
0.1 ac
Lot size
1
Garage
1988
Year built
One
Levels
$156
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.
$2,045 /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
$2,045/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
+38.9%
$/sqft vs SWEETWATER GOLF & TENNIS CLUB
$156 vs $146
Days on market
31 vs 66 typical
Where $156/sqft sits among the 12 homes for sale in SWEETWATER GOLF & TENNIS CLUB
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
$2,100/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
1,632
Median age
70
Median income
$70,273
Median home value
$28,345
Avg household
2
Households w/ children
15%
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)
5 of 12
SWEETWATER GOLF & TENNIS CLUB have cut their price
Median sold price, Haines City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 30% 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 345 VICTORIA DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$170,000
353 MELBOURN DRIVE · same community
2 bd · 2 ba · 1,269 sqft · $134/sqft · 151 DOM
Sold · Apr ’26$155,000
118 VICTORIA DRIVE · same community
2 bd · 2 ba · 1,344 sqft · $115/sqft · 65 DOM
Sold · Jun ’26$95,000
192 DARTMOUTH DRIVE · same community
2 bd · 2 ba · 1,152 sqft · $82/sqft · 3 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
Kyler Lang
REALTOR · CENTURY 21 Edge
Tours, negotiation, and every question about 345 VICTORIA DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 345 VICTORIA DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kyler's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
345 VICTORIA DRIVE FAQs
What would the monthly payment be for 345 VICTORIA DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,045/mo — principal and interest, the actual property-tax bill, the $387/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 345 VICTORIA DRIVE?+
The association fee works out to $387 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 345 VICTORIA DRIVE?+
The most recent tax bill on record (2026) was $881. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 345 VICTORIA 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 345 VICTORIA DRIVE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, Size Limit. 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 $195,000, this home is listed about 36% below the Haines City median of $305,000. The market section on this page shows how the area is trending.
Which schools are assigned to 345 VICTORIA 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.
Keep looking
Similar homes nearby
Listing courtesy of GOOD COMPANY REALTY INC. · Sanda Andrews. MLS #P4939970.
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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