2698 HEMINGWAY AVENUE, HAINES CITY, FL, 33844
Active24 days on marketListed Oct 14, 2026MLS #P4940138
About this home
2698 HEMINGWAY AVENUE
Welcome to 2698 Hemmingway Ave, located in the gated Southern Dunes Golf & Country Club community in Haines City. This beautiful 4-bedroom, 3-bath home with a private pool is situated on a desirable corner lot. Step inside and be greeted by a spacious living room featuring soft carpeting, an open layout to the kitchen, and large windows that fill the space with natural light. The kitchen features white cabinetry, marble-look countertops and flooring, stainless steel appliances, a decorative backsplash, and a spacious breakfast bar. Imagine starting your morning here with sunlight pouring through the windows and easy access to the private pool just steps away from the dining area. One of the four bedrooms is conveniently located on the first floor and offers direct access to the private pool and lanai. Upstairs, you’ll find the spacious primary bedroom, complete with a private en-suite bathroom and a walk-in closet. Two additional carpeted bedrooms are also located upstairs, each featuring windows that bring in plenty of natural light, and they share a full bathroom. Step outside and enjoy your private pool while taking in relaxing golf course views. From the backyard, you’ll overlook the tee box of Hole Number 3. And just a few yards from the front of the home, you can also enjoy views of the green on Hole Number 2. Southern Dunes Golf & Country Club in Haines City is a gated golf community featuring an 18-hole Steve Smyers championship course, clubhouse, swimming pools, tennis courts, play areas, and Tavern on the Dunes. Walmart, restaurants, grocery stores, and everyday shopping are just minutes away. Posner Park in Davenport is also nearby, offering Target, Best Buy, JCPenney, Marshalls, HomeGoods, Ross, Dicks Sporting Goods, Target & more, restaurants, and a Cinépolis IMAX theater. Disney Springs is about 25–30 minutes away, Orlando International Airport about 45–60 minutes, and Florida beaches are from 60-75 min. Be sure to view the short video and explore the 360° interactive aerial virtual tour for an even closer look at this beautiful home and its surroundings.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,740
Sqft
0.09 ac
Lot size
2
Garage
2002
Year built
Two
Levels
$172
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.
$2,729 /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
$2,729/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
−13.7%
$/sqft vs Haines City actives
$172 vs $169
Days on market
24 vs 55 typical
Where $172/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 Southern Dunes Golf Course, 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 Southern Dunes Golf Course
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Southern Dunes Golf Course is a short-term-rental community. See the full guide →
Southern Dunes Golf Course — neighborhood snapshot
Population
2,225
Median age
55
Median income
$49,511
Median home value
$265,000
Avg household
3
Households w/ children
120
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% 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 2698 HEMINGWAY AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’26$237,500
2881 KOKOMO LOOP · same community
4 bd · 3 ba · 1,637 sqft · $145/sqft · 159 DOM
Sold · Dec ’25$299,000
3075 BARBADOS LANE · same community
4 bd · 3 ba · 1,543 sqft · $194/sqft · 403 DOM
Sold · Feb ’26$345,000
2810 KOKOMO LOOP · same community
4 bd · 3 ba · 1,940 sqft · $178/sqft · 6 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 2698 HEMINGWAY AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2698 HEMINGWAY AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2698 HEMINGWAY AVENUE FAQs
What would the monthly payment be for 2698 HEMINGWAY AVENUE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,729/mo — principal and interest, the actual property-tax bill, the $76/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 2698 HEMINGWAY AVENUE?+
The association fee works out to $76 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2698 HEMINGWAY AVENUE?+
The most recent tax bill on record (2026) was $3,607. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 2698 HEMINGWAY AVENUE be rented short-term?+
Yes — this home sits inside Southern Dunes Golf Course, 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 2698 HEMINGWAY AVENUE?+
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 $300,000, this home is priced right at the Haines City median.
Which schools are assigned to 2698 HEMINGWAY AVENUE?+
Haines City Senior 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.
The brief
Three things that matter here
01Zoned for nightly rentals
Southern Dunes Golf Course 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.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $320,000, now $300,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of STACEY TOWNS REALTY LLC · Stacey Towns Friend. MLS #P4940138.
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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