545 S ANDREA CIRCLE, HAINES CITY, FL, 33844
Active338 days on marketListed Sep 8, 2025MLS #S5134216
About this home
545 S ANDREA CIRCLE
Short Sale. Back on the Market! No fault of the seller or the property. Short Sale has has been approved! Creating a great opportunity for a new buyer to move forward quickly. Spacious 5 bedroom, 2.5 bath home located in the desirable Estates at Lake Hammock. This contemporary property features an open kitchen with quartz countertops, island, walk-in pantry, and premium appliances, perfect for any chef. The master suite is conveniently located on the main floor with walk-in closet and private bath, while the second floor offers 4 bedrooms plus a versatile den. Enjoy outdoor living with a screened porch, paver patio, and space for a fire pit. This Eco Smart home comes with solar panels for energy savings and smart features including Honeywell thermostat, Schlage lock, and Ring doorbell. Prime location near I-4, Disney, Universal, Legoland, Posner Park, Tampa, and Gulf beaches. A fantastic short sale opportunity you don’t want to miss!
Facts & features
The home at a glance
5
Bedrooms
2.5
Bathrooms
2,973
Sqft
0.15 ac
Lot size
2
Garage
2020
Year built
Two
Levels
$104
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.
$2,851 /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
$2,851/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
−21.4%
$/sqft vs Haines City actives
$104 vs $174
Days on market
338 vs 41 typical
Where $104/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 → $303K
Haines City median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
193 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 5% 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 545 S ANDREA CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jul ’26$363,000
844 GISELE CT · same community
4 bd · 3 ba · 2,109 sqft · $172/sqft · 31 DOM
Sold · Mar ’26$310,000
521 S ANDREA CIRCLE · same community
4 bd · 2 ba · 1,939 sqft · $160/sqft · 20 DOM
Sold · Nov ’25$266,000
104 RICHMAR AVENUE
4 bd · 2 ba · 2,974 sqft · $89/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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 545 S ANDREA CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 545 S ANDREA CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
545 S ANDREA CIRCLE FAQs
What would the monthly payment be for 545 S ANDREA CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,851/mo — principal and interest, the actual property-tax bill, the $118/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 545 S ANDREA CIRCLE?+
The association fee works out to $118 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 545 S ANDREA CIRCLE?+
The most recent tax bill on record (2024) was $7,327. 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 545 S ANDREA CIRCLE?+
The listing reports pets: Breed Restrictions, 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 $310,000, this home is listed about 1% below the Haines City median of $312,900. The market section on this page shows how the area is trending.
Which schools are assigned to 545 S ANDREA CIRCLE?+
Alta Vista Elementary School (elementary), Haines City Senior High School (high), Shelley S. Boone Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
02Time on market is leverage
338 days on market against a Haines City median of 41 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $359,900, now $310,000 — a $50K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DEAL MAKERS REALTY TEAM CORP · Victoria Tapia. MLS #S5134216.
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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