1109 5TH STREET SW, WINTER HAVEN, FL, 33880
Active331 days on marketListed Sep 11, 2025MLS #S5134355
About this home
1109 5TH STREET SW
Short Sale. Discover the exceptional potential of this 3-bedroom, 2-bathroom home ideally located in the heart of Winter Haven, offering unbeatable access and flexibility with no HOA restrictions. Positioned just minutes from major highways, shopping centers, dining, and local amenities, this property delivers convenience that’s hard to match. Inside, the home features a spacious living area, an updated kitchen with ample cabinet space, and a comfortable primary suite designed for everyday living. Outside, the generous fenced-in lot provides room for entertaining, expansion, or future development. What truly sets this property apart is its strategic location, making it a strong candidate for Commercial or Industrial rezoning. Whether you envision office space, a retail storefront, business headquarters, long-term rental, or continued residential use, the possibilities are wide open. Perfectly suited for homeowners, investors, or entrepreneurs, this Winter Haven property combines location, accessibility, and potential. Don’t miss this rare opportunity, schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,238
Sqft
0.1 ac
Lot size
1925
Year built
One
Levels
$158
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 — not generic estimates.
$1,612 /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
$1,612/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.
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
−3.1%
$/sqft vs Winter Haven actives
$158 vs $170
Days on market
331 vs 49 typical
Where $158/sqft sits among the 400 Winter Haven 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 South College
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
South College — neighborhood snapshot
Population
159
Median age
33
Median income
$47,034
Median home value
$111,683
Avg household
2
Households w/ children
21%
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Haven market
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
196 of 400
Winter Haven actives have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% below the WINTER HAVEN 33880 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 1109 5TH STREET SW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’25$160,000
121 F AVENUE SW · same community
4 bd · 1 ba · 1,560 sqft · $103/sqft · 13 DOM
Sold · Jun ’26$180,000
2208 SAN MARCOS CIRCLE SE
2 bd · 2 ba · 1,224 sqft · $147/sqft · 25 DOM
Sold · Oct ’25$190,000
679 AVENUE Q SE
3 bd · 2 ba · 1,272 sqft · $149/sqft · 104 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
John Carpenter
CFO/Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 1109 5TH STREET SW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1109 5TH STREET SW — before you fall in love.
See it in person
Schedule a tour
Live availability from John's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
1109 5TH STREET SW FAQs
What would the monthly payment be for 1109 5TH STREET SW?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,612/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 1109 5TH STREET SW?+
The most recent tax bill on record (2024) was $2,619. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Winter Haven?+
At $195,000, this home is listed about 32% below the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 1109 5TH STREET SW?+
Winter Haven Senior High School (high), Denison Middle School (middle), John Snively Elementary (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 WINTER HAVEN 33880 market on paper
$195,000 is 14% below the WINTER HAVEN 33880 median of $227,450, and at $158/sqft it sits under the Winter Haven average of $174.
02Time on market is leverage
331 days on market against a Winter Haven median of 49 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $249,000, now $195,000 — a $54K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXIT REALTY 4CORNERS · Carlos DeJesus. MLS #S5134355.
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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