940 OLEANDER DRIVE SE, WINTER HAVEN, FL, 33880
Active201 days on marketListed Jan 16, 2026MLS #S5141917
About this home
940 OLEANDER DRIVE SE
Auction Property. Ranch-style home offering 2 bedrooms and 1.5 bathrooms with a spacious living room and a good-sized yard. Features include a durable metal roof, RV electrical hookups, and a chicken coop. Some updates in the kitchen. Short Sale subject to lender approval.
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
1,527
Sqft
0.31 ac
Lot size
1
Garage
1958
Year built
One
Levels
$164
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.
$2,019 /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
$2,019/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.
$/sqft vs Winter Haven actives
$164 vs $170
Days on market
201 vs 47 typical
Where $164/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 Winter Haven
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
WINTER HAVEN 33880 — neighborhood snapshot
Population
42,336
Median age
36.5
Median income
$56,803
Median home value
$200,900
Avg household
2.8
Households w/ children
5,516
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)
197 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 11% above the WINTER HAVEN 33880 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 940 OLEANDER DRIVE SE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$228,000
961 PIEDMONT DRIVE SE · same community
2 bd · 2 ba · 1,832 sqft · $124/sqft · 7 DOM
Sold · Sep ’25$290,000
961 OLEANDER DRIVE SE · same community
3 bd · 2 ba · 2,030 sqft · $143/sqft · 71 DOM
Sold · May ’26$145,000
1865 4TH STREET SE
3 bd · 2 ba · 1,540 sqft · $94/sqft · 2 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
Lacie Springstead
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 940 OLEANDER DRIVE SE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 940 OLEANDER DRIVE SE — before you fall in love.
See it in person
Schedule a tour
Live availability from Lacie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
940 OLEANDER DRIVE SE FAQs
What would the monthly payment be for 940 OLEANDER DRIVE SE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,019/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 940 OLEANDER DRIVE SE?+
The most recent tax bill on record (2025) was $3,326. 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 $250,000, this home is listed about 12% 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 940 OLEANDER DRIVE SE?+
Denison Middle School (middle), Winter Haven Senior High School (high), 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
01Positioned at the premium end
$250,000 runs 11% above the WINTER HAVEN 33880 median.
02Time on market is leverage
201 days on market against a Winter Haven median of 47 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $270,000, now $250,000 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of JASON MITCHELL REAL ESTATE FLO · David Hartigan. MLS #S5141917.
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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