423 N 5TH STREET, HAINES CITY, FL, 33844
Pending99 days on marketListed May 7, 2026MLS #S5149366
About this home
423 N 5TH STREET
PRICE IMPROVEMENT! Positioned in the heart of Haines City, this 2-bedroom, 1-bath home offers a great opportunity for first-time homebuyers, investors, snowbirds, or anyone looking for a functional and affordable property in a convenient location. Step inside to appreciate the abundant natural light flowing throughout the home, creating a bright and welcoming atmosphere. The living room, dining area, and kitchen are closely connected while still offering a comfortable sense of separation for everyday living and entertaining convenience. The kitchen includes all appliances, plenty of cabinet and counter space, and features a convenient serving window overlooking the living room—perfect for everyday living and staying connected while entertaining guests. One bedroom is located just off the living room, while the second bedroom is positioned near the kitchen area, with both sharing access to the bathroom in a Jack-and-Jill style layout. Both bedrooms are similar in size and offer ample natural lighting. Stepping outside, you’ll appreciate the oversized fully fenced backyard—perfect for entertaining, family gatherings, pets, or simply enjoying the outdoors. A storage shed adds additional convenience and functionality. Conveniently located near major roads, highways, shopping, dining, and more!
Facts & features
The home at a glance
2
Bedrooms
1
Bathrooms
660
Sqft
0.11 ac
Lot size
1952
Year built
One
Levels
$227
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.
$1,302 /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
$1,302/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
−25%
$/sqft vs Haines City actives
$227 vs $174
Days on market
99 vs 41 typical
Where $227/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.
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 → $305K
Haines City median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
187 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 49% 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 423 N 5TH STREET
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$97,000
423 N 5TH STREET · same community
2 bd · 1 ba · 660 sqft · $147/sqft · 2 DOM
Sold · Jan ’26$200,000
314 N RAILROAD AVE · same community
3 bd · 1 ba · 1,000 sqft · $200/sqft · 23 DOM
Sold · Apr ’26$199,000
107 S 1ST STREET · same community
3 bd · 1 ba · 1,140 sqft · $175/sqft · 71 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
Cindy Fernandez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 423 N 5TH STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 423 N 5TH STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Cindy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
423 N 5TH STREET FAQs
What would the monthly payment be for 423 N 5TH STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,302/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 423 N 5TH STREET?+
The most recent tax bill on record (2025) was $2,311. 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 423 N 5TH STREET?+
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 $150,000, this home is listed about 52% 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 423 N 5TH STREET?+
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
01Under the HAINES CITY 33844 market on paper
$150,000 is 49% below the HAINES CITY 33844 median of $295,000.
02Time on market is leverage
99 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 $160,000, now $150,000 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Steve Pugh. MLS #S5149366.
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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