5539 MADDIE DRIVE, HAINES CITY, FL, 33844
Active148 days on marketListed May 28, 2026MLS #S5150664
About this home
5539 MADDIE DRIVE
**GREAT OPPORTUNITY! 100 FINANCING AVAILABLE FOR QUALIFIED BUYERS – $0 DOWN PAYMENT OPTIONS! SELLER MAY CONTRIBUTE TOWARD BUYER'S CLOSING COSTS WITH AN ACCEPTABLE BEST!** Financing and incentives are subject to eligibility, lender approval, and applicable terms. Ask about available programs through our preferred lender! **WHY WAIT FOR NEW CONSTRUCTION WHEN THIS BEAUTIFUL 2024-BUILT HOME IS MOVE-IN READY?** Avoid lengthy construction timelines and the additional expenses of furnishing, decorating, and upgrading a brand-new home! Discover this beautifully maintained **3-bedroom, 2-bathroom residence** in the desirable **Hammock Reserve community in Haines City, Florida!** Featuring a bright, modern open-concept floor plan, this home best the perfect combination of comfort, style, and convenience. The furniture and tasteful décor may be included, subject to the terms of the sale. The stunning kitchen features **stainless steel appliances, abundant cabinetry, generous counter space, and a spacious center island**, seamlessly connecting to the dining and living areas, perfect for everyday living and entertaining. The inviting primary suite features a spacious walk-in closet and a private in-suite bathroom, while the additional bedrooms provide flexible space for guests, a home office, or other needs. **ENJOY RESORT-STYLE COMMUNITY AMENITIES!** Hammock Reserve offers a community swimming pool, dog park, and recreational areas designed for relaxation and enjoyment. **LOW HOA FEES!** **FANTASTIC CENTRAL FLORIDA LOCATION!** Conveniently located near US-27 and I-4, providing easy access to Walt Disney World®, Universal Studios®, LEGOLAND®, shopping, restaurants, entertainment, and major Central Florida attractions. Whether you're searching for a **primary residence, vacation home, or investment property**, this beautifully maintained home offers outstanding features, modern comfort, and a convenient location. **SPECIAL BUYER OPPORTUNITY!** Qualified buyers may be eligible for **100 FINANCING WITH NO DOWN PAYMENT**, and the seller may consider contributing toward closing costs with an acceptable best! **DON'T MISS THIS OPPORTUNITY! SCHEDULE YOUR PRIVATE SHOWING TODAY AND DISCOVER THE BENEFITS OF OWNING THIS BEAUTIFUL MOVE-IN-READY HOME!** *Financing programs are subject to buyer qualification, credit approval, occupancy requirements, lender guidelines, and program availability. Seller concessions are negotiable and subject to applicable loan limits. Includes certain furniture and decorative items that will be listed in an inventory.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,677
Sqft
0.1 ac
Lot size
2
Garage
2024
Year built
One
Levels
$193
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.
$2,972 /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
$2,972/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
+9.9%
$/sqft vs HAMMOCK RESERVE PH 3
$193 vs $174
Days on market
148 vs 66 typical
Where $193/sqft sits among the 14 homes for sale in HAMMOCK RESERVE PH 3
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)
5 of 14
HAMMOCK RESERVE PH 3 have cut their price
Median sold price, Haines City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 16% 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 5539 MADDIE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$309,990
5543 MADDIE DRIVE · same community
4 bd · 2 ba · 1,564 sqft · $198/sqft · 88 DOM
Sold · Oct ’26$287,000
5604 MADDIE DRIVE · same community
3 bd · 2 ba · 1,483 sqft · $194/sqft · 109 DOM
Sold · Mar ’26$320,000
4731 BERNARD BOULEVARD · same community
4 bd · 2.5 ba · 1,890 sqft · $169/sqft · 42 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 5539 MADDIE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 5539 MADDIE DRIVE — 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
5539 MADDIE DRIVE FAQs
What would the monthly payment be for 5539 MADDIE DRIVE?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,972/mo — principal and interest, the actual property-tax bill, the $57/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 5539 MADDIE DRIVE?+
The association fee works out to $57 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 5539 MADDIE DRIVE?+
The most recent tax bill on record (2025) was $4,662. 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 5539 MADDIE DRIVE?+
The listing reports pets: Cats OK, Dogs OK. 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 $323,900, this home is listed about 6% above the Haines City median of $305,000. The market section on this page shows how the area is trending.
Which schools are assigned to 5539 MADDIE DRIVE?+
Alta Vista Elementary School (elementary), Shelley S. Boone Middle School (middle), Haines City Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$323,900 runs 16% above the HAINES CITY 33844 median.
02Garden views
The garden view is part of what you're buying — views hold value independently of the structure.
03Time on market is leverage
148 days on market against a Haines City median of 66 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $327,900, now $323,900 — a $4K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DELUX ROYAL REAL ESTATE, LLC · Romelia Pina De Pina. MLS #S5150664.
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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