2981 KOKOMO LOOP, HAINES CITY, FL, 33844
Active10 days on marketListed Oct 13, 2026MLS #S5159471
About this home
2981 KOKOMO LOOP
Welcome to 2981 Kokomo Loop, a charming 3-bedroom, 2-bathroom pool home located in the desirable guard-gated golf community of Southern Dunes in Haines City! This inviting home features a spacious split-bedroom floor plan, offering a comfortable balance of privacy and open living space. The bright living and dining areas flow seamlessly into the kitchen, creating an ideal setting for everyday living and entertaining. Tile flooring throughout the main living areas provides easy maintenance, while carpeting in the bedrooms adds warmth and comfort. The primary suite offers a walk-in closet and private en-suite bathroom. Step outside to your own screened-in pool and patio, perfect for enjoying Florida's sunshine, relaxing, or entertaining guests year-round. Additional features include a one-car garage, washer and dryer, and attractive, professionally maintained landscaping. Southern Dunes offers a beautiful golf course setting and an impressive selection of community amenities, including a clubhouse, fitness center, tennis courts, and playground. Conveniently located near shopping, restaurants, major roadways, and Central Florida attractions, this property offers an excellent opportunity for a primary residence, vacation retreat, or investment property. Experience the best of Florida living in Southern Dunes. Schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,130
Sqft
0.09 ac
Lot size
2003
Year built
One
Levels
$270
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 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
$2,851/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.
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
+5.8%
$/sqft vs Haines City actives
$270 vs $172
Days on market
10 vs 66 typical
Where $270/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.
The investor lens
Two ways this home pays
This home sits inside Southern Dunes Golf Course, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,100/mo median
Live Haines City rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Southern Dunes Golf Course
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Southern Dunes Golf Course is a short-term-rental community. See the full guide →
Southern Dunes Golf Course — neighborhood snapshot
Population
2,225
Median age
55
Median income
$49,511
Median home value
$265,000
Avg household
3
Households w/ children
120
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)
206 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 9% 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 2981 KOKOMO LOOP
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$315,000
2985 KOKOMO LOOP · same community
3 bd · 2 ba · 1,130 sqft · $279/sqft · 83 DOM
Sold · Dec ’25$323,000
2696 HEMINGWAY AVENUE · same community
3 bd · 2 ba · 1,130 sqft · $286/sqft · 101 DOM
Sold · Oct ’25$358,000
3010 BARBADOS LANE · same community
4 bd · 3 ba · 1,546 sqft · $232/sqft · 46 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
Pedro Ribeiro Gloria
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2981 KOKOMO LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2981 KOKOMO LOOP — before you fall in love.
See it in person
Schedule a tour
Live availability from Pedro's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2981 KOKOMO LOOP FAQs
What would the monthly payment be for 2981 KOKOMO LOOP?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $2,851/mo — principal and interest, the actual property-tax bill, the $81/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 2981 KOKOMO LOOP?+
The association fee works out to $81 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2981 KOKOMO LOOP?+
The most recent tax bill on record (2025) was $4,572. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 2981 KOKOMO LOOP be rented short-term?+
Yes — this home sits inside Southern Dunes Golf Course, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 2981 KOKOMO LOOP?+
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 $305,000, this home is priced right at the Haines City median.
Which schools are assigned to 2981 KOKOMO LOOP?+
Haines City Senior High School (high), Horizons Elementary School (elementary), Lake Alfred Polytech Academy (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY LLC. MLS #S5159471.
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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