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$259,900

137 NEMO LANE, WINTER HAVEN, FL 33881

Active149 days on market

Beds

Baths

Sq Ft

1,544 sq ft

Year Built

2026

Lot Size

0.08 acres

Garage

About This Property

Under Construction. Brand-new 3-bedroom, 2-story townhome with garage in Winter Haven, FL! This professionally designed home features an open-concept main level with a spacious gathering room, flex space, powder room, and private covered lanai. The modern kitchen offers shaker-style soft-close cabinets, premium laminate countertops, stainless steel Samsung appliances, a breakfast bar, and walk-in pantry. Upstairs includes a private owner’s suite with walk-in closet and dual-vanity en-suite bath, plus two generous secondary bedrooms sharing a dual-vanity hall bath. Enjoy low-maintenance luxury vinyl plank flooring, stain-resistant carpet, energy-efficient LED lighting, built-in pest control, and energy-saving features including R-30 insulation, Low-E windows, and a programmable thermostat—move-in ready with style and efficiency.

Property Overview

Property TypeResidential

Sub TypeTownhouse

MLS #L4959021

StatusActive

Year Built2026

Total Rooms3

ConstructionConcrete, Vinyl Siding

RoofShingle

FoundationSlab

FacesSouth

SubdivisionHARBOR AT LAKE HENRY

CountyPolk

OwnershipFee Simple

New ConstructionYes

Interior Features

InteriorOther

FlooringCarpet, Vinyl

AppliancesDishwasher, Disposal, Electric Water Heater, Microwave, Other, Range, Refrigerator

LaundryInside

CoolingCentral Air

HeatingCentral, Electric

Exterior & Lot

ExteriorOther

Lot Size0.08 acres (3,302 sq ft)

Road SurfaceAsphalt

Utilities

WaterPublic

SewerPublic Sewer

UtilitiesBB/HS Internet Available, Electricity Available, Electricity Connected, Water Available, Water Connected

Parking

GarageYes (1 spaces)

HOA & Community

HOAYes

HOA Fee$1,200 / Annually

Senior CommunityNo

Financial Details

List Price$259,900

Original Price$279,900

FinancingCash, Conventional, FHA, VA Loan

ZoningRES

Parcel #262801521040001550

Directions

Drive SW on Lucerne Rd., turn left on Turtle Bay Ave.

Location

137 NEMO LANE, WINTER HAVEN, FL 33881

Listing Information

OfficeCAMBRIDGE REALTY OF CENTRAL FL

ListedJanuary 29, 2026

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Pick a Day

Preferred Time

Home Price

$259,900

Down Payment20% ($51,980)

Interest Rate6.75%

Loan Term

Principal & Interest$1,349

Property Tax (est.)$238

Insurance (est.)$150

Total Monthly$1,737

Full Calculator →

How to Buy This Home

Multiple financing options available for this $259,900 home in WINTER HAVEN.

🏛️

FHA Loan

$9,097 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$12,995 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Polk County SHIP

Varies

Income-qualifying Polk residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

Full Calculator →First-Time Buyer Guide →VA Loan Guide →

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. 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 last updated: June 27, 2026.