1 / 9

$249,900

349 WHARF WAY, WINTER HAVEN, FL 33881

3D Tour

Active112 days on market

Beds

Baths

Sq Ft

1,604 sq ft

Year Built

2026

Lot Size

0.05 acres

Garage

—

About This Property

Under Construction. 2-story new construction townhome with 1,604 square feet, 3 bedrooms, and a covered lanai, located in the brand-new Harbor of Lake Henry community. Downstairs, enjoy an open layout and a gourmet kitchen with, shaker-style wood cabinets, Samsung stainless steel appliances, including a pantry. The spacious gathering room opens to your covered lanai. The entire lower level and upstairs baths are finished with luxury vinyl plank flooring, with stain-resistant carpet in the bedrooms. Upstairs, you'll find three spacious bedrooms including your owner's suite complete with a walk-in wardrobe, linen closet, and a private en-suite bath with dual vanities and a tiled shower. Additional features for your convenience include a half bath downstairs, upstairs hall bath for the secondary bedrooms, energy-efficient insulation and windows, and a full builder warranty.

Property Overview

Property TypeResidential

Sub TypeTownhouse

MLS #L4959545

StatusActive

Year Built2026

Total Rooms3

ConstructionBlock

RoofShingle

FoundationSlab

FacesWest

SubdivisionHARBOR AT LAKE HENRY

CountyPolk

OwnershipFee Simple

New ConstructionYes

Interior Features

InteriorIn Wall Pest System

FlooringCarpet, Vinyl

AppliancesDishwasher, Disposal, Electric Water Heater, Microwave, Range

LaundryInside

CoolingCentral Air

HeatingCentral

Exterior & Lot

ExteriorIrrigation System

Lot Size0.05 acres (2,200 sq ft)

Road SurfacePaved

Utilities

WaterPublic

SewerPublic Sewer

UtilitiesCable Available

Parking

GarageNo

HOA & Community

HOAYes

HOA Fee$1,000 / Annually

Senior CommunityNo

Financial Details

List Price$249,900

Original Price$261,750

FinancingCash, Conventional, FHA, VA Loan

Parcel #262801521040001160

Directions

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

Location

349 WHARF WAY, WINTER HAVEN, FL 33881

Listing Information

OfficeCAMBRIDGE REALTY OF CENTRAL FL

ListedFebruary 19, 2026

Schedule a Tour

Pick a Day

Preferred Time

Home Price

$249,900

Down Payment20% ($49,980)

Interest Rate6.75%

Loan Term

Principal & Interest$1,297

Property Tax (est.)$229

Insurance (est.)$150

Total Monthly$1,676

Full Calculator →

How to Buy This Home

Multiple financing options available for this $249,900 home in WINTER HAVEN.

🏛️

FHA Loan

$8,747 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

$12,495 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 →

More Homes in Winter Haven

All Homes

Browse listings

Pool Homes

Winter Haven

New Construction

Winter Haven

Open Houses

Winter Haven

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 11, 2026.