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$249,900

117 NEMO LANE, WINTER HAVEN, FL 33881

Active9 days on market

Beds

Baths

Sq Ft

1,544 sq ft

Year Built

2026

Lot Size

0.05 acres

Garage

About This Property

Brand-new 3-bedroom, 2.5-bath two-story townhome with garage in Winter Haven, FL. The open-concept main level features a spacious living area, flex space, powder room, and private covered lanai. The professionally designed kitchen includes a breakfast bar, 36-inch soft-close birch cabinets, premium laminate countertops, walk-in pantry, and Samsung stainless steel appliances. Upstairs, the owner’s suite offers a walk-in closet and en-suite bath with dual vanities and a tiled shower, while two additional bedrooms share a dual-vanity hall bath. Features include luxury vinyl plank flooring in main areas and baths, stain-resistant carpet in bedrooms, LED lighting, built-in pest control, and energy-efficient construction with Low-E windows, R-30 insulation, and a programmable thermostat. Move-in ready and easy to maintain.

Property Overview

Property TypeResidential

Sub TypeTownhouse

MLS #L4962759

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

AppliancesDisposal, Dryer, Electric Water Heater, Exhaust Fan, Microwave, Range, Refrigerator

LaundryInside

CoolingCentral Air

HeatingCentral, Electric

Exterior & Lot

ExteriorOther

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

Road SurfaceAsphalt

Utilities

WaterPublic

SewerPublic Sewer

UtilitiesElectricity Available, Water Available

Parking

GarageYes (1 spaces)

HOA & Community

HOAYes

HOA Fee$1,200 / Annually

Senior CommunityNo

Financial Details

List Price$249,900

Original Price$242,900

FinancingCash, Conventional, FHA, VA Loan

ZoningRES

Parcel #262801521040001500

Directions

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

Location

117 NEMO LANE, WINTER HAVEN, FL 33881

Listing Information

OfficeCAMBRIDGE REALTY OF CENTRAL FL

ListedJune 15, 2026

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Pick a Day

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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

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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 →

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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: July 9, 2026.