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$347,000

2639 SAN MARCO WAY, WINTER HAVEN, FL 33884

3D Tour
Active12 days on market

Beds

5

Baths

4

Sq Ft

2,701 sq ft

Year Built

2022

Lot Size

0.14 acres

Garage

2

About This Property

Short Sale. Short Sale — Third Party Approval Required. Welcome to 2639 San Marco Way, a spacious 5-bedroom, 3.5-bathroom two-story home offering 2,701 square feet of flexible living space in Winter Haven, FL. This short sale opportunity presents an excellent chance to acquire a generously sized home at an improved price point in an established Winter Haven community. The two-story layout provides excellent separation of space, with room for large households, multigenerational living, home offices, or guest accommodations. Five bedrooms and three and a half bathrooms give the kind of flexibility that is increasingly difficult to find at this price point. Conveniently located near shopping, dining, medical facilities, and the beautiful Winter Haven Chain of Lakes, with easy access to US-27 and major routes to both Orlando and Tampa. This is a short sale subject to lender approval. Being sold as-is. Buyer and buyer's agent to verify all information including HOA fees, community details, restrictions, measurements, and permitted uses. A rare opportunity to own a large Winter Haven home — schedule your showing today!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #L4965075
StatusActive
Year Built2022
Stories2
Total Rooms7
ConstructionBlock, Stucco, Wood Frame
RoofShingle
FoundationSlab
FacesSouth
SubdivisionVILLAMAR PH 4
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Open Floorplan, Solid Surface Counters, Solid Wood Cabinets
FlooringCarpet, Laminate, Tile
AppliancesDishwasher, Microwave, Range, Refrigerator
LaundryInside
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorSliding Doors
Lot Size0.14 acres (5,915 sq ft)
Lot FeaturesCity Lot
Road SurfacePaved
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesElectricity Available, Water Available

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$262 / Annually
Senior CommunityNo

Financial Details

List Price$347,000
Annual Taxes$6,879 (2025)
FinancingCash, Conventional, FHA, VA Loan
Parcel #262923690584000180

Directions

Take Cypress Gardens Blvd and W Lake Ruby Dr to Cunningham Rd, Continue on Cunningham Rd. Drive to San Marco Way, take right on San Marco Way, home is on the right.

Location

2639 SAN MARCO WAY, WINTER HAVEN, FL 33884

Listing Information

OfficeKELLER WILLIAMS REALTY SMART 1
ListedSeptember 15, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$347,000

20% ($69,400)
6.75%

Loan Term

Principal & Interest$1,801
Property Tax (est.)$318
Insurance (est.)$150
Total Monthly$2,269
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How to Buy This Home

Multiple financing options available for this $347,000 home in WINTER HAVEN.

🏛️

FHA Loan

$12,145 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

$17,350 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.

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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: September 27, 2026.

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