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$299,000

12 SAINT KITTS CIRCLE, WINTER HAVEN, FL 33884

3D Tour
Active1 days on market

Beds

3

Baths

2

Sq Ft

1,639 sq ft

Year Built

1993

Lot Size

0.20 acres

Garage

2

About This Property

Welcome to the beautifully maintained 3-bedroom, 2-bath home with a bonus room in the desirable Planters Walk community of SE Winter Haven! Offering approximately 1,640 square feet of living space on a spacious 8,712-square-foot lot, this home provides comfortable living with plenty of room to enjoy both indoors and out. Step inside to find beautiful wood flooring flowing through the entrance, living room, and dining area, creating a warm and inviting atmosphere. The family room and kitchen feature easy-care tile flooring, while the kitchen offers stainless steel appliances and granite countertops. Granite countertops are also featured in the other wet areas of the interior, adding both style and functionality. The bonus room provides flexible space that can be used as a home office, den, craft room, playroom, or additional living area. Outside, enjoy your fully fenced backyard featuring a deck and gazebo—perfect for relaxing, entertaining guests, enjoying your morning coffee, or creating your own private outdoor retreat. The roof was recently replaced, providing an added benefit for the next homeowner. Another great feature is the exceptionally low HOA fee, with no CDD fees, helping keep the cost of ownership affordable. Located in SE Winter Haven, Planters Walk offers convenient access to shopping, restaurants, grocery stores, medical facilities, schools, and major roadways. The area is also close to Winter Haven's famous Chain of Lakes and is just a short drive from LEGOLAND Florida Resort, making this a great location for both everyday living and enjoying Central Florida attractions. Winter Haven offers plenty of opportunities for outdoor recreation and entertainment, including parks, trails, lakes, downtown restaurants, local shopping, and community events. Nearby attractions include South Lake Howard Nature Park, Trailhead Park Playground, and the vibrant Downtown Winter Haven area with its restaurants, shops, events, and local markets. Sizes and measurements are estimates and are to be verified by buyer and or buyers agent.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #L4965243
StatusActive
Year Built1993
Total Rooms7
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesSouth
SubdivisionPLANTERS WALK
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Stone Counters, Walk-In Closet(s)
FlooringCarpet, Tile, Hardwood
AppliancesDishwasher, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Washer
LaundryInside
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorIrrigation System, Sliding Doors
FencingFenced
Other StructuresGazebo
Lot Size0.20 acres (8,529 sq ft)
Road SurfaceAsphalt
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Available, Electricity Available

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$86 / Monthly
Senior CommunityNo

Financial Details

List Price$299,000
Annual Taxes$3,328 (2025)
FinancingCash, Conventional, FHA, VA Loan
Parcel #262901663567010060

Schools

ElementaryGarden Grove Elem
MiddleDenison Middle
HighWinter Haven Senior

Directions

From US 17 N turn right onto Cypress Gardens Blvd, turn right to stay on Cypress Gardens Blvd, turn left onto Cypress Gardens Rd SE, turn right to stay on Cypress Gardens Rd SE, turn right onto Chambliss Rd, turn right onto Saint Kitts Circle, house will be on the right.

Location

12 SAINT KITTS CIRCLE, WINTER HAVEN, FL 33884

Listing Information

OfficeLA ROSA REALTY PRESTIGE
ListedSeptember 22, 2026

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Home Price

$299,000

20% ($59,800)
6.75%

Loan Term

Principal & Interest$1,551
Property Tax (est.)$274
Insurance (est.)$150
Total Monthly$1,976
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $299,000 home in WINTER HAVEN.

🏛️

FHA Loan

$10,465 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

$14,950 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 23, 2026.

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