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$185,000

505 HOLT CIRCLE, WINTER HAVEN, FL 33880

3D Tour
Active99 days on market

Beds

4

Baths

2

Sq Ft

1,304 sq ft

Year Built

1974

Lot Size

0.24 acres

Garage

—

About This Property

Short Sale. This 4-bedroom, 2-bath home with a versatile bonus room is situated on a desirable corner lot with no HOA restrictions. Featuring a newer roof installed in 2022, this property offers incredible potential for homeowners and investors alike. Conveniently located near major highways, shopping, and grocery stores, the home also provides plenty of outdoor space with endless possibilities to make it your own. Property is subject to third-party lender approval. Don’t miss this great opportunity!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #O6408441
StatusActive
Year Built1974
Total Rooms6
ConstructionStucco
RoofShingle
FoundationBlock
FacesNorth
SubdivisionJAN PHYL VILLAGE
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Split Bedroom
FlooringCarpet, Laminate
AppliancesDishwasher, Microwave, Range, Refrigerator
LaundryInside
CoolingWall/Window Unit(s)
HeatingElectric

Exterior & Lot

ExteriorLighting, Sidewalk, Sliding Doors
Lot Size0.24 acres (10,568 sq ft)
Road SurfaceAsphalt
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesElectricity Connected, Sewer Connected

Parking

GarageNo

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$185,000
Annual Taxes$3,187 (2025)
FinancingCash, Conventional, VA Loan
ZoningR-3
Parcel #252825354520017430

Schools

ElementaryPinewood Elem
MiddleWestwood Middle
HighLake Region High

Directions

Starting on Recker Highway, turn onto Hartfield Road, turn left on Totty Street, then turn right on Holt Circle and 505 will be on the corner.

Location

505 HOLT CIRCLE, WINTER HAVEN, FL 33880

Listing Information

OfficeMMV REAL ESTATE GROUP LLC
ListedMay 17, 2026

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Home Price

$185,000

20% ($37,000)
6.75%

Loan Term

Principal & Interest$960
Property Tax (est.)$170
Insurance (est.)$150
Total Monthly$1,280
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $185,000 home in WINTER HAVEN.

🎖️

VA Loan

$0 Down

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

🏦

Conventional

$9,250 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: October 4, 2026.

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