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$299,999

324 GINA LANE, DAVENPORT, FL 33837

3D Tour
Active50 days on market

Beds

3

Baths

2

Sq Ft

1,516 sq ft

Year Built

2022

Lot Size

0.11 acres

Garage

2

About This Property

Built in 2022, this three-bedroom, two-bath home gives you 1,504 square feet in a layout that uses the space well. The open kitchen, dining, and living areas keep the main part of the home connected, while the split-bedroom floor plan gives the primary suite a little separation when you want it. ASSUMABLE 4.75% RATE FHA Loan. Inside, the home has been freshly painted and kept simple, giving the next owner a clean starting point to make it their own. There’s also a two-car garage, walk-in closet, indoor laundry, and a covered patio for a little extra room outside. Horse Creek at Crosswinds adds a community pool, cabana, and playground without requiring you to maintain those amenities yourself. And when you leave the neighborhood, Davenport puts shopping, restaurants, Posner Park, and the greater Central Florida area within easy reach. For someone ready to move out of renting and into a place of their own, this is the kind of home that doesn’t ask you to take on a massive project first. It’s newer, comfortable, practical, and ready for whatever you want to make of it

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #O6432891
StatusActive
Year Built2022
Stories1
Total Rooms4
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesSouth
SubdivisionBELLA VITA PH 1A & 1B-1
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s)
FlooringCarpet, Ceramic Tile
AppliancesDishwasher, Electric Water Heater, Microwave, Refrigerator
LaundryInside
CoolingCentral Air
HeatingCentral, Electric

Exterior & Lot

ExteriorIrrigation System, Lighting, Sliding Doors
Lot Size0.11 acres (4,600 sq ft)
Road SurfacePaved
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesPublic, Sewer Connected, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$171 / Annually
Senior CommunityNo

Financial Details

List Price$299,999
Annual Taxes$3,810 (2025)
Parcel #272634710501002810

Directions

From I-4 / Champions Gate (Exit 58), take Osceola Polk Line Road east to US-17/92, then head south for approximately 5 miles. Turn left into Horse Creek at Crosswinds, then follow the community roads to Gina Lane and 324 Gina Ln

Location

324 GINA LANE, DAVENPORT, FL 33837

Listing Information

OfficeSERHANT
ListedAugust 17, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$299,999

20% ($60,000)
6.75%

Loan Term

Principal & Interest$1,557
Property Tax (est.)$275
Insurance (est.)$150
Total Monthly$1,982
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How to Buy This Home

Multiple financing options available for this $299,999 home in DAVENPORT.

🏛️

FHA Loan

$10,500 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

$15,000 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

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 19, 2026.

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