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$317,000

440 SWEETWATER WAY, HAINES CITY, FL 33844

Active0 days on market

Beds

3

Baths

2

Sq Ft

1,751 sq ft

Year Built

1994

Lot Size

0.13 acres

Garage

2

About This Property

**FULLY FURNISHED with GOLF CART INCLUDED!!** Come visit this home in the 55+ Waterfront Community of Lake Henry Estates. As you step through the front door, your invited by the 11' ceilings and vinyl plank flooring throughout set the tone for this bright, open, 3-bedroom, 2-bathroom home. Head into the kitchen and you'll find granite countertops and a handy pantry. The primary suite offers great views an en-suite bathroom, spacious walk-in closet, and just past the living area, step into the air-conditioned sunroom, where you're greeted by a beautiful back porch and oversized backyard right outside the window. Take in the waterfront setting with no neighbors on two sides for added privacy. This home has been thoughtfully updated with a new roof (2025), replaced windows, a washer and dryer (2023), and a tankless hot water heater, plus an inside utility room, an insulated garage door with electric screen, brick pavers, and extra parking conveniently located nearby, great for entertaining. Everything is move-in ready. And once you step outside your front door, you're in the amazing lakeside, gated community of Lake Henry Estates, offering a 9-hole golf course, swimming, boating, tennis, 2 pickle ball courts, horseshoes, shuffleboard, card tournaments, a library, pool room, craft room, exercise room, and a pub with bar and karaoke, plus so much more, with multiple grocery stores including Publix, Winn-Dixie and Walmart located within 2 miles along with plenty of shopping and restaurants nearby. If you're looking for a worry free, Florida retreat, then look no further, this is definitely a Hidden Jewel of Polk County, coming fully furnished and move-in ready, so schedule a tour today and start living the good life!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #O6439733
StatusActive
Year Built1994
Total Rooms9
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesNorthwest
SubdivisionSWEETWATER GOLF & TENNIS CLUB ADD 02
CountyPolk
OwnershipFee Simple
FurnishedFurnished

Interior Features

InteriorCeiling Fan(s), Living Room/Dining Room Combo, Open Floorplan, Primary Bedroom Main Floor, Solid Surface Counters, Vaulted Ceiling(s)
FlooringVinyl
AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Microwave, Range, Refrigerator, Tankless Water Heater, Washer
LaundryInside, Laundry Room
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorIrrigation System, Rain Gutters, Sidewalk, Sliding Doors
Lot Size0.13 acres (5,798 sq ft)
Road SurfacePaved
ViewWater
0

Utilities

WaterPrivate
SewerPrivate Sewer
UtilitiesBB/HS Internet Available, Cable Connected, Sewer Connected, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$300 / Monthly
Senior CommunityYes

Financial Details

List Price$317,000
Annual Taxes$3,574 (2025)
FinancingCash, Conventional, FHA, VA Loan
Parcel #262736520850004400

Directions

From I4 take US-27S; Turn Right onto the ramp to US-17 S/US-92 W/ Lake Alfred; Turn Left onto Dyson Rd; Turn Right onto Sweetwater Way.

Location

440 SWEETWATER WAY, HAINES CITY, FL 33844

Listing Information

OfficeLIONHEART BROKERS
ListedSeptember 10, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$317,000

20% ($63,400)
6.75%

Loan Term

Principal & Interest$1,645
Property Tax (est.)$291
Insurance (est.)$150
Total Monthly$2,085
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How to Buy This Home

Multiple financing options available for this $317,000 home in HAINES CITY.

🏛️

FHA Loan

$11,095 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

$15,850 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 10, 2026.

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