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$550,000

409 21ST STREET SW, WINTER HAVEN, FL 33880

Active51 days on market

Beds

Baths

Sq Ft

2,322 sq ft

Year Built

1926

Lot Size

0.40 acres

Garage

About This Property

Stunning 2 story 3 bath Spanish home with attention to details. This home has been renovated, roof was complete in 2019, painted inside and out in 2020, new A/C in 2023, electric and plumbing and the sprinkler system in 2023. Upon entering into the family room, you will immediately notice the vaulted beam ceilng along with the 20foot high fireplace. There are built-ins and bookcases throughout the home. Walking up into the kitchen, there is granite throughout and stainless steel appliances, along with a breakfast nook. There is a beautiful flooring throughout the home. On the first floor, there is another sitting room,along with a bedroom and a additional renovated full bath. On the second floor, it provides the laundry room and two more bedrooms and two full bathrooms that have been tastefully renovated. Going outside, there is convered area where you can relax and the property is completely fenced in. Another great feature is a detached studio that has been

Property Overview

Property TypeResidential

Sub TypeSingle Family Residence

MLS #P4938761

StatusActive

Year Built1926

Stories2

Total Rooms8

ConstructionStucco

RoofShingle

FoundationCrawlspace

FacesEast

SubdivisionWEST WINTER HAVEN

CountyPolk

OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Crown Molding, Eating Space In Kitchen, High Ceilings, Living Room/Dining Room Combo, Vaulted Ceiling(s), Walk-In Closet(s), Window Treatments

FlooringCeramic Tile, Reclaimed Wood

AppliancesDishwasher, Electric Water Heater, Range, Refrigerator

LaundryInside

CoolingCentral Air

HeatingCentral

FireplaceYes ()

Exterior & Lot

ExteriorFrench Doors, Storage

Lot Size0.40 acres (17,263 sq ft)

Lot Dimensions115 x 150

Road SurfaceAsphalt

Utilities

WaterNone

SewerPublic Sewer

UtilitiesCable Available, Electricity Connected, Sewer Connected, Street Lights, Water Connected

Parking

GarageYes (2 spaces)

CarportYes

HOA & Community

HOANo

Senior CommunityNo

Financial Details

List Price$550,000

Annual Taxes$5,112 (2025)

FinancingCash, Conventional, FHA, VA Loan

ZoningR-1C

Parcel #262830636010038010

Directions

On Lake Howard Drive SW to Avenue c SW, turn south on 21st Street SW, the property will be on the right

Location

409 21ST STREET SW, WINTER HAVEN, FL 33880

Listing Information

OfficeCOLDWELL BANKER REALTY

ListedMay 21, 2026

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Home Price

$550,000

Down Payment20% ($110,000)

Interest Rate6.75%

Loan Term

Principal & Interest$2,854

Property Tax (est.)$504

Insurance (est.)$150

Total Monthly$3,508

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How to Buy This Home

Multiple financing options available for this $550,000 home in WINTER HAVEN.

🏛️

FHA Loan

$19,250 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

$27,500 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.

Full Calculator →First-Time Buyer Guide →VA Loan Guide →

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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: July 11, 2026.