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- 845 AVENUE F NE
$325,000
845 AVENUE F NE, WINTER HAVEN, FL 33881
Beds
3
Baths
2
Sq Ft
1,552 sq ft
Year Built
1952
Lot Size
0.26 acres
Garage
1
About This Property
Virtually Staged. Rare No-HOA Corner Lot with Work, RV, & Boat Parking This 3-bedroom, 2-bath block home sits on a quarter-acre corner lot in Winter Haven with zero HOA restrictions. The fenced yard offers Private area for RV parking, boat parking, and off-street parking beyond the attached 22x13 garage—ideal for trailers, toys, or a backyard workshop—plus raised garden beds already in place, a kennel/chicken coop, and mature oak trees for those who'd rather use the space for animals or growing their own food. Inside, this home offers a living room/dining room combo, a Florida room, and shelving in the guest hallway. The primary suite features a built-in closet and large en-suite bathroom including storage and laundry area. The second full bathroom serves the additional bedrooms. Central air, ceiling fans, and oak wood floor throughout much of the home other than ceramic tile in both bathrooms, and linoleum in the kitchen. The community offers access to a nearby Lake Elbert which has a public boat ramp, dock, allowing fishing and a paved lakeside walking path close by. No HOA. No lease restrictions. No association approval required—a flexible corner lot ready for RVs, boats, gardens, or animals.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Directions
From the corner of US 27 and Dundee Road, head west on Dundee Road and continue straight for approximately 6.5 miles as it leads you directly toward the central Winter Haven area, then turn right onto 1st Street North/Lake Elbert Drive, follow it briefly before turning left or connecting toward the neighborhood grid near Lake Elbert, and finally turn onto Avenue F where your destination at number 845 will be on your right
Location
845 AVENUE F NE, WINTER HAVEN, FL 33881
Listing Information
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Pick a Day
Preferred Time
Home Price
$325,000
Loan Term
How to Buy This Home
Multiple financing options available for this $325,000 home in WINTER HAVEN.
🏛️
FHA Loan
$11,375 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
$16,250 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: September 13, 2026.