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$325,000

845 AVENUE F NE, WINTER HAVEN, FL 33881

3D Tour
Active5 days on market

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

Property TypeResidential
Sub TypeSingle Family Residence
MLS #P4939657
StatusActive
Year Built1952
Total Rooms7
ConstructionBlock
RoofShingle
FoundationCrawlspace
FacesSouth
SubdivisionMARTHA HEIGHTS PB 9 PG 39
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Living Room/Dining Room Combo, Thermostat
FlooringCeramic Tile, Laminate, Linoleum, Hardwood
AppliancesDryer, Range, Refrigerator, Washer
LaundryElectric Dryer Hookup, Inside, Washer Hookup
WindowsAluminum Frames, Blinds
CoolingCentral Air
HeatingElectric
SecuritySecurity Lights

Exterior & Lot

ExteriorGarden, Irrigation System, Kennel, Private Yard, Storage
FencingWood
Lot Size0.26 acres (11,325 sq ft)
Lot FeaturesCorner Lot
Road SurfaceAsphalt
0

Utilities

WaterPublic, Well
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Connected, Electricity Connected, Fiber Optics, Natural Gas Available, Phone Available, Public, Sewer Connected, Sprinkler Well, Street Lights, Water Connected

Parking

GarageYes (1 spaces)

HOA & Community

HOANo
Senior CommunityNo

Financial Details

List Price$325,000
Annual Taxes$490 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningR2
Parcel #262821573500005010

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

OfficeCROSBY & ASSOCIATES, INC.
ListedSeptember 8, 2026

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Home Price

$325,000

20% ($65,000)
6.75%

Loan Term

Principal & Interest$1,686
Property Tax (est.)$298
Insurance (est.)$150
Total Monthly$2,134
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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.

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