$325,000
3122 MONTSERRAT WAY, HAINES CITY, FL 33844
Beds
4
Baths
3
Sq Ft
1,940 sq ft
Year Built
2003
Lot Size
0.15 acres
Garage
2
About This Property
**PRICE ADJUSTMENT & HOME WARRANTY** Amazing value! Don't miss out on this attractive 4-bedroom, 3-bath pool home in the gated, golf course community of Southern Dunes in Haines City. A generous living and dining room opens into a bright kitchen and dinette that flows straight out to the screened lanai and pool — easy living, indoors and out. The split floor of the Cape San Blas model gives everyone genuine privacy, and the spacious primary suite offers a separate shower and garden tub, a large walk-in closet, plus a dedicated owner's closet. Pride of ownership shows throughout: AC and pool heater both approximately 2019, and solar panels that may transfer to the new buyer for real savings on utilities. Southern Dunes is a master-planned community known for its outstanding amenities, centred around a championship 18-hole golf course with a floodlit driving range at the clubhouse. The golf course clubhouse is open to non-members and features a great restaurant serving hot meals and weekend brunch, along with evening activities such as trivia and bingo — a real hub of community life. Residents also enjoy resort-style pools, tennis courts, and a fitness center, all within a secure gated community. The location is equally impressive, with easy access to the Disney corridor as well as nearby shopping, dining favorites such as Manny's Chophouse, medical facilities, and local gyms. Picturesque Winter Haven is just a short drive away, and Tampa, Lakeland, and Orlando International Airport are all within easy reach. This is an exceptional opportunity to own a well-appointed home in a prime location that continues to attract both homeowners and investors alike.
Property Overview
Interior Features
Exterior & Lot
Pool & Spa
Utilities
Parking
HOA & Community
Financial Details
Directions
Take US 27 towards Haines City. Turn left onto Southern Dunes Blvd. Stop Guard Gate to gain entry and give the property address. Take 1st left onto Hemingway Ave and follow through to Kokomo Bay.-on right. Turn right onto Kokomo Loop, then left onto Monserrat Way. The house is on your left.
Location
3122 MONTSERRAT WAY, HAINES CITY, FL 33844
Listing Information
Schedule a Tour
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 HAINES CITY.
🏛️
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 10, 2026.