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$298,490

244 CHURCH STREET, LAKE HAMILTON, FL 33851

3D Tour

Active49 days on market

Beds

Baths

Sq Ft

1,483 sq ft

Year Built

2026

Lot Size

0.11 acres

Garage

About This Property

Under Construction. Brand new, energy-efficient home available by Jul 2026! Retreat to your primary suite located in the back of the home for plenty of privacy and features a huge walk-in closet. Now selling from the high $200s, Hamilton Bluff Classic Series features new single-family homes in Lake Hamilton, FL. Surrounded by scenic lakes, this community is located minutes away from Hwy 27, providing convenient to access major metro areas. Residents will have access to an abundance of amenities including a pool and cabana, walking trails, and a playground. Each of our homes is built with innovative, energy-efficient features designed to help you enjoy more savings, better health, real comfort and peace of mind.

Property Overview

Property TypeResidential

Sub TypeSingle Family Residence

MLS #TB8510113

StatusActive

Year Built2026

Total Rooms6

ConstructionBlock, Cement Siding, Stucco, Wood Frame

RoofShingle

FoundationSlab

FacesEast

SubdivisionHAMILTON BLUFF

CountyPolk

OwnershipFee Simple

New ConstructionYes

Interior Features

InteriorOpen Floorplan, Split Bedroom, Stone Counters, Thermostat, Walk-In Closet(s), Window Treatments

FlooringCarpet, Ceramic Tile, Laminate

AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Microwave, Range, Refrigerator, Washer

LaundryInside, Laundry Room

WindowsENERGY STAR Qualified Windows

CoolingCentral Air

HeatingElectric, Heat Pump

SecuritySecurity System, Smoke Detector(s)

Exterior & Lot

ExteriorIrrigation System, Sliding Doors

Lot Size0.11 acres (4,600 sq ft)

Lot Dimensions40 x 115

Road SurfaceAsphalt

Utilities

WaterPublic

SewerPublic Sewer

UtilitiesCable Available, Electricity Connected, Fire Hydrant, Phone Available, Public, Sewer Connected, Street Lights, Underground Utilities, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes

HOA Fee$572 / Annually

Senior CommunityNo

Financial Details

List Price$298,490

Original Price$318,490

Annual Taxes$1 (2026)

FinancingCash, Conventional, FHA, USDA Loan, VA Loan

ZoningRES

Parcel #272815822502024110

Schools

ElementaryAlta Vista Elem

MiddleDundee Ridge Middle

HighWinter Haven Senior

Directions

Head toward E South St on S Magnolia Ave. Turn left onto E South St (SR-15 N). Go for 0.3 mi. Turn left and take ramp onto I-4 Express Ln toward I-4. Go Continue on I-4 W Go for 19.8 mi. Then Take exit 55 onto US-27 S (Hwy 27) for 0.9 mi. Then Keep right onto Hwy 27 (US-27 S) for 12.6 mi. Then Turn left onto Kokomo Rd NW (CR-546) for 1.0 mi. Then Turn right onto State Road 17 S (US-27-ALT) or 0.5 mi. Then Turn left onto Water Tank Rd E. Then Continue on Water Tank Rd E. for 0.3 mi. Then Turn left onto Pocket Wilderness Way.

Location

244 CHURCH STREET, LAKE HAMILTON, FL 33851

Listing Information

OfficeMERITAGE HOMES OF FL REALTY

ListedMay 27, 2026

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Preferred Time

Home Price

$298,490

Down Payment20% ($59,698)

Interest Rate6.75%

Loan Term

Principal & Interest$1,549

Property Tax (est.)$274

Insurance (est.)$150

Total Monthly$1,972

Full Calculator →

Nearby Schools

Elementary School

Alta Vista Elem

View on GreatSchools →

Middle School

Dundee Ridge Middle

View on GreatSchools →

High School

Winter Haven Senior

View on GreatSchools →

How to Buy This Home

Multiple financing options available for this $298,490 home in LAKE HAMILTON.

🏛️

FHA Loan

$10,447 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

$14,925 Down

Traditional financing. As low as 3-5% down with good credit.

🌾

USDA Loan

$0 Down

Zero down for eligible rural areas. Income limits apply.

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 →

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 15, 2026.