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Active
3
beds
3
baths
1,544
sqft
1
garage
Listed by CAMBRIDGE REALTY OF CENTRAL FL· Last updated · MLS# L4959017
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New construction · 2026
Different rules apply when you buy new
Build snapshot
- Build year
- 2026
- Builder
- Ask the team — not on MLS
- Community
- HARBOR AT LAKE HENRY
- Type
- Townhouse
True monthly carry
- HOA
- ~$100/mo
- CDD bond
- No CDD disclosed
- Builder incentives
- Ask — change weekly
What we'll do for you on a new build
Builder contract redlines
Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.
11-month inspection
Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.
Verified incentives
We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.
About this home
PlaygroundDisposalDryerElectric Water HeaterExhaust FanMicrowaveRangeRefrigerator
133 Nemo Ln is a 2026-built home in Harbor At Lake Henry, Winter Haven. Inside you'll find 3 bedrooms, 3 bathrooms, and 1,544 square feet of living space. Listed at $249,900 (about $162/sqft), 103 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $1,200 annually.
From the listing
Under Construction. Brand-new 3-bedroom, 2.5-bath two-story townhome with garage in Winter Haven, FL. The open-concept main level features a spacious living area, flex space, powder room, and private covered lanai. The professionally designed kitchen includes a breakfast bar, 36-inch soft-close birch cabinets, premium laminate countertops, walk-in pantry, and Samsung stainless steel appliances. Upstairs, the owner’s suite offers a walk-in closet and en-suite bath with dual vanities and a tiled shower, while two additional bedrooms share a dual-vanity hall bath. Features include luxury vinyl plank flooring in main areas and baths, stain-resistant carpet in bedrooms, LED lighting, built-in pest control, and energy-efficient construction with Low-E windows, R-30 insulation, and a programmable thermostat. Move-in ready and easy to maintain.
The essentials
Built
2026
Price / sqft
$162
On market
152 days
Annual tax
$0
HOA
$1,200/yr
Flood zone
X · low risk
Lot
2,200 sqft
Type
Townhouse
Location
Type
Townhouse
Year Built
2026
Lot
2,200 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
152
Playground
Disposal
Dryer
Electric Water Heater
Exhaust Fan
Microwave
Range
Refrigerator
Flood Zone X
Annual Tax (2025)
$0
Parcel #
26-28-01-521040-001540
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Subdivision
Harbor At Lake Henry
County
Polk
MLS Area
33881 - Winter Haven / Florence Villa
Lot Size
2,200 sqft
HOA
$1,200/yr
HCMANAGEMENT
Date
Event
Price
5/12/2026
Price change
Source: Stellar MLS #L4959017
$249,900-2.3%
$162/sqft
—
Price change
Source: Stellar MLS #L4959017
$255,900-4.5%
$166/sqft
1/29/2026
Listed for sale
Source: Stellar MLS #L4959017
$267,900
$174/sqft
Enter a home price - see your real monthly payment.
Loan Details
$100K$2M
Your Results
Total Monthly Payment
$2,153
Principal, interest, tax, insurance, HOA
- P&I$1,303
- Tax$450
- Insurance$300
- HOA$100
Loan Amount
$199,920
Down Payment %
20.0%
First Year Summary
Principal
$2,110
Interest
$13,530
Balance
$197,810
Total Interest
$269,278
Total Cost
$469,198
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