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Active
3
beds
3
baths
1,544
sqft
1
garage
Listed by CAMBRIDGE REALTY OF CENTRAL FL· Last updated · MLS# L4959021
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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
PlaygroundDishwasherDisposalElectric Water HeaterMicrowaveRangeRefrigerator
137 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 $259,900 (about $168/sqft), 149 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-story townhome with garage in Winter Haven, FL! This professionally designed home features an open-concept main level with a spacious gathering room, flex space, powder room, and private covered lanai. The modern kitchen offers shaker-style soft-close cabinets, premium laminate countertops, stainless steel Samsung appliances, a breakfast bar, and walk-in pantry. Upstairs includes a private owner’s suite with walk-in closet and dual-vanity en-suite bath, plus two generous secondary bedrooms sharing a dual-vanity hall bath. Enjoy low-maintenance luxury vinyl plank flooring, stain-resistant carpet, energy-efficient LED lighting, built-in pest control, and energy-saving features including R-30 insulation, Low-E windows, and a programmable thermostat—move-in ready with style and efficiency.
The essentials
Built
2026
Price / sqft
$168
On market
152 days
Annual tax
$0
HOA
$1,200/yr
Flood zone
X · low risk
Lot
3,302 sqft
Type
Townhouse
Location
Type
Townhouse
Year Built
2026
Lot
3,302 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
152
Playground
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Refrigerator
Flood Zone X
Annual Tax (2025)
$0
Parcel #
26-28-01-521040-001550
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
3,302 sqft
HOA
$1,200/yr
HCMANAGEMENT
Date
Event
Price
5/12/2026
Price change
Source: Stellar MLS #L4959021
$259,900-2.3%
$168/sqft
—
Price change
Source: Stellar MLS #L4959021
$265,900-5.0%
$172/sqft
1/29/2026
Listed for sale
Source: Stellar MLS #L4959021
$279,900
$181/sqft
Enter a home price - see your real monthly payment.
Loan Details
$100K$2M
Your Results
Total Monthly Payment
$2,205
Principal, interest, tax, insurance, HOA
- P&I$1,355
- Tax$450
- Insurance$300
- HOA$100
Loan Amount
$207,920
Down Payment %
20.0%
First Year Summary
Principal
$2,195
Interest
$14,071
Balance
$205,725
Total Interest
$280,054
Total Cost
$487,974
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