Pulling fresh listings…
Active
$249,900
349 Wharf Way, Winter Haven, FL, 33881
$156/sqft·Harbor At Lake Henry
Est. $1,303/moSee payment3
beds
3
baths
1,604
sqft
-
garage
Listed by CAMBRIDGE REALTY OF CENTRAL FL· Last updated · MLS# L4959545
Ask anything about this home
Instant answers from the Estate Vida assistant. Tap a question to start.
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
- ~$83/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
IN Wall Pest SystemDeed RestrictionsDishwasherDisposalElectric Water HeaterMicrowaveRange
349 Wharf Way is a 2026-built home in Harbor At Lake Henry, Winter Haven. Inside you'll find 3 bedrooms, 3 bathrooms, and 1,604 square feet of living space. Listed at $249,900 (about $156/sqft), 82 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $1,000 annually.
From the listing
Under Construction. 2-story new construction townhome with 1,604 square feet, 3 bedrooms, and a covered lanai, located in the brand-new Harbor of Lake Henry community. Downstairs, enjoy an open layout and a gourmet kitchen with, shaker-style wood cabinets, Samsung stainless steel appliances, including a pantry. The spacious gathering room opens to your covered lanai. The entire lower level and upstairs baths are finished with luxury vinyl plank flooring, with stain-resistant carpet in the bedrooms. Upstairs, you'll find three spacious bedrooms including your owner's suite complete with a walk-in wardrobe, linen closet, and a private en-suite bath with dual vanities and a tiled shower. Additional features for your convenience include a half bath downstairs, upstairs hall bath for the secondary bedrooms, energy-efficient insulation and windows, and a full builder warranty.
The essentials
Built
2026
Price / sqft
$156
On market
131 days
Annual tax
$0
HOA
$1,000/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
Parking
-
Days on Market
131
IN Wall Pest System
Deed Restrictions
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Flood Zone X
Annual Tax (2025)
$0
Parcel #
26-28-01-521040-001160
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
$1,000/yr
Hcmanagement
Date
Event
Price
3/18/2026
Price change
Source: Stellar MLS #L4959545
$249,900-4.5%
$156/sqft
2/19/2026
Listed for sale
Source: Stellar MLS #L4959545
$261,750
$163/sqft
Enter a home price - see your real monthly payment.
Loan Details
$100K$2M
Your Results
Total Monthly Payment
$2,136
Principal, interest, tax, insurance, HOA
- P&I$1,303
- Tax$450
- Insurance$300
- HOA$83
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
Keep exploring Tampa Bay
Pick up where you left off, or see what else is out there.
