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Overview

2 bd2 ba1,090 sqftCondominium
TypeCondominium
Condo dues$480/mo
Built1985
Lot708 sqft
Living area1,090 sqft
Price / sqft$206

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About this home

Ceiling Fans(s)Stone CountersWalk-in Closet(s)ClubhouseCommunity MailboxGated Community - No GuardPoolTennis Court(s)

503 Sweet Bay Cir is a 1985-built home in Winterset 01 A Condo 02 Amd, Winter Haven. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,090 square feet of living space. Listed at $224,500 (about $206/sqft), 71 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. Condo dues run $480 monthly.

From the listing

Virtually Staged. REMODELED WINTER HAVEN CHAIN OF LAKES CONDO: Stunning remodeled condo with sunset views on the Winter Haven Chain of Lakes! Enjoy the best of Florida living in this beautifully remodeled ground-floor condo overlooking Lake Winterset, part of Winter Haven’s Chain of Lakes. With no stairs, a spacious 2-bedroom, 2-bath layout, private screened porch and gorgeous water views, this move-in-ready residence offers an affordable lakefront lifestyle. Fresh, bright and exceptionally spacious, the interior has been updated from top to bottom with new flooring, stone counters, contemporary lighting and ceiling fans, modern fixtures and a crisp neutral palette. The open living and dining areas offer plenty of room for entertaining, while large windows bring in natural light and showcase views across the expansive lawn to Lake Winterset. The expanded kitchen is a standout, featuring granite countertops, soft-close cabinetry with crown molding, black appliances including a gas range and dishwasher, generous breakfast bar and abundant cabinet and counter space. Its open design connects seamlessly with the dining and living areas. Wake up to water views from the spacious primary suite, complete with a huge walk-in closet and beautifully renovated bath featuring dual undermount sinks, granite countertop, chrome fixtures and a frameless glass walk-in shower with custom tile. Positioned separately for privacy, the second bedroom offers two closets and convenient access to an equally impressive guest bath with granite-topped vanity and custom-tiled tub and shower. Interior laundry and additional storage add everyday convenience. Step onto the private screened porch and enjoy peaceful lake views and spectacular Florida sunsets. It’s the perfect setting for morning coffee, evening cocktails or simply relaxing by the water. Located within gated Winterset, residents enjoy a heated lakefront pool and spa, clubhouse, tennis and pickleball courts, shuffleboard and a private boat ramp providing direct access to the Winter Haven Chain of Lakes. Spend your days boating, fishing, skiing or cruising the Chain to waterfront restaurants. Shopping, dining, medical facilities, LEGOLAND Florida Resort and downtown Winter Haven are just minutes away, with convenient access toward Tampa and Orlando. Whether you're searching for a full-time residence, seasonal Florida getaway or investment opportunity, this beautifully renovated ground-floor condo delivers the combination buyers want: MOVE-IN-READY CONDITION, LAKE VIEWS, NO STAIRS, RESORT-STYLE AMENITIES AND DIRECT CHAIN OF LAKES ACCESS.

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The essentials

Built
1985
Price / sqft
$206
On market
71 days
Annual tax
$2,104
Condo dues
$480/mo
Flood zone
X · Low risk
Lot
708 sqft
Type
Condominium

At a glance

Condo
Built 1985
Water views
Water
Community pool
Shared amenity
Assigned parking
1,090 sqft
Living area

Payment

Est. monthly payment
$1,939/mo
Down payment (20%)
$44,900
Property taxes
$175/mo
Condo dues
$480/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Condominium
Year Built
1985
Lot
708 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Assigned, Guest
Days on Market
71
Ceiling Fans(s)
Stone Counters
Walk-in Closet(s)
Clubhouse
Community Mailbox
Gated Community - No Guard
Pool
Tennis Court(s)
Dishwasher
Disposal
Gas Water Heater
Microwave
Range
Refrigerator
Elementary
Chain O Lakes Elem
Middle
Denison Middle
High
Lake Region High

Districts can re-zone, so verify directly with the district before relying on these.

Flood Zone X
Annual Tax (2025)
$2,104
Parcel #
26-29-12-687501-051250

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
Winterset 01 A Condo 02 Amd
County
Polk
MLS Area
33884 - Winter Haven / Cypress Gardens
Lot Size
708 sqft
In CountyPaved
Condo dues
$480/mo
Stambaugh / Tanisha Schroeder

Price history

Date
Event
Price
9/16/2026
Price change
Source: Stellar MLS #L4963852
$224,500-2.3%
$206/sqft
8/3/2026
Listed for sale
Source: Stellar MLS #L4963852
$229,900
$211/sqft

Neighborhood

503 Sweet Bay Cir
Winter Haven, FL, 33884 · 33884 - Winter Haven / Cypress Gardens

Market insights

Offer Insights

Choose an offer strength

List price: $224,500
$224,500
99.5% – 100% of listTops out right at the list price
80% of listList price
16 of the last 30 condo closings in 33884 landed at this number or higher (53%). The median one sat 43 days before it went under contract, and this one is on day 71 after a $5,400 cut.

Sample: 30 closed condo sales in 33884 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$1,938/mo
Principal & interest$1,171
Property taxes$175
Insurance$112
HOA$480
Down payment20% · $44,900
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$224,500

$206 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,090 sq ft

Time on market

71 days

Year built

1985

Monthly payment

About $1,939/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,104 annual tax bill, insurance, and $480/mo in condo dues.

Condo dues

$480/mo

Managed by Stambaugh / Tanisha Schroeder.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byTHE STONES REAL ESTATE FIRMListing agent: Michael StoneListing data from Stellar MLS, MLS# L4963852.

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