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353 Wharf Way, Winter Haven, FL, 33881

$153/sqft·Harbor At Lake Henry

3 bd3 ba1,604 sqftTownhouse
Listed by CAMBRIDGE REALTY OF CENTRAL FL· Last updated · MLS# L4964803

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

Est. monthly payment
$1,816/mo
Down payment (20%)
$48,980
Property taxes
$0/mo
HOA
$1,200/yr
Rate assumed
6.8% · 30 yr
View full breakdown

At a glance

Townhouse
Built 2026
2,200 sqft lot
Lot size
1,604 sqft
Living area
Brand new
Built 2026

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

IN Wall Pest SystemDeed RestrictionsDishwasherDisposalElectric Water HeaterMicrowaveRange

353 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 $244,900 (about $153/sqft), 1 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $1,200 annually.

From the listing

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
$153
On market
8 days
Annual tax
$0
HOA
$1,200/yr
Flood zone
X · Low risk
Lot
2,200 sqft
Type
Townhouse

Location

353 Wharf Way
Winter Haven, FL, 33881·33881 - Winter Haven / Florence Villa
Type
Townhouse
Year Built
2026
Lot
2,200 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
8
IN Wall Pest System
Deed Restrictions
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Flood Zone X

Annual Tax (2025)

$0

Parcel #

26-28-01-521040-001150

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
9/3/2026
Listed for sale
Source: Stellar MLS #L4964803
$244,900
$153/sqft
Est. monthly payment$1,816/mo
Principal & interest$1,277
Property taxes$316
Insurance$122
HOA$100
Down payment20% · $48,980
Interest rate6.80%
Loan term

Not sure what you can afford?

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Property taxes estimated at 1.55% of price a year. Insurance estimated at 0.60%. HOA is the fee 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.

Offer Insights

Choose an offer strength

List price: $244,900
$240,000 – $244,900
98% – 100% of listTops out right at the list price
80% of listList price
13 of the last 24 townhouse or villa closings in Winter Haven landed at this number or higher (54%). The median one sat 84 days before it went under contract, and this one is on day 8.

Sample: 24 closed townhouse or villa sales in Winter Haven over the last 8 months, Stellar MLS. Widened past this ZIP to get a usable sample. A small sample in a thin market. A starting point, not a guarantee.

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