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Overview

3 bd2 ba1,639 sqft2 car garageSingle Family
TypeSingle Family
HOA$86/mo
Built1993
Lot8,529 sqft
Living area1,639 sqft
Price / sqft$179
Garage2 car

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

About this home

Ceiling Fans(s)Stone CountersWalk-in Closet(s)DishwasherDryerElectric Water HeaterMicrowaveRange

12 Saint Kitts Cir is a 1993-built home in Planters Walk, Winter Haven. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,639 square feet of living space. Listed at $294,000 (about $179/sqft), 26 days on market. Flood zone AE - confirm flood insurance requirements with your lender. HOA runs $86 monthly.

From the listing

Welcome to the beautifully maintained 3-bedroom, 2-bath home with a bonus room in the desirable Planters Walk community of SE Winter Haven! Offering approximately 1,640 square feet of living space on a spacious 8,712-square-foot lot, this home provides comfortable living with plenty of room to enjoy both indoors and out. Step inside to find beautiful wood flooring flowing through the entrance, living room, and dining area, creating a warm and inviting atmosphere. The family room and kitchen feature easy-care tile flooring, while the kitchen offers stainless steel appliances and granite countertops. Granite countertops are also featured in the other wet areas of the interior, adding both style and functionality. The bonus room provides flexible space that can be used as a home office, den, craft room, playroom, or additional living area. Outside, enjoy your fully fenced backyard featuring a deck and gazebo—perfect for relaxing, entertaining guests, enjoying your morning coffee, or creating your own private outdoor retreat. The roof was recently replaced, providing an added benefit for the next homeowner. Another great feature is the exceptionally low HOA fee, with no CDD fees, helping keep the cost of ownership affordable. Located in SE Winter Haven, Planters Walk offers convenient access to shopping, restaurants, grocery stores, medical facilities, schools, and major roadways. The area is also close to Winter Haven's famous Chain of Lakes and is just a short drive from LEGOLAND Florida Resort, making this a great location for both everyday living and enjoying Central Florida attractions. Winter Haven offers plenty of opportunities for outdoor recreation and entertainment, including parks, trails, lakes, downtown restaurants, local shopping, and community events. Nearby attractions include South Lake Howard Nature Park, Trailhead Park Playground, and the vibrant Downtown Winter Haven area with its restaurants, shops, events, and local markets. Sizes and measurements are estimates and are to be verified by buyer and or buyers agent.

The essentials

Built
1993
Price / sqft
$179
On market
26 days
Annual tax
$3,328
HOA
$86/mo
Flood zone
AE
Lot
8,529 sqft
Type
Single Family Residence

At a glance

Single family
Built 1993
2 car garage
Driveway
8,529 sqft lot
Lot size
1,639 sqft
Living area

Payment

Est. monthly payment
$2,043/mo
Down payment (20%)
$58,800
Property taxes
$277/mo
HOA
$86/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1993
Lot
8,529 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway
Days on Market
26
Ceiling Fans(s)
Stone Counters
Walk-in Closet(s)
Dishwasher
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Elementary
Garden Grove Elem
Middle
Denison Middle
High
Winter Haven Senior

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

Homestead exemption on file Flood Zone AE
Annual Tax (2025)
$3,328
Parcel #
26-29-01-663567-010060

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
Planters Walk
County
Polk
MLS Area
33884 - Winter Haven / Cypress Gardens
Lot Size
8,529 sqft
HOA
$86/mo
Planters Walk HOA

Price history

Date
Event
Price
10/11/2026
Price change
Source: Stellar MLS #L4965243
$294,000-1.7%
$179/sqft
9/22/2026
Listed for sale
Source: Stellar MLS #L4965243
$299,000
$182/sqft

Neighborhood

12 Saint Kitts Cir
Winter Haven, FL, 33884 · 33884 - Winter Haven / Cypress Gardens

Market insights

Offer Insights

Choose an offer strength

List price: $294,000
$292,500 – $294,000
99.5% – 100% of listTops out right at the list price
80% of listList price
224 of the last 357 home closings in 33884 landed at this number or higher (63%). The median one sat 39 days before it went under contract, and this one is on day 26 after a $5,000 cut.

Sample: 357 closed home sales in 33884 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,044/mo
Principal & interest$1,533
Property taxes$277
Insurance$147
HOA$86
Down payment20% · $58,800
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

$294,000

$179 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,639 sq ft

Time on market

26 days

Year built

1993

Monthly payment

About $2,043/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,328 annual tax bill, insurance, and the $86/mo HOA fee.

HOA fee

$86/mo

Managed by Planters Walk HOA.

Flood zone

Zone AE

That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.

Offer

What should I offer?

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Brokered byLA ROSA REALTY PRESTIGEListing agent: Monica Harris PAListing data from Stellar MLS, MLS# L4965243.

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