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Overview

5 bd3 ba2,211 sqft2 car garageSingle Family
TypeSingle Family
HOA$142/mo
Built2023
Lot7,126 sqft
Living area2,211 sqft
Price / sqft$156
Garage2 car

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

About this home

Eat-in KitchenOpen FloorplanPrimarybedroom UpstairsSolid Surface CountersThermostatWalk-in Closet(s)Window TreatmentsLighting

1603 Gardiner St is a 2023-built home in Tarpon Bay Ph 2, Haines City. Inside you'll find 5 bedrooms, 3 bathrooms, and 2,211 square feet of living space. Listed at $345,000 (about $156/sqft), 631 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $142 monthly.

From the listing

Short Sale. **Short Sale Opportunity – Investor & Cash Buyers** Price reduced on this spacious 5-bedroom, 3-bathroom home offering strong value and excellent upside potential. Featuring a functional open layout, generous living areas, and energy-saving solar panels with assumable solar loan payments that may help reduce utility costs. Located near schools, shopping, dining, and major highways, this property offers convenience and long-term appeal for homeowners or investors alike. **Short sale subject to lender approval.** Buyer should allow additional time for third-party approval. Cash buyers and strong conventional financing preferred. All offers must include proof of funds or lender pre-approval. Excellent opportunity to secure a large home at a competitive price with built-in value potential. **No appliances will convey with the sale.**

The essentials

Built
2023
Price / sqft
$156
On market
631 days
Annual tax
$5,908
HOA
$142/mo
Flood zone
X · Low risk
Lot
7,126 sqft
Type
Single Family Residence

At a glance

Single family
Built 2023
Community pool
Shared amenity
2 car garage
Driveway
7,126 sqft lot
Lot size
2,211 sqft
Living area

Payment

Est. monthly payment
$2,606/mo
Down payment (20%)
$69,000
Property taxes
$492/mo
HOA
$142/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2023
Lot
7,126 sqft
Cooling
Central Air
Heating
Electric
Parking
Driveway
Days on Market
631
Eat-in Kitchen
Open Floorplan
Primarybedroom Upstairs
Solid Surface Counters
Thermostat
Walk-in Closet(s)
Window Treatments
Lighting
Sidewalk
Pool
Street Lights
Dishwasher
Dryer
Microwave
Range
Range Hood
Refrigerator
Washer
Elementary
Sandhill Elem
High
Haines City Senior High

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

Flood Zone X
Annual Tax (2024)
$5,908
Parcel #
27-27-34-810533-001830

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
Tarpon Bay Ph 2
County
Polk
MLS Area
33844 - Haines City/Grenelefe
Lot Size
7,126 sqft
In CountyNear Public TransitSidewalkPaved
HOA
$142/mo
Tarpon Bay Homeowners Association / Nasiba Cassidy

Price history

Date
Event
Price
5/12/2026
Price change
Source: Stellar MLS #O6273558
$345,000-4.2%
$156/sqft
-
Price change
Source: Stellar MLS #O6273558
$360,000-9.7%
$163/sqft
1/23/2025
Listed for sale
Source: Stellar MLS #O6273558
$398,500
$180/sqft

Neighborhood

1603 Gardiner St
Haines City, FL, 33844 · 33844 - Haines City/Grenelefe

Market insights

Offer Insights

Choose an offer strength

List price: $345,000
$342,500 – $345,000
99.5% – 100% of listTops out right at the list price
80% of listList price
375 of the last 554 home closings in 33844 landed at this number or higher (68%). The median one sat 46 days before it went under contract, and this one is on day 631 after a $53,500 cut.

Sample: 554 closed home sales in 33844 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,606/mo
Principal & interest$1,799
Property taxes$492
Insurance$173
HOA$142
Down payment20% · $69,000
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

$345,000

$156 per sq ft

Beds and baths

5 beds, 3 baths

Size

2,211 sq ft

Time on market

631 days

Year built

2023

Monthly payment

About $2,606/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,908 annual tax bill, insurance, and the $142/mo HOA fee.

HOA fee

$142/mo

Managed by Tarpon Bay Homeowners Association / Nasiba Cassidy.

Flood zone

Zone X

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

Offer

What should I offer?

Have another question?

Brokered byEXP REALTY LLCListing agent: Shannelle LopezListing data from Stellar MLS, MLS# O6273558.

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