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Overview

4 bd3 ba1,879 sqft2 car garageSingle Family
TypeSingle Family
HOA$78/mo
Built2024
Lot4,587 sqft
Living area1,879 sqft
Price / sqft$162
Garage2 car

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

About this home

Open FloorplanPest Guard SystemPrimarybedroom UpstairsThermostatWalk-in Closet(s)SidewalkPlaygroundPool

981 Harold Pass is a 2024-built home in Peace Crk Reserve, Winter Haven. Inside you'll find 4 bedrooms, 3 bathrooms, and 1,879 square feet of living space. Listed at $305,000 (about $162/sqft), 73 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $78 monthly.

From the listing

Welcome to 981 Harold Pass, a beautifully designed 4-bedroom, 2.5-bath home offering the perfect blend of style, space, and comfort. The open-concept floor plan features a spacious kitchen with a large center island, abundant cabinetry, a generous pantry, and seamless flow into the dining and living areas. Sliding glass doors lead to a covered lanai, perfect for enjoying Florida living. Upstairs, the private owner's suite features a walk-in closet, dual vanities, and a walk-in shower, along with three additional bedrooms, a versatile loft, and a conveniently located laundry room. Currently tenant-occupied, this property presents an excellent opportunity for investors looking to generate immediate rental income. Conveniently located in Peace Creek Reserve with easy access to shopping, dining, schools, and everything Winter Haven has to give Schedule your private showing today and discover the potential this exceptional property has to bring!

The essentials

Built
2024
Price / sqft
$162
On market
73 days
Annual tax
$6,828
HOA
$78/mo
Flood zone
X · Low risk
Lot
4,587 sqft
Type
Single Family Residence

At a glance

Single family
Built 2024
Community pool
Shared amenity
2 car garage
4,587 sqft lot
Lot size
1,879 sqft
Living area

Payment

Est. monthly payment
$2,391/mo
Down payment (20%)
$61,000
Property taxes
$569/mo
HOA
$78/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2024
Lot
4,587 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
73
Open Floorplan
Pest Guard System
Primarybedroom Upstairs
Thermostat
Walk-in Closet(s)
Sidewalk
Playground
Pool
Street Lights
Convection Oven
Cooktop
Dishwasher
Dryer
Microwave
Range
Washer
Elementary
Wahneta Elem
Middle
Westwood Middle
High
Lake Region High

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

In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$6,828
Parcel #
26-29-36-692300-002880

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
Peace Crk Reserve
County
Polk
MLS Area
33884 - Winter Haven / Cypress Gardens
Lot Size
4,587 sqft
HOA
$78/mo
Castle Group/Sarah Guzman

Price history

Date
Event
Price
7/30/2026
Listed for sale
Source: Stellar MLS #O6429236
$305,000
$162/sqft

Neighborhood

981 Harold Pass
Winter Haven, FL, 33884 · 33884 - Winter Haven / Cypress Gardens

Market insights

Offer Insights

Choose an offer strength

List price: $305,000
$302,500 – $305,000
99.5% – 100% of listTops out right at the list price
80% of listList price
220 of the last 349 home closings in 33884 landed at this number or higher (63%). The median one sat 38 days before it went under contract, and this one is on day 73.

Sample: 349 closed home sales in 33884 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,390/mo
Principal & interest$1,591
Property taxes$569
Insurance$153
HOA$78
Down payment20% · $61,000
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 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.

Quick answers.

Price

$305,000

$162 per sq ft

Beds and baths

4 beds, 3 baths

Size

1,879 sq ft

Time on market

73 days

Year built

2024

Monthly payment

About $2,391/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,828 annual tax bill, insurance, and the $78/mo HOA fee.

HOA fee

$78/mo

Managed by Castle Group/Sarah Guzman.

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 byGLASSTONE GROUP INCListing agent: Ashley PortoListing data from Stellar MLS, MLS# O6429236.

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