409 21st St SW, photo 1
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Overview

4 bd1 ba2,322 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1926
Lot17,263 sqft
Living area2,322 sqft
Price / sqft$237
Garage2 car

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

About this home

Ceiling Fans(s)Crown MoldingEat-in KitchenHigh CeilingsLiving Room/Dining Room ComboVaulted Ceiling(s)Walk-in Closet(s)Window Treatments

409 21st St SW is a 1926-built home in West Winter Haven, Winter Haven. Inside you'll find 4 bedrooms, 1 bathrooms, and 2,322 square feet of living space. Listed at $550,000 (about $237/sqft), 149 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

Stunning 2 story 3 bath Spanish home with attention to details. This home has been renovated, roof was complete in 2019, painted inside and out in 2020, new A/C in 2023, electric and plumbing and the sprinkler system in 2023. Upon entering into the family room, you will immediately notice the vaulted beam ceilng along with the 20foot high fireplace. There are built-ins and bookcases throughout the home. Walking up into the kitchen, there is granite throughout and stainless steel appliances, along with a breakfast nook. There is a beautiful flooring throughout the home. On the first floor, there is another sitting room,along with a bedroom and a additional renovated full bath. On the second floor, it provides the laundry room and two more bedrooms and two full bathrooms that have been tastefully renovated. Going outside, there is convered area where you can relax and the property is completely fenced in. Another great feature is a detached studio that has been

The essentials

Built
1926
Price / sqft
$237
On market
149 days
Annual tax
$5,112
Flood zone
X · Low risk
Lot
17,263 sqft
Type
Single Family Residence

At a glance

Single family
Built 1926
2 car garage
0.40 acres
Lot size
2,322 sqft
Living area

Payment

Est. monthly payment
$3,569/mo
Down payment (20%)
$110,000
Property taxes
$426/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1926
Lot
17,263 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
149
Ceiling Fans(s)
Crown Molding
Eat-in Kitchen
High Ceilings
Living Room/Dining Room Combo
Vaulted Ceiling(s)
Walk-in Closet(s)
Window Treatments
French Doors
Storage
Street Lights
Dishwasher
Electric Water Heater
Range
Refrigerator
Flood Zone X
Annual Tax (2025)
$5,112
Parcel #
26-28-30-636010-038010

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
West Winter Haven
County
Polk
MLS Area
33880 - Winter Haven/Eloise/JPV/Wahnetta
Lot Size
17,263 sqft

Price history

Date
Event
Price
5/14/2026
Listed for sale
Source: Stellar MLS #P4938761
$550,000
$237/sqft

Neighborhood

409 21st St SW
Winter Haven, FL, 33880 · 33880 - Winter Haven/Eloise/JPV/Wahnetta

Market insights

Offer Insights

Choose an offer strength

List price: $550,000
$545,000 – $550,000
99.5% – 100% of listTops out right at the list price
80% of listList price
114 of the last 195 home closings in 33880 landed at this number or higher (58%). The median one sat 40 days before it went under contract, and this one is on day 149.

Sample: 195 closed home sales in 33880 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$3,569/mo
Principal & interest$2,868
Property taxes$426
Insurance$275
Down payment20% · $110,000
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%. 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

$550,000

$237 per sq ft

Beds and baths

4 beds, 1 baths

Size

2,322 sq ft

Time on market

149 days

Year built

1926

Monthly payment

About $3,569/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,112 annual tax bill, insurance.

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 byCOLDWELL BANKER REALTYListing agent: Joni ReiterListing data from Stellar MLS, MLS# P4938761.

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