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Overview

4 bd2 ba1,867 sqft2 car garageSingle Family
TypeSingle Family
HOA$154/yr
Built2020
Lot5,506 sqft
Living area1,867 sqft
Price / sqft$155
Garage2 car

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

About this home

Ceiling Fans(s)Eat-in KitchenLiving Room/Dining Room ComboOpen FloorplanRain GuttersDishwasherMicrowaveRange

664 Tortugas St is a 2020-built home in Orchid Terrace Ph 1, Haines City. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,867 square feet of living space. Listed at $289,995 (about $155/sqft), 27 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $154 annually.

From the listing

Assumable mortgage, interest rate 2.5% also Seller is offering up to $4,000 toward buyer's closing costs and prepaid expenses with an acceptable offer. Built in 2020, this well-maintained 4-bedroom, 2-bath home offers approximately 1,867 sq. ft. of comfortable single-story living with a bright, open-concept floor plan. The kitchen features granite countertops, stainless steel appliances, ample cabinetry and a large center island overlooking the spacious living and dining areas. Ceramic tile throughout the main living areas provides style and easy maintenance. The primary suite features a private bath with dual sinks, walk-in shower and generous vanity space. Additional conveniences include a dedicated laundry room and attached 2-car garage. Outside, enjoy a fully fenced backyard and expansive concrete patio, providing plenty of space for entertaining and outdoor activities. The property is equipped with an impressive 34-panel solar system for added energy efficiency. Solar panels are financed with an approximate balance of $14,954 to be assumed by buyer, subject to solar lender approval and transfer requirements, current monthly payment $84.16. Conveniently located near US-27, shopping, dining and major Central Florida roadways. Schedule your private showing today!

The essentials

Built
2020
Price / sqft
$155
On market
27 days
Annual tax
$6,924
HOA
$154/yr
Flood zone
X · Low risk
Lot
5,506 sqft
Type
Single Family Residence

At a glance

Single family
Built 2020
2 car garage
5,506 sqft lot
Lot size
1,867 sqft
Living area

Payment

Est. monthly payment
$2,247/mo
Down payment (20%)
$57,999
Property taxes
$577/mo
HOA
$154/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2020
Lot
5,506 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
27
Ceiling Fans(s)
Eat-in Kitchen
Living Room/Dining Room Combo
Open Floorplan
Rain Gutters
Dishwasher
Microwave
Range
Refrigerator
In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$6,924
Parcel #
27-27-08-727508-002490

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
Orchid Terrace Ph 1
County
Polk
MLS Area
33844 - Haines City/Grenelefe
Lot Size
5,506 sqft
HOA
$154/yr
Orchid Terrace/ Eric Moscow

Price history

Date
Event
Price
10/6/2026
Price change
Source: Stellar MLS #P4939886
$289,995-4.9%
$155/sqft
9/14/2026
Listed for sale
Source: Stellar MLS #P4939886
$305,000
$163/sqft

Neighborhood

664 Tortugas St
Haines City, FL, 33844 · 33844 - Haines City/Grenelefe

Market insights

Offer Insights

Choose an offer strength

List price: $289,995
$287,500 – $289,995
99.5% – 100% of listTops out right at the list price
80% of listList price
373 of the last 555 home closings in 33844 landed at this number or higher (67%). The median one sat 46 days before it went under contract, and this one is on day 27 after a $15,005 cut.

Sample: 555 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
$2,247/mo
Principal & interest$1,512
Property taxes$577
Insurance$145
HOA$13
Down payment20% · $57,999
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

$289,995

$155 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,867 sq ft

Time on market

27 days

Year built

2020

Monthly payment

About $2,247/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $6,924 annual tax bill, insurance, and the $154/yr HOA fee.

HOA fee

$154/yr

Managed by Orchid Terrace/ Eric Moscow.

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 byCHARLES RUTENBERG REALTY ORLANDOListing agent: Carmen MontesListing data from Stellar MLS, MLS# P4939886.

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