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Overview

3 bd3 ba3,753 sqftSingle Family
TypeSingle Family
HOANone listed
Built1917
Lot14,405 sqft
Living area3,753 sqft
Price / sqft$87

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About this home

Electric Water Heater

640 Avenue I NW is a 1917-built home in Villa Park OR Stone & Manns, Winter Haven. Inside you'll find 3 bedrooms, 3 bathrooms, and 3,753 square feet of living space. Listed at $325,000 (about $87/sqft), 4 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

GREAT OPPORTUNITY to own this unique property. If you have a strong vision for remodeling and a passion for a project, this is the perfect property for you to restore to it's full potential! The main house and the duplex in the back of the property combine a total of over 3700 sq ft of living. The main house could be your residence while the duplex offers flexibility- ideal as an in-law suite, a rental income, or both. It could even be a place to live while you renovate the main house. The possibilities are endless with this fixer upper. The Location is OUSTANDING: walk to downtown, grocery stores, bus terminal, medical facilities, Hospital, restaurants, and shopping. With the RIGHT vision, this property can be used in a variety of ways and may even generate income to help cover the mortgage while using the main house as your primary residence. Please schedule your showing and contact your lender for information about a reno loan today so you don't miss the chance to own this property!

The essentials

Built
1917
Price / sqft
$87
On market
4 days
Annual tax
$4,513
Flood zone
X · Low risk
Lot
14,405 sqft
Type
Single Family Residence

At a glance

Single family
Built 1917
0.33 acres
Lot size
3,753 sqft
Living area

Payment

Est. monthly payment
$2,234/mo
Down payment (20%)
$65,000
Property taxes
$376/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1917
Lot
14,405 sqft
Cooling
Other
Heating
Other
Parking
-
Days on Market
4
Electric Water Heater
Flood Zone X
Annual Tax (2025)
$4,513
Parcel #
26-28-20-566500-004090

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
Villa Park OR Stone & Manns
County
Polk
MLS Area
33881 - Winter Haven / Florence Villa
Lot Size
14,405 sqft
LandscapedSidewalk

Price history

Date
Event
Price
10/6/2026
Listed for sale
Source: Stellar MLS #P4940086
$325,000
$87/sqft

Neighborhood

640 Avenue I NW
Winter Haven, FL, 33881 · 33881 - Winter Haven / Florence Villa

Market insights

Offer Insights

Choose an offer strength

List price: $325,000
$322,500 – $325,000
99.5% – 100% of listTops out right at the list price
80% of listList price
164 of the last 267 home closings in 33881 landed at this number or higher (61%). The median one sat 42 days before it went under contract, and this one is on day 4.

Sample: 267 closed home sales in 33881 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,234/mo
Principal & interest$1,695
Property taxes$376
Insurance$163
Down payment20% · $65,000
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

$325,000

$87 per sq ft

Beds and baths

3 beds, 3 baths

Size

3,753 sq ft

Time on market

4 days

Year built

1917

Monthly payment

About $2,234/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,513 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 byTOWN & COUNTRY REAL ESTATEListing agent: Lisa DeeseListing data from Stellar MLS, MLS# P4940086.

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