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Overview

4 bd3 ba1,940 sqft2 car garageSingle Family
TypeSingle Family
HOA$222.08/qtr
Built2003
Lot6,486 sqft
Living area1,940 sqft
Price / sqft$160
Garage2 car

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

About this home

Ceiling Fans(s)High CeilingsKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main FloorSplit BedroomThermostatWalk-in Closet(s)

3122 Montserrat Way is a 2003-built home in Southern Dunes / Kokomo Bay Ph 01, Haines City. Inside you'll find 4 bedrooms, 3 bathrooms, and 1,940 square feet of living space. Listed at $310,000 (about $160/sqft), 76 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $222.08 quarterly.

From the listing

**PRICE ADJUSTMENT & HOME WARRANTY** Amazing value! Don't miss out on this attractive 4-bedroom, 3-bath pool home in the gated, golf course community of Southern Dunes in Haines City. A generous living and dining room opens into a bright kitchen and dinette that flows straight out to the screened lanai and pool — easy living, indoors and out. The split floor of the Cape San Blas model gives everyone genuine privacy, and the spacious primary suite offers a separate shower and garden tub, a large walk-in closet, plus a dedicated owner's closet. Pride of ownership shows throughout: AC and pool heater both approximately 2019, and solar panels that may transfer to the new buyer for real savings on utilities. Southern Dunes is a master-planned community known for its outstanding amenities, centred around a championship 18-hole golf course with a floodlit driving range at the clubhouse. The golf course clubhouse is open to non-members and features a great restaurant serving hot meals and weekend brunch, along with evening activities such as trivia and bingo — a real hub of community life. Residents also enjoy resort-style pools, tennis courts, and a fitness center, all within a secure gated community. The location is equally impressive, with easy access to the Disney corridor as well as nearby shopping, dining favorites such as Manny's Chophouse, medical facilities, and local gyms. Picturesque Winter Haven is just a short drive away, and Tampa, Lakeland, and Orlando International Airport are all within easy reach. This is an exceptional opportunity to own a well-appointed home in a prime location that continues to attract both homeowners and investors alike.

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The essentials

Built
2003
Price / sqft
$160
On market
76 days
Annual tax
$4,240
HOA
$222.08/qtr
Flood zone
X · Low risk
Lot
6,486 sqft
Type
Single Family Residence

At a glance

Single family
Built 2003
Private pool
Gunite
2 car garage
Garage Door Opener
6,486 sqft lot
Lot size
1,940 sqft
Living area

Payment

Est. monthly payment
$2,199/mo
Down payment (20%)
$62,000
Property taxes
$353/mo
HOA
$222.08/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2003
Lot
6,486 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Garage Door Opener
Pool
Gunite, In Ground, Screen Enclosure
Days on Market
76
Ceiling Fans(s)
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Split Bedroom
Thermostat
Walk-in Closet(s)
Window Treatments
Lighting
Clubhouse
Fitness Center
Gated Community - Guard
Golf Carts OK
Golf
Playground
Pool
Restaurant
Tennis Court(s)
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,240
Parcel #
27-27-17-741003-001090

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
Southern Dunes / Kokomo Bay Ph 01
County
Polk
MLS Area
33844 - Haines City/Grenelefe
Lot Size
6,486 sqft
LandscapedPaved
HOA
$222.08/qtr
Don Asher & Associates, Diane Martinez

Price history

Date
Event
Price
10/6/2026
Price change
Source: Stellar MLS #S5154828
$310,000-4.6%
$160/sqft
-
Price change
Source: Stellar MLS #S5154828
$325,000-8.5%
$168/sqft
8/3/2026
Listed for sale
Source: Stellar MLS #S5154828
$355,000
$183/sqft

Neighborhood

3122 Montserrat Way
Haines City, FL, 33844 · 33844 - Haines City/Grenelefe

Market insights

Offer Insights

Choose an offer strength

List price: $310,000
$307,500 – $310,000
99.5% – 100% of listTops out right at the list price
80% of listList price
370 of the last 553 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 76 after a $45,000 cut.

Sample: 553 closed home sales in 33844 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,199/mo
Principal & interest$1,617
Property taxes$353
Insurance$155
HOA$74
Down payment20% · $62,000
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

$310,000

$160 per sq ft

Beds and baths

4 beds, 3 baths

Size

1,940 sq ft

Time on market

76 days

Year built

2003

Monthly payment

About $2,199/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,240 annual tax bill, insurance, and the $222.08/qtr HOA fee.

HOA fee

$222.08/qtr

Managed by Don Asher & Associates, Diane Martinez.

Flood zone

Zone X

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

Offer

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Have another question?

Brokered byCOLDWELL BANKER REALTYListing agent: Nikki AnsonsListing data from Stellar MLS, MLS# S5154828.

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