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409 STILLWATER LANE, Haines City, FL, 33844

3beds
2baths
1,655sqft
$280,000
$169price/sqft
$2,139/moest. monthly cost
$85,560/yrincome needed

About This Home

Welcome to 409 Stillwater Lane, Haines City, FL 33844, where modern comfort, convenience, and value come together in one beautiful home! Built in 2019 and situated on an oversized 10,729-square-foot homesite, this move-in-ready 3-bedroom, 2-bathroom home offers 1,655 square feet of thoughtfully designed living space. From the moment you enter, you'll appreciate the bright and open floor plan that creates the perfect setting for everyday living, entertaining guests, and making lasting memories with family and friends. The heart of the home is the beautifully updated kitchen featuring granite countertops, upgraded cabinetry, stainless steel appliances, abundant counter space, and a seamless flow into the spacious dining and living areas. Whether you're preparing weeknight meals or hosting holiday gatherings, this open-concept layout allows everyone to stay connected. Luxury PVC flooring throughout the main living areas adds both style and durability, while comfortable carpeting in the bedrooms provides warmth and comfort. The private owner's suite offers a relaxing retreat with ample space, a walk-in closet, and an en-suite bathroom designed for convenience. Two additional bedrooms provide flexibility for family members, guests, a home office, or hobby space. The split-bedroom floor plan offers added privacy and functionality for today's lifestyle. Step outside and discover one of the home's standout features its generously sized backyard. With over a quarter-acre of property, there is plenty of room for outdoor entertaining, gardening, pets, a future pool, playground equipment, or simply enjoying Florida's beautiful weather year-round. The attached two car garage and extended driveway provide ample parking and storage space. Located within the desirable Orchid Grove area of Haines City, residents enjoy access to resort-style community amenities that may include a clubhouse, swimming pool, fitness center, playground, and dog park, all while benefiting from a low monthly HOA fee of just $64. The community's peaceful atmosphere makes it an excellent choice for families, first-time buyers, and investors alike. Commuters and outdoor enthusiasts will love the prime location. Just minutes from US Highway 27 and Interstate 4, you'll enjoy convenient access to Orlando, Kissimmee, ChampionsGate, Lakeland, and Tampa. Nearby attractions include Walt Disney World Resort, Lake Eva Community Park, Southern Dunes Golf & Country Club, Ridge Island Groves, shopping centers, restaurants, medical facilities, and everyday conveniences. Families will appreciate access to Polk County schools, including Sandhill Elementary, Citrus Ridge: A Civics Academy, and Ridge Community High School. Whether you're searching for your first home, looking to downsize, or seeking a smart investment opportunity in one of Central Florida's fastest-growing areas, 409 Stillwater Lane delivers the perfect combination of location, modern features, community amenities, and exceptional value. Schedule your private showing today and discover why so many buyers are choosing to call Haines City home.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

2/10
3/10
Haines City Senior High SchoolGrades PK,9-121.5 mi

Construction

Condition

  • Year built: 2019

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block,Stucco

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Microwave,Range,Refrigerator
  • Laundry features: Inside

Bathroom2

  • Level: First
  • Area: 40.42
  • Dimensions: 8.6x4.7

Bedroom2

  • Features: Built-in Closet
  • Level: First
  • Area: 134.07
  • Dimensions: 12.3x10.9

Bedroom3

  • Features: Built-in Closet
  • Level: First
  • Area: 130.788
  • Dimensions: 12.11x10.8

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • High Ceilings,Kitchen/Family Room Combo,Open Floorplan,Primary Bedroom Main Floor,Solid Surface Counters,Solid Wood Cabinets,Walk-In Closet(s)
  • Door features: Sliding Doors
  • Flooring: Luxury Vinyl

Foyer

  • Level: First
  • Area: 57.9921
  • Dimensions: 4.11x14.11

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,095
  • Total interior livable area: 1,655 sqft

Kitchen

  • Level: First
  • Area: 152
  • Dimensions: 15.2x10

Laundry

  • Level: First
  • Area: 42.21
  • Dimensions: 6.7x6.3

Living Room

  • Level: First
  • Area: 328.162
  • Dimensions: 23.11x14.2

Primary Bathroom

  • Level: First
  • Area: 62.4
  • Dimensions: 7.8x8

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 176.806
  • Dimensions: 12.11x14.6

Property

Details

  • Parcel number: 272726758511000860
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio
  • Exterior features: Sidewalk
  • Residential vegetation: Mature Landscaping

Lot

  • Lot size: 10,729 sqft
  • Features: In County,Sidewalk

Parking

  • Total spaces: 2
  • Parking features: Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Hurricane
    HurricaneModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Hurricane
Wildfire

FEMA Declared Disasters in Polk County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,415$16,980
Home Insurance *$194$2,328
Property Taxes $333$3,996
Electricity $197$2,366
Total$2,139$25,668
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$73,337/yr
40% on housing$64,170/yr
45% on housing$57,040/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.8%
11.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 6.0%
6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$169This listing

vs Other Active Listings

Avg $/sqft

ZIP 33844$127
Polk County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 33844$169
Polk County$179

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-08-07Price change$269,900
2026-07-13Price change$280,000
2026-06-19Listed for sale$285,000
2021-05-12Listing removed--
2021-04-28Listed for rent$1,545

For Sale by Agent

AgentJosue Soto
BrokerageEXP REALTY LLC

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