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21 Key West Ave, Winter Haven, FL, 33880

2beds
2baths
0sqft
$99,990
--price/sqft
$857/moest. monthly cost
$34,280/yrincome needed

About This Home

A Must See well-maintained 2 Bedroom / 2 Bath - 2025 Build in Shipp Reck 55+ Community. Welcome to easy Florida living in the desirable Shipp Reck community in Winter Haven, Florida. This beautiful 2025-built home with only one owner features 2 bedrooms and 2 bathrooms and comes fully furnished making it move-in ready, the perfect seasonal getaway or full-time residence. Step inside to an open floor plan with a spacious family room that flows seamlessly into the eat-in kitchen featuring a breakfast bar for additional seating, creating a bright and comfortable living space ideal for relaxing or entertaining. The primary bedroom includes a private en-suite bath, while the guest bedroom offers plenty of room for visitors. The home also features an indoor laundry area with cabinets, conveniently located for easy access and additional storage. Throughout the home, you will find no carpet, making cleaning and maintenance a breeze. Outside, enjoy added privacy with no rear neighbors and an extra-long driveway that accommodates multiple vehicles. Utilize the oversized attached shed for storage. Located in the gated 55+ Shipp Reck community, directly across from a beautiful park on Lake Shipp, enjoy great bass fishing, a public boat launch, picnic areas, and a playground. Residents of Shipp Reck have many actives and amenities for enjoyment. Community amenities include: Lakeside swimming pool, Barbecue picnic area, and Shuffleboard. Shipp Reck is a Pet-friendly community. This peaceful lakefront setting offers resort-style living while still being close to shopping, restaurants, medical facilities, and Central Florida attractions. Don't miss the opportunity to own a fully furnished home in one of Winter Haven's most desirable 55+ communities. Make this your next move! You won't be disappointed! Call today to schedule your private showing! All listing information is deemed reliable but not guaranteed and should be independently verified through personal inspection by appropriate professionals. Our company does not and cannot guarantee or warrant the accuracy of this information or the condition of this property. Measurements are approximate. The buyer assumes full responsibility for obtaining all current rates of lot rent, fees, and pass-on costs. Additionally, the buyer is responsible for obtaining all rules, regulations, pet policies, etc., associated with the community, park, or home from the community/park manager. Our company is not responsible for quoting said fees or policies. Financing is available through 3rd party lenders. The sales price does not include tax, dealer fees, or administrative fees. Please contact the sales agent for additional information.

Getting Around

15
WalkingCar-Dependent
0
TransitVery Limited Transit
29
BikeSomewhat Bikeable

Schools

1/10
4/10
Westwood Middle SchoolGrades 6-82.5 mi
2/10
Lake Region High SchoolGrades 9-121.4 mi

Construction

Condition

  • Year built: 2025

Materials

  • Roof: Asphalt
  • Construction materials: Vinyl Siding

Type & Style

  • Home type: MobileManufactured
  • Property subType: Manufactured Home

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Refrigerator,Oven,Washer,Water Heater

Basement

  • Area: 0

Bedrooms & Bathrooms

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

Features

  • Finished area above ground: 0

Heating & Cooling

  • Heating features: Electric,Forced Air
  • Cooling features: Central

Interior Area

  • Total structure area: 0

Kitchen

  • Features: Open,Laminate Counters

Property

Details

  • On leased land: Yes
  • Lease amount: 525

Features

  • Patio & porch: Patio
  • Exterior features: Sprinkler System,Utilities
  • Has view: Yes
  • View description: Street

Parking

  • Parking features: Driveway
  • Has uncovered spaces: Yes
  • Carport: 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

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High

How This Home’s Risks Compare

Hurricane
Lightning
Strong Wind

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 $505$6,060
Home Insurance *$95$1,140
Property Taxes $60$720
Electricity $197$2,366
Total$857$10,284
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$29,382/yr
40% on housing$25,710/yr
45% on housing$22,853/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

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 33880$118
Polk County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 33880$179
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
2026-05-01Price change$118,900
2026-03-16Listed for sale$120,000
2025-10-02Sold$100,000
2025-10-02Contingent$100,000
2025-08-28Price change$100,000
2025-08-09Price change$130,000
2025-08-02Listed for sale$140,000

For Sale by Agent

AgentLinda Wilson
BrokerageSunset Home Sales

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