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900 AVENUE Z SE #A1, Winter Haven, FL, 33880

2beds
1baths
840sqft
$124,900
$149price/sqft
$1,021/moest. monthly cost
$40,840/yrincome needed

About This Home

Virtually Staged. Downstairs, corner unit condo conveniently located within a well-maintained waterfront community in Winter Haven, this affordable condo offers comfortable, low-maintenance living just minutes from shopping, dining, medical facilities, and the area's renowned Chain of Lakes. Ground-floor, furnished condo in Sandy Cove, a lakefront community on the beautiful Winter Haven Chain of Lakes. This furnished 2-bedroom, 1-bath unit offers low-maintenance living that’s ideal for full-time residents, seasonal owners, retirees, or anyone seeking a convenient Florida lifestyle. The layout offers comfortable living with a spacious great room featuring laminate flooring, a ceiling fan, and sliding doors leading to the enclosed Florida room. The adjacent dining space is cozy and ideal for entertaining or quiet nights in. The kitchen is complete with quartz countertops, included appliances, and a stackable washer and dryer. The unit also features double-pane windows for improved energy efficiency, comfort, and noise reduction. The primary bedroom is generously sized and features a ceiling fan, walk-in closet, and direct access to the bathroom. The guest bedroom is also comfortably sized with a built-in closet, ceiling fan, and en-suite-style bathroom access. The bathroom has been updated with an upgraded vanity, solid-surface countertop, and walk-in shower. Enjoy outdoor living from the enclosed Florida room with screens and vinyl windows, perfect for relaxing or entertaining year-round. This ground-floor unit is ideally positioned just steps from the community clubhouse, grill area, and heated pool maintained at approximately 85 degrees for year-round enjoyment. Sandy Cove also offers a community dock on Lake Lulu, one of twenty+ lakes on the Winter Haven Chain, providing a peaceful setting to unwind, enjoy waterfront views, and take in beautiful Florida sunsets. HOA covers water, trash, sewer and all outside maintenance for worry-free living. Residents enjoy the relaxed lifestyle that makes Winter Haven so desirable, including boating, fishing, lakeside dining, golf courses, walking paths, and year-round community events. Conveniently located near everyday essentials and recreation, the condo is just minutes from Publix Super Markets, CVS Pharmacy, restaurants, banks, medical offices, and Walmart shopping. Nearby public boat access on Lake Summit makes it easy to enjoy the Chain of Lakes lifestyle, while several local golf courses are only a short drive away. The location also provides convenient access to both Orlando and ,making this an excellent choice for easy, low-maintenance Central Florida living.

Getting Around

26
WalkingCar-Dependent
0
TransitVery Limited Transit
37
BikeSomewhat Bikeable

Schools

4/10
3/10
Denison Middle SchoolGrades 6-81.7 mi
3/10

Construction

Condition

  • Property condition: Completed
  • Year built: 1974

Materials

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

Type & Style

  • Home type: Condo
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dryer,Range,Refrigerator,Washer
  • Laundry features: Inside,Laundry Closet

Balcony Porch Lanai

  • Level: First
  • Area: 32
  • Dimensions: 4x8

Bathroom1

  • Features: Shower No Tub
  • Level: First
  • Area: 40
  • Dimensions: 5x8

Bedroom2

  • Features: Built-in Closet
  • Level: First
  • Area: 110
  • Dimensions: 10x11

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dinette

  • Level: First
  • Area: 77
  • Dimensions: 7x11

Features

  • Ceiling Fan(s),Walk-In Closet(s)
  • Door features: Sliding Doors
  • Flooring: Ceramic Tile,Laminate
  • Common walls with other units/homes: Corner Unit,End Unit

Great Room

  • Level: First
  • Area: 121
  • Dimensions: 11x11

Heating & Cooling

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

Interior Area

  • Total structure area: 960
  • Total interior livable area: 840 sqft

Kitchen

  • Level: First
  • Area: 56
  • Dimensions: 7x8

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 120
  • Dimensions: 10x12

Property

Details

  • Parcel number: 262904664010011010
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Pool features: Gunite,Heated
  • Patio & porch: Rear Porch
  • Exterior features: Sidewalk
  • Has view: Yes
  • View description: Pool
  • On waterfront: Yes
  • Waterfront features: Waterfront,Fishing Pier

Lot

  • Features: City Lot

Parking

  • Parking features: Assigned,Guest

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

How This Home’s Risks Compare

Lightning
Strong Wind
Hurricane

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 $631$7,572
Home Insurance *$118$1,416
Property Taxes $75$900
Electricity $197$2,366
Total$1,021$12,252
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$35,005/yr
40% on housing$30,630/yr
45% on housing$27,226/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

$149This listing

vs Other Active Listings

Avg $/sqft

ZIP 33880$117
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)

No zestimate history available

Price History

DateEventPrice
2026-08-17Pending sale$124,900
2026-06-16Price change$124,900
2026-05-10Listed for sale$135,000

For Sale by Agent

AgentMichael Stone
BrokerageTHE STONES REAL ESTATE FIRM

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