1101 28TH STREET NW, Winter Haven, FL, 33881
About This Home
Unlock Incredible Income Potential in Winter Haven! This unique property at 1101 28th St NW is the ultimate value-add or "house-hack" opportunity you’ve been waiting for! While public records show a 2/1, the property features a spacious 3-bedroom, 2-bathroom layout, completely optimized with a separate, income-producing apartment unit that is currently rented. Whether you are looking to offset your mortgage by living in one side and renting the other, accommodating multi-generational living, or adding an asset to your portfolio, this property delivers. Sold AS-IS—bring your vision and capitalize on this rare find today!
Getting Around
Car-Dependent
Very Limited Transit
BikeableSchools
Construction
Condition
- Year built: 1950
Materials
- Foundation: Block,Slab
- Roof: Shingle
- Construction materials: Block
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence
Interior
Appliances
- Appliances included: Electric Water Heater,Range
- Laundry features: Inside
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 1
- Full bathrooms: 1
Features
- Ceiling Fan(s),In-Law Floorplan
- Flooring: Ceramic Tile
Heating & Cooling
- Heating features: Central
- Cooling features: Central Air
Interior Area
- Total structure area: 1,200
- Total interior livable area: 968 sqft
Property
Details
- Parcel number: 262819553671002760
- Zoning: R-1
- Special condition: None
Features
- Levels: One
- Stories: 1
- Patio & porch: Front Porch,Patio
- Exterior features: Dog Run
- Fencing: Fenced,Wire
Lot
- Lot size: 7,501 sqft
- Lot size dimensions: 50 x 150
Parking
- Parking features: Driveway
- 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
- Strong Wind
- Hurricane
How This Home’s Risks Compare
FEMA Declared Disasters in Polk County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,016 | $12,192 |
| Home Insurance * | $188 | $2,256 |
| Property Taxes | $120 | $1,440 |
| Electricity | $197 | $2,366 |
| Total | $1,521 | $18,252 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-06-17 | Listed for sale | $200,999 |
| 2026-03-04 | Listing removed | $204,999 |
| 2025-07-30 | Price change | $204,999 |
| 2025-05-26 | Listed for sale | $210,000 |
| 2023-11-13 | Sold | $140,000 |
| 2023-10-30 | Pending sale | $145,000 |
| 2023-10-25 | Listed for sale | $145,000 |
| 2023-10-23 | Pending sale | $145,000 |
| 2023-10-19 | Listed for sale | $145,000 |
| 2023-10-14 | Pending sale | $145,000 |
| 2023-10-11 | Listed for sale | $145,000 |
| 2018-12-28 | Listing removed | $875 |
| 2018-10-21 | Listed for rent | $875 |
| 2018-10-05 | Sold | $74,900 |
| 2018-09-19 | Pending sale | $74,900 |
| 2018-09-06 | Listed for sale | $74,900 |
| 2017-08-26 | Listing removed | $64,000 |
| 2017-08-17 | Pending sale | $64,000 |
| 2017-08-12 | Listed for sale | $64,000 |
| 2017-07-29 | Pending sale | $64,000 |
| 2017-07-20 | Listed for sale | $64,000 |
| 2017-07-09 | Pending sale | $64,000 |
| 2017-06-12 | Listed for sale | $64,000 |
| 2017-06-02 | Pending sale | $64,000 |
| 2017-05-18 | Price change | $64,000 |
| 2017-05-08 | Listed for sale | $69,000 |
| 2010-01-25 | Sold | $28,000 |
| 2003-06-25 | Sold | $72,500 |
| 2000-04-25 | Sold | $48,000 |
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