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1213 8th St NW, Winter Haven, FL, 33881

2beds
2baths
972sqft
$189,000
$194price/sqft
$1,653/moest. monthly cost
$66,120/yrincome needed

About This Home

Beautiful, well-cared-for 2BR/2BA villa in a maintenance-free 55+ community — ready for a new owner. Single-level, move-in ready home with a bright, open floorplan, remodeled kitchen and stainless steel appliances. Durable LVP flooring (2021) throughout the main living areas and new carpet in the bedrooms. Laundry includes washer/dryer 2021; refrigerator 2025. Security system installed. Major recent system and structural upgrades for worry-free ownership: HVAC 2023; 40-gal water heater 2023; PEX water lines 2024; new carport roof 2024; new power panel & upgraded wiring 2021; attic insulation & interior paint 2021. Ease of living: Enjoy true low-maintenance, single-level living with HOA exterior care, easy parking under the new carport roof, and modern systems that minimize upkeep and unexpected expenses. The thoughtful updates and security system provide peace of mind and allow you to spend more time enjoying community amenities, nearby lakes, dining, and shopping rather than home maintenance. Location and lifestyle: Conveniently close to Publix, dining, and scenic lakes — ideal for active adults seeking convenience and leisure.

Getting Around

52
WalkingSomewhat Walkable
0
TransitVery Limited Transit
50
BikeBikeable

Schools

3/10
Inwood Elementary SchoolGrades PK-51.2 mi
4/10
Westwood Middle SchoolGrades 6-82.1 mi
3/10

Construction

Condition

  • Year built: 1964

Materials

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

Type & Style

  • Home type: SingleFamily
  • Property subType: Villa

Interior

Appliances

  • Appliances included: Convection Oven,Dishwasher,Dryer,Refrigerator,Washer
  • Laundry features: Laundry Closet,Outside

Bathroom2

  • Level: First

Bedroom2

  • Features: Built-in Closet
  • Level: First

Bedrooms & Bathrooms

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

Features

  • Thermostat
  • Flooring: Tile

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 972
  • Total interior livable area: 972 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bathroom

  • Level: First

Primary Bedroom

  • Features: Built-in Closet
  • Level: First

Property

Details

  • Parcel number: 262820570300012130
  • Zoning: R-3
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Private Mailbox,Sidewalk

Lot

  • Lot size: 5,018 sqft
  • Lot size dimensions: 50 x

Parking

  • Total spaces: 1
  • Parking features: Carport
  • Covered spaces: 1
  • Carport: Yes
  • Carport spaces: 1

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

  • Strong Wind
    Strong WindVery High
  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoModerate

How This Home’s Risks Compare

Strong Wind
Hurricane
Lightning
Tornado

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 $955$11,460
Home Insurance *$176$2,112
Property Taxes $325$3,900
Electricity $197$2,366
Total$1,653$19,836
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$56,674/yr
40% on housing$49,590/yr
45% on housing$44,080/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

$194This listing

vs Other Active Listings

Avg $/sqft

ZIP 33881$88
Polk County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 33881$165
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
2026-04-25Listed for sale$199,900
2026-03-14Listing removed$210,000
2025-09-28Listed for sale$210,000
2020-12-14Sold$60,000
2020-10-24Pending sale$89,900
2020-10-16Listed for sale$89,900
2013-10-31Sold$50,000
2012-11-17Listed for sale$59,900

For Sale by Agent

AgentHolly Patterson
BrokerageKELLER WILLIAMS REALTY SMART

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