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221 Avenue L NE, Winter Haven, FL, 33881

3beds
3baths
1,000sqft
$226,000
$226price/sqft
$1,903/moest. monthly cost
$76,120/yrincome needed

About This Home

Cozy 3-Bed, 3-Bath Home Near Downtown Winter Haven Welcome to your next chapter in the heart of Winter Haven. This warm and inviting 3-bedroom, 3-bathroom home offers the perfect blend of comfort, convenience, and Florida charm. Just minutes from downtown, you’ll enjoy easy access to local shops, dining, parks, and community events while still coming home to a peaceful, cozy retreat. Step inside to discover a spacious layout designed for both relaxation and connection. Whether you’re hosting gatherings or enjoying quiet evenings in, this home offers plenty of room for your family to grow and make memories. One of the standout perks of this location is the proximity to beautiful Lake Silver. Spend your weekends enjoying water sports, lakeside strolls, or taking in the festive fireworks that light up the sky throughout the year. It’s a lifestyle that blends everyday comfort with a touch of lakeside magic. This home is ready to welcome its new family with open arms—and plenty of space.

Getting Around

61
WalkingSomewhat Walkable
0
TransitVery Limited Transit
55
BikeBikeable

Schools

5/10
3/10
Denison Middle SchoolGrades 6-81.0 mi
3/10

Construction

Condition

  • Year built: 1948

Materials

  • Foundation: Crawlspace
  • Roof: Metal
  • Construction materials: Stucco

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator
  • Laundry features: Inside,Laundry Room

Bedroom2

  • Features: Ceiling Fan(s),Built-in Closet
  • Level: First
  • Area: 121
  • Dimensions: 11x11

Bedroom3

  • Features: Ceiling Fan(s),Built-in Closet
  • Level: First
  • Area: 150
  • Dimensions: 10x15

Bedrooms & Bathrooms

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

Den

  • Level: First
  • Area: 63
  • Dimensions: 7x9

Features

  • Ceiling Fan(s),Kitchen/Family Room Combo,Open Floorplan,Primary Bedroom Main Floor,Thermostat
  • Flooring: Laminate,Tile

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,452
  • Total interior livable area: 1,000 sqft

Kitchen

  • Level: First
  • Area: 99
  • Dimensions: 9x11

Living Room

  • Features: Ceiling Fan(s)
  • Level: First
  • Area: 264
  • Dimensions: 24x11

Primary Bedroom

  • Features: Ceiling Fan(s),Built-in Closet
  • Level: First
  • Area: 187
  • Dimensions: 17x11

Property

Details

  • Parcel number: 262821574000000090
  • Zoning: R-3
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Fire Pit,Garden,Private Entrance
  • Waterbody name: LAKE SILVA

Lot

  • Lot size: 5,001 sqft

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 $1,142$13,704
Home Insurance *$211$2,532
Property Taxes $353$4,236
Electricity $197$2,366
Total$1,903$22,836
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$65,245/yr
40% on housing$57,090/yr
45% on housing$50,746/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

$226This 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
2026-04-18Price change$226,000
2026-03-18Listed for sale$236,800
2022-04-12Sold$203,000
2022-02-08Pending sale$228,000
2022-01-24Price change$228,000
2022-01-06Listed for sale$230,000
2022-01-04Pending sale$230,000
2021-12-20Listed for sale$230,000
2021-10-20Sold$95,000
2021-09-03Price change$129,000
2021-08-31Listed for sale$138,000
2021-08-04Pending sale$138,000
2021-07-30Listed for sale$138,000
2015-01-15Sold$13,900
2014-12-09Price change$13,900
2014-11-01Price change$15,900
2014-09-19Price change$17,900
2014-07-23Listed for sale$19,900
2014-06-21Listing removed$23,000
2014-06-04Listed for sale$23,000
2014-05-12Sold$21,100
1998-05-12Sold$28,000

For Sale by Agent

AgentVanessa Marshall
BrokerageCOLDWELL BANKER REALTY

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