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650 9TH STREET NE, Winter Haven, FL, 33881

2beds
2baths
1,110sqft
$189,900
$171price/sqft
$1,632/moest. monthly cost
$65,280/yrincome needed

About This Home

Under contract-accepting backup offers. Great location just needs some TLC. This 1,110 sq.ft. home is located in the heart of Winter Haven minutes to downtown hospital and walking distance to Polk State College. Featuring 2 bedrooms and 2 bathrooms, this home has undergone some renovations but looking for someone to finish off with their own touches. The property features a new metal roof, new luxury. vinyl flooring, split unit (2022), and full electric and plumbing in 2022. The kitchen has also been updated with new cabinets and stainless appliances. Outside you have plenty of possibilities. The detached building is ready to be made into a mother-in-law suite or perfect man cave. Large back porch and chicken coop are other perks of this listing. Call or text to see it today!

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
42
BikeSomewhat Bikeable

Schools

3/10
Denison Middle SchoolGrades 6-80.8 mi
3/10

Construction

Condition

  • Year built: 1925

Materials

  • Foundation: Crawlspace
  • Roof: Metal
  • Construction materials: Vinyl Siding,Wood Frame

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

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

Bedroom2

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 156
  • Dimensions: 13x12

Bedrooms & Bathrooms

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

Dining Room

  • Level: First
  • Area: 104
  • Dimensions: 13x8

Features

  • Ceiling Fan(s),Solid Wood Cabinets
  • Flooring: Luxury Vinyl

Heating & Cooling

  • Heating features: Electric
  • Cooling features: Ductless,Wall/Window Unit(s)

Interior Area

  • Total structure area: 1,110
  • Total interior livable area: 1,110 sqft

Kitchen

  • Level: First
  • Area: 135
  • Dimensions: 15x9

Living Room

  • Level: First
  • Area: 150
  • Dimensions: 10x15

Primary Bedroom

  • Features: Built-in Closet
  • Level: First
  • Area: 143
  • Dimensions: 13x11

Property

Details

  • Parcel number: 262821574500000260
  • Zoning: R-1C
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Lighting
  • Fencing: Vinyl

Lot

  • Lot size: 0.29 Acres
  • Lot size dimensions: 150 x 150

Parking

  • Total spaces: 2
  • Parking features: Garage
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 $960$11,520
Home Insurance *$177$2,124
Property Taxes $298$3,576
Electricity $197$2,366
Total$1,632$19,584
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$55,954/yr
40% on housing$48,960/yr
45% on housing$43,520/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

$171This 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
2026-08-11Listed for sale$189,900
2026-08-10Contingent$189,900
2026-07-21Listed for sale$189,900
2026-06-27Listing removed$235,000
2026-06-17Listed for sale$235,000
2026-01-12Listing removed$279,900
2025-11-20Listed for sale$279,900
2022-05-03Sold$150,000

For Sale by Agent

AgentRenee Butler
BrokerageBROKERS REALTY OF CENTRAL FLOR

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