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245 16th St NE, Winter Haven, FL, 33881

3beds
2baths
1,232sqft
$225,000
$183price/sqft
$1,719/moest. monthly cost
$68,760/yrincome needed

About This Home

Welcome to this Charming and newly remodeled home, located in the heart of Winter Haven! This inviting property offers comfortable living with a functional layout, perfect for both relaxing and entertaining. Whether you’re a first-time homebuyer, downsizing, or looking for an investment opportunity, this home is a must-see!

Getting Around

20
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

1/10
Elbert Elementary SchoolGrades PK-50.2 mi
3/10
Denison Middle SchoolGrades 6-81.3 mi
3/10

Construction

Condition

  • Year built: 1960

Materials

  • Foundation: Slab
  • Roof: Metal
  • Construction materials: Block

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Range Hood,Refrigerator
  • Laundry features: Other

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Other
  • Flooring: Other

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,232
  • Total interior livable area: 1,232 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First

Property

Details

  • Parcel number: 262827592300001020
  • Zoning: R-1
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: None

Lot

  • Lot size: 0.25 Acres
  • Lot size dimensions: 81 x 135

Parking

  • Total spaces: 1
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered 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 $1,137$13,644
Home Insurance *$210$2,520
Property Taxes $175$2,100
Electricity $197$2,366
Total$1,719$20,628
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$58,937/yr
40% on housing$51,570/yr
45% on housing$45,840/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

$183This 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
2026-04-29Listed for sale$309,800
2025-12-22Sold$147,500
2025-12-09Pending sale$170,000
2025-11-17Listed for sale$170,000
2025-11-10Pending sale$170,000
2025-11-05Listed for sale$170,000
2012-03-07Sold$46,000
2012-01-24Listed for sale$46,530
2000-11-21Sold$85,900

For Sale by Agent

AgentDeidre Rios
BrokerageTCA REALTY, LLC

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