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138 Whittier Ln, Winter Haven, FL, 33884

4beds
3baths
1,665sqft
$319,000
$192price/sqft
$2,490/moest. monthly cost
$99,600/yrincome needed

About This Home

Welcome home to 138 Whittier Lane — a beautifully completely remodeled residence offering space, style, and flexibility in the heart of Winter Haven with no rear neighbors! This move-in-ready home features 2 private primary suites, with 2 additional bedrooms for a total of 4 bedrooms, 3 bathrooms, making it perfect for multi-generational living, guests, or added privacy. NEW ROOF, NEW AC, and DUCT WORK. Step inside to discover an extended living area designed for comfort and entertaining, highlighted by a charming wood-burning fireplace that creates the perfect gathering space. The updated interior blends modern finishes with warm character throughout. Enjoy Florida living year-round from the screened-in porch, ideal for relaxing mornings or evening get-togethers. Additional conveniences include an inside laundry room and a spacious 2-car garage for storage and parking. NO HOA! Property can be rented immediately without restrictions. Located in desirable Winter Haven, known for its chain of lakes, local charm, and central location between Tampa and Orlando, this stunning remodeled home offers the perfect blend of comfort and convenience. This one is a must-see! Schedule your private showing today.

Getting Around

19
WalkingCar-Dependent
0
TransitVery Limited Transit
31
BikeSomewhat Bikeable

Schools

5/10
3/10
Denison Middle SchoolGrades 6-83.2 mi
3/10

Construction

Condition

  • Year built: 1970

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Range,Refrigerator,Washer
  • Laundry features: In Garage

Bedroom3

  • Features: Built-in Closet
  • Level: First

Bedroom4

  • Features: Built-in Closet
  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Family Room

  • Level: First

Features

  • Primary Bedroom Main Floor
  • Flooring: Luxury Vinyl
  • Fireplace features: Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,555
  • Total interior livable area: 1,665 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Other

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

Primary Bedroom

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

Property

Details

  • Parcel number: 262836663000000530
  • Zoning: R-1
  • Special condition: None

Features

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

Lot

  • Lot size: 9,396 sqft
  • Lot size dimensions: 72 x 123

Parking

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

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High

How This Home’s Risks Compare

Hurricane
Lightning
Strong Wind

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 $1,613$19,356
Home Insurance *$288$3,456
Property Taxes $392$4,704
Electricity $197$2,366
Total$2,490$29,880
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,371/yr
40% on housing$74,700/yr
45% on housing$66,400/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

$192This listing

vs Other Active Listings

Avg $/sqft

ZIP 33884$119
Polk County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 33884$166
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
2026-05-13Price change$329,000
2026-04-27Listed for sale$350,000
2025-10-17Sold$155,000
2025-09-18Pending sale$200,000
2025-09-08Listed for sale$200,000
2015-09-04Listing removed--
2015-08-22Listed for sale--
2015-07-07Listing removed--
2015-06-03Listed for sale--
1994-10-28Sold$75,000

For Sale by Agent

AgentMichele Elchin
BrokerageDALTON WADE INC

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