138 WHITTIER LANE, WINTER HAVEN, FL, 33884
Active88 days on marketListed Apr 27, 2026MLS #P4938568
About this home
138 WHITTIER LANE
Welcome home to 138 Whittier Lane- NO HOA! — a beautifully 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, NEW DUCT WORK, NEW WINDOWS, NEW FENCE and NEW WATER SOFTNER. 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. 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.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,665
Sqft
0.22 ac
Lot size
2
Garage
1970
Year built
One
Levels
$195
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$2,520 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,520/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs Winter Haven actives
$195 vs $171
Days on market
88 vs 42 typical
Where $195/sqft sits among the 400 Winter Haven actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Winter Haven
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
WINTER HAVEN 33884 — neighborhood snapshot
Population
36,395
Median age
45.3
Median income
$70,516
Median home value
$269,400
Avg household
2.58
Households w/ children
3,777
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Haven market
$285K → $287K
Winter Haven median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
197 of 400
Winter Haven actives have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 13% above the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 138 WHITTIER LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$285,000
141 BROWNING CIRCLE · same community
2 bd · 2 ba · 1,629 sqft · $175/sqft · 22 DOM
Sold · Mar ’26$208,000
209 KILMER LANE · same community
3 bd · 1.5 ba · 1,723 sqft · $121/sqft · 40 DOM
Sold · Apr ’26$280,000
241 PAINE DRIVE · same community
3 bd · 2 ba · 1,730 sqft · $162/sqft · 82 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 138 WHITTIER LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 138 WHITTIER LANE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
138 WHITTIER LANE FAQs
What would the monthly payment be for 138 WHITTIER LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,520/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 138 WHITTIER LANE?+
The most recent tax bill on record (2025) was $3,709. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Winter Haven?+
At $324,000, this home is listed about 14% above the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 138 WHITTIER LANE?+
Elbert Elementary School (elementary), Winter Haven Senior High School (high), Denison Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$324,000 runs 13% above the WINTER HAVEN 33884 median.
02Time on market is leverage
88 days on market against a Winter Haven median of 42 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $350,000, now $324,000 — a $26K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of DALTON WADE INC · Michele Elchin. MLS #P4938568.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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