Single Family Residence in HART LAKE COVE PHASE 1, Winter Haven · No CDD on record
HART LAKE COVE PHASE 1 · Winter Haven, GA 33884 · Polk County
Listing data checked against the MLS November 4, 2026 at 5:39 PM ET · rechecked hourly
Listed by Federa (MLS) · Page maintained by Momentum Realty LLC, a licensed Georgia brokerage
4Bedrooms
2Bathrooms
2,836Sq Ft
2006Year Built
$74Per Sq Ft
GarageNo CDD on recordFEMA Zone X4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
33% below
$/sq ft vs community
$74 here vs $111 median sold (12 mo)
Zone X
Flood risk
Minimal hazard per FEMA
$500–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
165 Fish Hawk Drive in Hart Lake Cove Phase 1, Winter Haven is listed at $210,000 (2,836 sq ft, about $74 per sq ft). That is 49% below Hart Lake Cove Phase 1's median closed sale of $410,000 over the last 12 months (3 recorded sales). Per square foot it is below the community's recent $111/sq ft by about 33%. It came to market within the past week. Listing facts: built in 2006. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2006 · 20 yrs
2,836 sq ft of living area
Garage
Active listing
Listing description
About this home
Foreclosure Auction Ends November 10, 2026 at 10:00 AM EST. Discover this inviting 4-bedroom, 2-bathroom single-family home, offering a wonderful opportunity to live in the desirable Winter Haven community. Sold As-is.
Explore more details and submit your bid through Federa Home App.
Description provided by Federa and reproduced from the MLS; not independently verified.
No closed sales of a similar home within about 10 miles in Polk County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for HART LAKE COVE PHASE 1. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$210,000
Bed / bath4 / 2
Living area2,836 sq ft
Year built2006
Property typeSingle Family Residence
GarageYes
MLS #10883138
Listing statusActive
Public records & third-party data
FEMA flood zoneZone X
CountyPolk
Area listings0 active · 0 under contract
Estimated first-year tax~$2,600/yr
CDD assessmentNone on record
HOANot reported
Calculated estimates
Price per sq ft$74
Estimated monthly payment$1,446
Insurance (illustrative)$500–$2k/yr
Comparable-sales median$410,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$1,446/mo
Principal & interest $1,145/mo79%
Taxes $217/mo15%
Insurance $84/mo6%
$1,446/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × Polk County rate (16.19 mills, adopted 2025 millage). Not a bill.
Current owner’s estimated bill $4,875/yr ($406/mo) — taxable value $300,414 × 16.19 mills
$2,275 less each year
(−47%)
The current taxable value ($300,414) is above the asking price. After a sale the assessment is typically set from market value, which here would be lower than the current taxable value, so the estimate is lower. Confirm with the county property appraiser — the appraiser, not the sale price, sets the assessment.
$300,414
Market value
$300,414
Assessed
$300,414
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), Georgia MLS; millage: Polk County Property Appraiser 2025 final millage rates; Polk County School Board 2025-26 adopted millage. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$500–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
Not reported
Not stated in the listing. Confirm with the listing agent or the county record; $0 is used in the payment estimate.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
Not on record
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
Natural hazard risk
FEMA National Risk Index for Polk County, GA: overall Relatively Low. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively Low
Inland floodingRelatively Low
Heat waveRelatively Low
WildfireRelatively Low
TornadoRelatively Moderate
LightningRelatively Moderate
Strong windRelatively Moderate
DroughtRelatively Moderate
HailRelatively Low
Cold waveRelatively Moderate
Winter weatherVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · HART LAKE COVE PH 01
Pricing & the HART LAKE COVE PH 01 market
How this home is priced against recent nearby sales, and where HART LAKE COVE PH 01 has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in HART LAKE COVE PH 01
Each dot is a closed sale since 2014 (38 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Georgia MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2016–2026. This home lists at $74/sq ft.
Median sale price by year
12-month median closed price, 2016–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2016–2026. Now 46 (normal).
Property timeline
This home’s history
2006BuiltPer public record
Nov 2, 2026First seen on movewithmomentum.comObserved at $210,000
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $210,000Federa
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
74/100
Strongest on: Price vs area (100), Affordability (100)
0 limited50100 exceptional
74/100 is strong across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area100
This home $74/sq ft vs the community 12-month median $111/sq ft.
Affordability100
List price $210,000 vs the community median $410,000. Not a measure of personal affordability.
Flood safety90
FEMA Zone X. Verify the parcel with FEMA.
Insurance cost73
From FEMA Zone X and a 2006 build. Obtain a property-specific quote.
Market liquidity31
Community median 86 days on market (12-month record).
Buyer competition100
0% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power46
Recent sales closed at about 98.9% of original asking (~1.1% below). More room below asking generally favors buyers.
Market timing54
Momentum Market Heat is 46/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 8 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $74 per square foot, about 33% below the community’s $111 median. HART LAKE COVE PH 01’s 12-month median sold price per square foot is $111. Median sold price per square foot is up 12.9% year over year. Confidence: Low · 3 closed sales in 12 monthsMLS facts: Georgia MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
70% of homes in HART LAKE COVE PH 01 are owner-occupied. An estimated 30% are non-owner-occupied, including 0% held in a company or trust and 0% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 10 homes matched. Community-level context.
Recent HART LAKE COVE PH 01 sales closed near 98.9% of original asking. Cash paid for about 0% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Georgia MLS records, community-level, 12 months ending August 2, 2026. Aggregates only; deemed reliable but not guaranteed.
Checked against the MLS November 4, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by Federa · MLS # 10883138
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Keep looking
Similar homes for sale near HART LAKE COVE PHASE 1
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Schools
County commission and School Board begin updating growth and school capacity agreement
At a joint Oct. 29 meeting at the Lake Myrtle Sports Complex, both boards agreed to advance updates to their interlocal agreement on school planning. Topics included reducing portable classrooms, concurrency service areas and workforce housing options. Superintendent Fred Heid called the current agreement outdated.
Why it matters: Updated coordination between growth approvals and school capacity could shape where new school space is added and how new housing is phased across the county. The site is about 13 miles northwest of Hart Lake Cove.
Sheffield Road to reopen early as next construction phase closes Old Bartow Eagle Lake Road
Sheffield Road west of Spirit Lake Road was set to reopen Oct. 19, over a month ahead of schedule. Phase 3 closes Old Bartow Eagle Lake Road between Spirit Lake Road and Spirit Landings Boulevard from Oct. 18 until about Jan. 11, 2027. Detours use Crystal Beach, Thornhill and Spirit Lake roads.
Why it matters: Commuters in northeast Winter Haven regain Sheffield Road now but face a detour on Old Bartow Eagle Lake Road through early January. The project is about 7 miles north of Hart Lake Cove, elsewhere in Polk County.
Polk County and State Preserve About 375 Acres of Working Ranch Land in Alturas
Polk County and the Florida Department of Agriculture and Consumer Services closed a $3,005,000 conservation easement on a cattle ranch with shoreline on the north side of Gator Lake in Alturas. The county paid $750,000 and the state's Rural and Family Lands Protection Program covered the rest. The easement bars development while ranching continues.
Why it matters: The easement keeps roughly 375 acres near Alturas undeveloped, limiting future residential supply on that parcel while preserving open space and lake frontage. The project is about 9 miles south of Hart Lake Cove, elsewhere in Polk County.
$1.2 Million Sidewalk Project Completed in Northwest Lake Wales
Lake Wales finished a $1.2 million sidewalk phase covering Orange Avenue, Wetmore Street, Sessoms Avenue, Seminole Avenue, Seaboard Avenue, Dorsett Avenue, B Street and C Street, rehabilitating existing walks and adding new ones. A state grant paid for the work, and an earlier phase finished in 2025. Landscaping and street trees remain scheduled in some areas.
Why it matters: New sidewalks improve walking access to nearby streets and amenities in northwest Lake Wales. The project is about 6 miles southeast of Hart Lake Cove, elsewhere in Polk County.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in Polk County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEB
Chain of LakesAssigned elementary school · Polk County School District · Grade B (Florida DOE 2025-26)
GRADEC
DenisonAssigned middle school · Polk County School District · Grade C (Florida DOE 2025-26)
GRADEC
Lake RegionAssigned high school · Polk County School District · Grade C (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
City
Winter Haven
Groceries, dining, and parks for this city — see the city guide.
Items worth confirming for 165 Fish Hawk Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2006 (20 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
Confirm whether a mandatory HOA applies to this parcel and what it charges.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Polk County; age of roof and any prior claims affect the premium.
Listed living area is 2,836 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $2,600/yr) assumes reassessment at the list price; confirm exemptions with the county tax assessor.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
Georgia MLS, checked against the MLS hourly (last: November 4, 2026)
Comparable sales
Fewer than 3 defensible closed sales within about 10 miles in Polk County — no medians or automated estimate shown
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Georgia MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 165 Fish Hawk Drive and when was it built?
Per the listing record, 165 Fish Hawk Drive was built in 2006 and has 2,836 sq ft of living area, 4 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 165 Fish Hawk Drive in?
165 Fish Hawk Drive is in Hart Lake Cove Phase 1 in Winter Haven, Polk County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
How are property taxes on 165 Fish Hawk Drive estimated?
The estimate on this page (about $2,600 per year) assumes the county reassesses at the list price. Georgia counties reassess after a sale and exemptions such as homestead must be applied for by the new owner, so the seller's current bill is not a guide. Confirm with the county tax assessor.
Is 165 Fish Hawk Drive in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
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Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
