Listing data updated September 5, 2026 · refreshed twice daily
2Bedrooms
2.5Bathrooms
1,640Sq Ft
2015Year Built
$302Per Sq Ft
2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
in line with
$/sq ft vs community
$302 here vs $302 median sold (12 mo)
Buyer leverage
Balanced market
1 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~171 ft elevation
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 5, 2026, 154 2ND STREET #Unit 7 in Raingarden, Winter Haven is listed at $495,000 (1,640 sq ft, about $302 per sq ft). It came to market within the past week. Listing facts: built in 2015, HOA dues of $550/mo. 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 2015 · 11 yrs
1,640 sq ft of living area
2-car garage
New to market
HOA $550/mo (per listing)
Property timeline
This home’s history
2015BuiltPer public record
Jul 2, 2026First trackedObserved at $495,000
NowActiveCurrently for sale
Build year is from public record. Listing 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.
Financing
Estimated monthly payment
$3,709/mo
Principal & interest $2,558/mo69%
Taxes $433/mo12%
Insurance $168/mo5%
HOA $550/mo15%
$3,709/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Estimated from today’s asking price and current Polk County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $4,100/yr ($342/mo)
+$3,100 more each year
(+76%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$45,478
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
57/100
Strongest on: Flood safety (95), Insurance cost (79)
0 limited50100 exceptional
57/100 is solid, mid-pack 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 area50
This home $302/sq ft vs the community 12-month median $302/sq ft.
Affordability50
List price $495,000 vs the community median $495,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~171 ft elevation. Verify the parcel with FEMA.
Insurance cost79
From FEMA Zone X and a 2015 build. Obtain a property-specific quote.
Renovation upside11
From a 2015 build and $302/sq ft vs the community median $302/sq ft. Not a condition assessment.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. 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 $302 per square foot, about in line with the community’s $302 median. RAINGARDEN’s 12-month median sold price per square foot is $302. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: one of only 1 active listings in RAINGARDEN, no CDD assessment.
Updated September 5, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Discover your dream residence at RainGarden Condominiums in Downtown Winter Haven! Designed by renowned architect Max Strang, this stunning townhouse embodies a modern design within a tropical landscape that provides an atmosphere of serenity in the heart of a lively downtown. Prepare to be wowed by the blend of contemporary aesthetics and organic elements, transforming this two-bedroom, two-and-a-half-bathroom residence into a unique piece of architecture!
This interior unit is one of nine townhomes that make up the RainGarden Condominium. Upon entering the secured gate into your private courtyard, you’ll immediately notice the lush landscaping and shady tree canopies that provide a peaceful place to relax or entertain guests. Step inside and enjoy a spacious and airy layout that effortlessly connects the living, dining, and kitchen areas.
The large custom windows bathe the space in natural light, while the randomized, vertical fins on the front facade provide generous shading and privacy to the outside. The living room dazzles with 9'9" ceilings, elegant concrete floors, dining area, and expansive floor-to-ceiling windows. The gourmet kitchen features a breakfast bar, high-end GE appliances, granite countertops, and ample cabinet space, blending functionality with style.
Access your second story via an integrated wooden stairway situated in a clerestory expanse that opens to a skylighted landing. Upstairs, the lofted master bedroom beckons with floor-to-ceiling windows, refined wood floors, an en-suite bathroom, and abundant closet space. The master bath features a double vanity, a large walk-in shower with elegant finishes, and a spacious walk-in closet.
The second bedroom boasts a similar en-suite bathroom with a walk-in closet and plenty of storage. Enjoy the convenience of a second-floor washer and dryer as well as an ample storage closet. Located in the heart of Downtown Winter Haven, this home offers an urban lifestyle where you can “live, work, and play” all within a few blocks.
You can leave your vehicles in the attached two-car garage and enjoy the vibrant neighborhood with new restaurants, coffee shops, retailers, and other entertainment just steps away. There are also additional visitor parking spots in the rear and ample street parking available on Ave A. This location cannot be beaten!
Centrally located between Tampa & Orlando and within 1 1/2 hours of both east-coast and west-coast beaches. Or take your family out on the coveted Chain of Lakes where you can boat or swim between 22 different lakes! Don’t miss out on the opportunity to purchase this architectural gem!
HOA provides for trash pickup, sewer, common electric and water expenses, exterior maintenance and landscaping.
Description provided by POLK REALTY ADVISORS LLC and reproduced from the MLS; not independently verified.
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$495,000
Bed / bath2 / 2.5
Living area1,640 sq ft
Year built2015
Property typeTownhouse
Garage2-car
MLS #L4961765
Listing statusNew — 1 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~171 ft
Windstorm exposureLow
CountyPolk
Area listings1 active · 0 under contract
Estimated first-year tax~$5,198/yr
CDD assessmentNone on record
HOA (per listing)$550/mo
Calculated estimates
Price per sq ft$302
Estimated monthly payment$3,709
Insurance (illustrative)$2k–$3k/yr
Comparable-sales median$495,000
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
Listing courtesy of POLK REALTY ADVISORS LLC · Listing agent: Zachary Strang · 786-387-1809Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX 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 by the MLS to be accurate.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$436,240the mess$554,320
Actual list price: $495,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
1 active listing competing
For reference, this home is listed at $495,000 ($302/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,640 sq ft × $266–$338/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 5, 2026.
Keep looking
Similar homes for sale near RAINGARDEN
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.
Listed for $495,000Momentum Realty · on market 1 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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.
Property tax (first-year est.)
~$5,198/yr
A rough first-year estimate only, applying a typical Polk rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$3k/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
$550/mo
Covers the master association & common areas. Confirm exact dues and what they include.
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
~171 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
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Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by POLK REALTY ADVISORS LLC · MLS # L4961765
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Market data · public records
Recent sales activity in RAINGARDEN
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the RAINGARDEN neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$495,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$302
Canonical 12-month median $/sq ft. Reference only.
Go deeper on RAINGARDEN
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Development
Lakeland Commissioners Approve Zoning Changes for Hallam Drive and Laura Road Projects
Lakeland commissioners unanimously approved zoning changes on July 20, 2026 for two projects. One rezones 17 acres at 1212 Hallam Drive for 24 single family homes on 1.5 acre lots, and the other rezones 3.87 acres at 559 Laura Road for a proposed self storage facility.
Why it matters: Rezonings clear the way for new low density housing and commercial storage in Lakeland, adding to residential lot supply and local commercial infrastructure. The project is about 12 miles west of Raingarden, elsewhere in Polk County.
Haines City Data Center Proposal on Hold Over Water Capacity
Texas based Cielo Digital Infrastructure has proposed a data center on Marion Road and State Road 544 East in Haines City, requesting 150,000 gallons of potable water per day. City officials say the project remains preliminary, is awaiting additional water allocation from the Southwest Florida Water Management District, and has not yet come before the commission for approval.
Why it matters: A proposed data center signals commercial and industrial interest in the Haines City area while highlighting water infrastructure limits that could shape the pace of future development. The project is about 7 miles northeast of Raingarden, elsewhere in Polk County.
Orlando Health Watson Clinic Lakeland Highlands Hospital to Open July 8
Orlando Health will open its seven-story Watson Clinic Lakeland Highlands Hospital at 4000 Lakeland Highlands Road on July 8, 2026. The facility has more than 300 inpatient beds, 11 operating rooms, and a Center for Women and Babies, and is reported to add more than 1,500 jobs.
Why it matters: A new full service hospital adds major health infrastructure and a large employment anchor to south Lakeland, supporting commercial activity and property demand around the site. The project is about 14 miles west of Raingarden, elsewhere in Polk County.
Haines City Commission Reviews Lake Eva Estates Subdivision
Haines City reviewed a preliminary plat for Lake Eva Estates, a 31 lot single family subdivision on 16.68 acres west of 10th Street South by Lake Eva. The project is zoned low density residential and includes an approved traffic study.
Why it matters: A new single family subdivision adds for sale housing supply in the Lake Eva area and reflects continued residential platting activity in Haines City. The project is about 9 miles northeast of Raingarden, elsewhere in Polk County.
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.
Polk County Public Schools (verify by address)Public · Polk County School District
Confirm zoned elementary, middle, and highBy address · Polk County School District
Magnet and choice options may applyChoice · Polk County School District
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$2,269 – $3,300/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate3.3%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,507 – −$579At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
WINTER HAVEN
Groceries, dining, and parks for this city — see the city guide.
Stellar MLS, refreshed twice daily (last: September 5, 2026)
Community market stats
Stellar MLS closed sales, as of August 2, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
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 Stellar 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
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. 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
See 154 2ND STREET #Unit 7 in person
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.
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 a typical county millage rate to the list price 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.
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 and we will review and correct or remove it promptly.
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.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is 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. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
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.
