Single Family Residence in ELBERT ACRES, WINTER HAVEN
ELBERT ACRES · Winter Haven, FL 33881 · Polk County
Listing data checked against the MLS November 13, 2026 at 8:27 PM ET · rechecked hourly
Listed by LPT REALTY, LLC (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
2Bathrooms
1,191Sq Ft
1988Year Built
$216Per Sq Ft
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% above
$/sq ft vs community
$216 here vs $162 median sold (12 mo)
Buyer leverage
Balanced market
3 days on market
6.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
1739 C Avenue in Elbert Acres, Winter Haven is listed at $257,715 (1,191 sq ft, about $216 per sq ft). It came to market within the past week. Listing facts: built in 1988, no HOA. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
Built 1988 · 38 yrs
1,191 sq ft of living area
Listed at $257,715 — recent neighborhood median sale price ~$174,950 (nearby sales; deemed reliable, not an appraisal)
New to market
No HOA reported by the listing (confirm)
Listing description
About this home
Virtually Staged. Short Sale. Welcome to 1739 Avenue C NE, where modern updates, everyday comfort, and affordability come together in the heart of Winter Haven.
This beautifully renovated 3-bedroom, 2-bathroom home features laminate flooring throughout, updated bathrooms, and a beautifully remodeled kitchen. Step inside and discover a refreshed interior featuring modern cabinetry, stylish countertops, and stainless steel appliances, creating a space that is both functional and welcoming. The comfortable living area provides the perfect setting for everyday living and entertaining.
Beyond the cosmetic improvements, some of the biggest expenses have already been addressed, including a roof replacement and new air conditioning system in 2024. The home also features an updated carport, an indoor laundry room, and a spacious yard with plenty of room to enjoy the Florida sunshine. Situated in the established Elbert Acres neighborhood, this property offers something increasingly valuable: NO HOA!
Enjoy the freedom of homeownership without additional monthly association fees or restrictions. Conveniently located near shopping, dining, schools, and the many lakes and recreational opportunities that make Winter Haven such a desirable place to call home. Whether you're looking for a place to call your own, downsizing into something more manageable, or adding to your real estate portfolio, this home offers an excellent combination of updates, convenience, and value.
The work has been done, and the opportunity is yours. Schedule your private showing today and see everything this Winter Haven home has! **Washer and dryer do not convey with the sale.
Sale is subject to third-party approval.
All 10 photos
Description provided by LPT REALTY, LLC and reproduced from the MLS; not independently verified.
Listing courtesy of LPT REALTY, LLC · Listing agent: Jason Prieto · 877-366-2213Provided 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™ · automated estimate
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
$172,000the mess$258,000
Directional estimate — built from 4 comparable closed sales in ELBERT ACRES (same property type, closed within the last 18 months, each adjusted to today's market); a local size, age, bed and bath model fit on 21 nearby closed sales.
Track record: across 2,836 recent closed sales we scored, the closed price landed inside the Messtimate range 64% of the time; median miss 9.2% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-11-13.
Actual list price: $257,715 ($216/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 50% spread on the same house — here is what a model can't see:
Condition & updates — a 1988 home may have had its roof, kitchen, or HVAC replaced since, or not; the model can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
Carrying costs & concessions — insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
1 active listing competing
2 closed here in the last 12 months
Want a property-specific value 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.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (4) + a local hedonic fit (21 sales); MLS closed-sale records. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated November 13, 2026.
How it stacks up
Comparable recent sales
4 closed sales in ELBERT ACRES in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Apr 2026
$135,000
276 18TH STREET, WINTER HAVEN
3 / 2 bd/ba · 1,218 sq ft · $111/sq ft
Courtesy of COLDWELL BANKER REALTY · View details →
Sold Apr 2026
$135,000
276 18TH STREET, WINTER HAVEN
3 / 2 bd/ba · 1,218 sq ft · $111/sq ft
Courtesy of COLDWELL BANKER REALTY · View details →
Sold Jun 2026
$214,900
1761 ELBERT ACRES COURT, WINTER HAVEN
3 / 2 bd/ba · 1,016 sq ft · $212/sq ft
Courtesy of ENTERA REALTY LLC · View details →
Sold Jun 2026
$214,900
1761 ELBERT ACRES COURT, WINTER HAVEN
3 / 2 bd/ba · 1,016 sq ft · $212/sq ft
Courtesy of ENTERA REALTY LLC · View details →
Median of these 4 sales: $174,950 ($162/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
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$257,715
Bed / bath3 / 2
Living area1,191 sq ft
Year built1988
Property typeSingle Family Residence
MLS #S5160994
Listing statuslisted Nov 10, 2026
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
CountyPolk
Area listings0 active · 0 under contract
Estimated first-year tax~$3,350/yr
CDD assessmentNone on record
HOANone reported
Calculated estimates
Price per sq ft$216
Estimated monthly payment$1,802
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$174,950
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
$1,802/mo
Principal & interest $1,387/mo77%
Taxes $279/mo15%
Insurance $136/mo8%
$1,802/mo at 20% down, 30-yr @ 7.11% · 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.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $1,550/yr ($129/mo) — taxable value $95,805 × 16.19 mills
$1,800 more each year
(+116%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$50,722
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.
$146,527
Market value
$146,527
Assessed
$95,805
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), Stellar 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.
What it really costs to own 1739 C Avenue
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $1,550/yr (certified county roll, taxable value × millage). Buy at the asking price of $257,715 and the first-year bill resets to about $3,350/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 16.19 mills); Save Our Homes caps later increases at 3%/yr.
HOA dues
The listing states there is no HOA.
Home and flood insurance
The average Citizens Property Insurance premium in Polk County is $1,931/yr (5,380 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,000–$2,500/yr; neither is a quote.
Roof and age
Built in 1988. An original roof would be about 38 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated carrying cost at the asking price, before the mortgage: about $440/month (tax $279, insurance $161). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
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
Not reported
The MLS listing does not report a CDD amount. Many Florida communities have one; it shows on the county tax bill — confirm with the tax collector or the listing agent.
Insurance (illustrative range)
$1k–$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 zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
None reported
The listing reports no HOA. Confirm with the county record that no mandatory association applies.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
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, FL: overall Relatively High. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneVery High
Inland floodingRelatively High
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively High
LightningVery High
Strong windVery High
DroughtRelatively Moderate
HailRelatively Moderate
Cold waveRelatively Moderate
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 · Elbert Acres
Pricing & the Elbert Acres market
How this home is priced against recent nearby sales, and where Elbert Acres has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
1988BuiltPer public record
About Nov 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (listed about Nov 10, 2026)
Nov 12, 2026First seen on our siteObserved at $257,715
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 $257,715LPT REALTY, LLC · listed Nov 10, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Research
The Momentum read
🟡 Balanced conditions around this listing. 6.0 months of supply in the surrounding market and 3 days on market for this home, against a 3-day area median.Days on market:this home 3Area median: 3 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID. As of November 6, 2026.
🟡 Asking $216 per square foot, about 33% above the community’s $162 median. Elbert Acres’s 12-month median sold price per square foot is $162. 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.
Checked against the MLS November 13, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by LPT REALTY, LLC · MLS # S5160994
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Keep looking
Similar homes for sale near ELBERT ACRES
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 8 miles northwest of Elbert Acres.
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 site is about 2 miles northwest of Elbert Acres.
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 6 miles northeast of Elbert Acres, 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 7 miles northeast of Elbert Acres, 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.
GRADEC
Elbert ElemAssigned elementary school · Polk County School District · Grade C (Florida DOE 2025-26)
GRADEC
Denison MiddleAssigned middle school · Polk County School District · Grade C (Florida DOE 2025-26)
GRADEC
Winter Haven SeniorAssigned 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.
Items worth confirming for 1739 C Avenue, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1988 (38 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Polk County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,191 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 $3,350/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,800 more per year than the current owner’s estimated bill (+116%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
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
Stellar MLS, checked against the MLS hourly (last: November 13, 2026)
Comparable sales
Stellar MLS closed sales in ELBERT ACRES, last 18 months, as of November 6, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
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 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
How big is 1739 C Avenue and when was it built?
Per the listing record, 1739 C Avenue was built in 1988 and has 1,191 sq ft of living area, 3 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 1739 C Avenue in?
1739 C Avenue is in Elbert Acres in Winter Haven, Polk County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 1739 C Avenue have an HOA?
The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.
Why might property taxes on 1739 C Avenue differ from the current owner's?
The estimate on this page (about $3,350 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $1,800 more per year than the current owner’s estimated bill (+116%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 1739 C Avenue in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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 1739 C AVENUE in person
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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.
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.
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.
