113 days on marketSingle Family ResidenceGREAT OPPORTUNITY!
$327,900
3-Bedroom Home in HAMMOCK RESERVE PH 3
5539 Maddie Drive, Haines City, FL 33844
Single Family Residence in HAMMOCK RESERVE PH 3, HAINES CITY · No CDD · Built 2024
HAMMOCK RESERVE PH 3 · Haines City, FL 33844 · Polk
Listing data updated September 28, 2026 · refreshed hourly
3Bedrooms
2Bathrooms
1,677Sq Ft
2024Year Built
$196Per Sq Ft
2-car garageNew constructionNo CDD
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
$196 here vs $197 median sold (12 mo)
Buyer leverage
Strong buyer advantage
113 days on market
58872.0 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.
As of September 28, 2026, 5539 Maddie Drive in Hammock Reserve Ph 3, Haines City is listed at $327,900 (1,677 sq ft, about $196 per sq ft). That is 40% below Hammock Reserve Ph 3's median closed sale of $550,000 over the last 12 months (49 recorded sales). It has been 113 days on market. Listing facts: new construction, HOA dues of $57/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
New construction — built 2024
1,677 sq ft of living area
2-car garage
113 days on market
HOA $57/mo (per listing)
Momentum Research · WINDSOR ISLAND RESIDENCE PH 2B
Pricing & the WINDSOR ISLAND RESIDENCE PH 2B market
How this home is priced against recent nearby sales, and where WINDSOR ISLAND RESIDENCE PH 2B 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 WINDSOR ISLAND RESIDENCE PH 2B
Each dot is a closed sale since 2022 (146 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2022–2026. This home lists at $196/sq ft.
Median sale price by year
12-month median closed price, 2022–2026.
Property timeline
This home’s history
2024BuiltPer public record
Sep 29, 2026First trackedObserved at $327,900 · 113 days on market
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
$2,185/mo
Principal & interest $1,751/mo80%
Taxes $287/mo13%
Insurance $91/mo4%
HOA $57/mo3%
$2,185/mo at 20% down, 30-yr @ 7.03% · 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 $4,050/yr ($338/mo)
+$450 more each year
(+11%)
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.
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.
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.
Momentum Scores
Momentum Property Score
58/100
Strongest on: Affordability (100), Pricing power (91)
0 limited50100 exceptional
58/100 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 area51
This home $196/sq ft vs the community 12-month median $197/sq ft.
Affordability100
List price $327,900 vs the community median $550,000. Not a measure of personal affordability.
Market liquidity20
Community median 107 days on market (12-month record).
Renovation upside30
From a 2024 build and $196/sq ft vs the community median $197/sq ft. Not a condition assessment.
Pricing power91
Recent sales closed at about 89.8% of original asking (~10.2% below). More room below asking generally favors buyers.
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
🟢 Buyer-leaning conditions around this listing. 58872.0 months of supply in the surrounding market and 113 days on market for this home, against a 107-day area median.Days on market:this home 113Area median: 107 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 for the period 2022 through 2026. As of September 20, 2026.
🟡 Asking $196 per square foot, about in line with the community’s $197 median. WINDSOR ISLAND RESIDENCE PH 2B’s 12-month median sold price per square foot is $197. Median sold price per square foot is down 8.3% year over year. Confidence: Very High · 49 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent WINDSOR ISLAND RESIDENCE PH 2B sales closed near 89.8% of original asking.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 Stellar MLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 4926 active listings in WINDSOR ISLAND RESIDENCE PH 2B, no CDD assessment.
Updated September 28, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
SELLER MAY CONSIDER BUYER CLOSING-COST ASSISTANCE WITH ACCEPTABLE with our preferred bank... New construction, move-in ready, and just minutes from Central Florida’s major theme parks! Why wait months for a new construction home, deal with potential delays, and spend tens of thousands of dollars on furniture, décor, appliances, blinds, and upgrades, when this exceptional property already includes EVERYTHING Built in 2024 and meticulously maintained, this stunning residence offers the perfect combination of comfort, style, and value. Featuring 3 spacious bedrooms, 2 full bathrooms, and a modern open-concept floor plan, this home comes fully furnished and professionally decorated, allowing you to move in immediately and begin enjoying the Florida lifestyle from day one.
The gourmet kitchen features stainless steel appliances, ample storage, and a large center island that seamlessly connects to the living and dining areas, creating the perfect space for entertaining family and friends. The private primary suite offers a spacious walk-in closet and an elegant spa-inspired in-suite bathroom. The additional bedrooms provide flexibility for family members, guests, or a comfortable home office.
Located in the highly desirable Hammock Reserve community, residents enjoy resort-style amenities, including a community pool, dog park, and recreational areas designed for relaxation and entertainment. Its strategic location near US-27 and I-4 provides convenient access to Central Florida’s most popular destinations, including Walt Disney World®, Universal Studios®, and LEGOLAND®, as well as premier shopping, dining, and entertainment. LOW HOA FEES! This property is ideal as a primary residence, vacation home, or investment property.
Located in one of Florida’s fastest-growing and most desirable areas, this is an exceptional opportunity for buyers looking for a move-in-ready home without the additional time, expense, and stress associated with furnishing and upgrading a new construction property. Schedule your private showing today and discover why this home is one of the best opportunities currently available in Central Florida!**
All 6 photos
Description provided by DELUX ROYAL REAL ESTATE, 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$327,900
Bed / bath3 / 2
Living area1,677 sq ft
Year built2024
Property typeSingle Family Residence
Garage2-car
MLS #S5150664
Listing status113 days on market
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountyPolk
Area listings4926 active · 1553 under contract
Estimated first-year tax~$3,443/yr
CDD assessmentNone on record
HOA (per listing)$57/mo
Calculated estimates
Price per sq ft$196
Estimated monthly payment$2,185
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$550,000
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 DELUX ROYAL REAL ESTATE, LLC · Listing agent: Romelia Pina De Pina · 305-588-5530Provided 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.
$290,121the mess$370,617
Actual list price: $327,900 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & finishes — as new construction, builder upgrades and finish level aren't in a sq ft number.
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 — this home carries HOA dues of $57/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
This home: 113 days on market vs. a 107-day community median
4906 active listings competing, 1544 under contract
1 closed here in the last 12 months
For reference, this home is listed at $327,900 ($196/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: 1,677 sq ft × $173–$221/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 28, 2026.
Keep looking
Similar homes for sale near HAMMOCK RESERVE PH 3
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 $327,900Momentum Realty · on market 113 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.)
~$3,443/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)
$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
$57/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
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
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.
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Listed by DELUX ROYAL REAL ESTATE, LLC · MLS # S5150664
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Market data · public records
Recent sales activity in HAMMOCK RESERVE PH 3
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 HAMMOCK RESERVE PH 3 neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$550,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$197
Canonical 12-month median $/sq ft. Reference only.
Explore Polk County
Browse market data, schools, taxes, and homes for sale across the county.
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 22 miles west of Zz Stellar Polk Unassigned, 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 site is about 2 miles southwest of Zz Stellar Polk Unassigned.
Hillpointe Opens Pointe Grand Apartments in Davenport
Hillpointe has begun leasing at Pointe Grand Champions Village, an approximately 445 unit apartment community at 2010 Celsius Way in Davenport. As of late June 2026 the project was about 50 percent built and had started moving in residents, featuring one bedroom cottages, two bedroom units, and three bedroom townhomes with resort style amenities.
Why it matters: A large new apartment community expands rental housing supply and adds amenity rich multifamily inventory to the Davenport market. The project is about 9 miles north of Zz Stellar Polk Unassigned, 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 1 mile west of Zz Stellar Polk Unassigned, 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.
School zoningThis address is in the Polk County School District. Specific elementary, middle, and high-school assignments vary by street and can change. Confirm current zoning with the district before relying on it.
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$1,503 – $2,186/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$723 – −$108At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 5539 Maddie Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
HOA dues are listed at $57/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
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 1,677 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 $3,443/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
Amenities and HOA/CDD detail on the neighborhood guide.
Provenance
Data sources & freshness
Listing record
Stellar MLS, refreshed hourly (last: September 28, 2026)
Community market stats
Stellar MLS closed sales, as of September 20, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
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
How big is 5539 Maddie Drive and when was it built?
Per the listing record, 5539 Maddie Drive was built in 2024 and has 1,677 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 5539 Maddie Drive in?
5539 Maddie Drive is in Hammock Reserve Ph 3 in Haines City, Polk County. The community section on this page shows recent closed sales, days on market, and active inventory for Hammock Reserve Ph 3 from the same MLS data.
Does 5539 Maddie Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $57 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 5539 Maddie Drive differ from the current owner's?
The estimate on this page (about $3,443 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so 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.
Is 5539 Maddie Drive 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 5539 MADDIE DRIVE 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.
