961 HAROLD PASS, WINTER HAVEN, FL, 33884
Active106 days on marketListed Apr 8, 2026MLS #O6397178
About this home
961 HAROLD PASS
BEAUTIFUL home built in 2025, featuring 3 bedrooms, 2 baths, and an open living area. The kitchen boasts an open and airy design, with a spacious center island perfect for entertaining, complemented by new stainless-steel appliances,and a walk-in pantry. The dining room is perfectly placed near the kitchen, providing the ideal setting for meals and celebrations of any kind. The family room serves as the natural gathering space of the home, perfect for entertaining friends and family or relaxing with a favorite book or movie. The living area, laundry room, and baths texture luxury wood vinyl plank flooring, with stain-resistant carpet in the bedrooms. The owner's suite includes a walk-in wardrobe and a private en-suite bath with dual vanities, a tiled shower, and a closeted toilet. 2-car garage, architectural shingles. Peace Creek Reserve is a Masterplan community of new single-family homes with a beautiful natural creek. Winter Haven is the chain of lakes city, with over 26 linked together by canal. There are lots of shops, restaurants, bike paths. Peace Creek Reserve is what you have been looking for. safe small town feel with convenience, the perfect place to raise a family.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,432
Sqft
0.11 ac
Lot size
2
Garage
2024
Year built
One
Levels
$175
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,317 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,317/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−1.6%
$/sqft vs PEACE CRK RESERVE
$175 vs $192
Days on market
106 vs 42 typical
Where $175/sqft sits among the 8 homes for sale in PEACE CRK RESERVE
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Winter Haven
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
WINTER HAVEN 33884 — neighborhood snapshot
Population
36,395
Median age
45.3
Median income
$70,516
Median home value
$269,400
Avg household
2.58
Households w/ children
3,777
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Haven market
$285K → $287K
Winter Haven median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
2 of 8
PEACE CRK RESERVE have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 12% below the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 961 HAROLD PASS
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$252,000
2118 CHRIS DRIVE · same community
3 bd · 2 ba · 1,433 sqft · $176/sqft · 50 DOM
Sold · Apr ’26$250,000
2235 CHRIS DRIVE · same community
3 bd · 2 ba · 1,487 sqft · $168/sqft · 18 DOM
Sold · Aug ’25$265,000
1649 TEAGAN LANE · same community
3 bd · 2 ba · 1,343 sqft · $197/sqft · 92 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 961 HAROLD PASS — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 961 HAROLD PASS — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
961 HAROLD PASS FAQs
What would the monthly payment be for 961 HAROLD PASS?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,317/mo — principal and interest, the actual property-tax bill, the $16/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 961 HAROLD PASS?+
The association fee works out to $16 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 961 HAROLD PASS?+
The most recent tax bill on record (2025) was $6,703. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 961 HAROLD PASS?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Winter Haven?+
At $249,990, this home is listed about 12% below the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 961 HAROLD PASS?+
Elbert Elementary School (elementary), Winter Haven Senior High School (high), Denison Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the WINTER HAVEN 33884 market on paper
$249,990 is 12% below the WINTER HAVEN 33884 median of $285,000.
02Time on market is leverage
106 days on market against a Winter Haven median of 42 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $260,000, now $249,990 — a $10K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LPT REALTY, LLC · Marian Capriles Garcia. MLS #O6397178.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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