3041 TOBAGO DRIVE, HAINES CITY, FL, 33844
Active12 days on marketListed Jul 31, 2026MLS #O6429208
About this home
3041 TOBAGO DRIVE
Welcome to this beautifully maintained, modern home located in the desirable Hammock Reserve community in Haines City. Offering the perfect combination of style, comfort, and functionality, this move-in-ready residence features 3 spacious bedrooms, 2 full bathrooms, and an inviting open-concept layout designed for today's lifestyle. From the moment you arrive, you'll appreciate the attractive curb appeal, highlighted by a landscaped front yard and a charming covered front porch. Inside, abundant natural light fills the living spaces, while large sliding glass doors seamlessly connect the living and dining areas to the expansive, fully fenced backyard with a covered lanai—an ideal setting for outdoor dining, entertaining, or simply relaxing in complete privacy. The modern kitchen is the heart of the home, featuring a large center island, generous countertop space, ample cabinetry, and a full suite of appliances, making it perfect for everyday living and hosting family and friends. The spacious primary suite offers a peaceful retreat with a walk-in closet and a private en-suite bathroom complete with dual vanities. Two additional bedrooms provide flexibility for family, guests, or a home office. A two-car garage adds convenience and extra storage. Residents of Hammock Reserve enjoy wonderful community amenities, including a resort-style swimming pool, playground, dog park, and sidewalks throughout the neighborhood, creating a welcoming environment for families and outdoor activities. Ideally located, this home is just minutes from US-27 and offers easy access to I-4, providing convenient travel to Orlando, Tampa, and Central Florida's world-famous attractions. You'll also be close to shopping, restaurants, schools, medical facilities, golf courses, Posner Park Shopping Mall, Lake Eva Community Park, Walt Disney World, and a variety of lakes perfect for boating and fishing. This exceptional home combines modern design, an outstanding location, and fantastic community amenities. Don't miss this incredible opportunity to own a beautiful home in one of Haines City's fastest-growing communities! The home is equipped with a leased solar energy system. Buyer to assume the solar lease at closing.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,669
Sqft
0.13 ac
Lot size
2
Garage
2024
Year built
One
Levels
$185
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.
$2,797 /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
$2,797/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
+10%
$/sqft vs Haines City actives
$185 vs $174
Days on market
12 vs 41 typical
Where $185/sqft sits among the 399 Haines City actives
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 Haines City
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Haines City. See the full Haines City guide →
HAINES CITY 33844 — neighborhood snapshot
Population
49,133
Median age
39.4
Median income
$60,426
Median home value
$212,700
Avg household
2.9
Households w/ children
5,568
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Haines City market
$319K → $303K
Haines City median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
193 of 399
Haines City actives have cut their price
Median sold price, Haines City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 5% above the HAINES CITY 33844 median. See the full Haines City market guide →
Paper trail
This home's history
Reality check
What actually sold near 3041 TOBAGO DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$322,780
2517 TRINIDAD ROAD · same community
4 bd · 3 ba · 1,828 sqft · $177/sqft · 0 DOM
Sold · Apr ’26$250,000
627 WATERCREST DRIVE
2 bd · 2 ba · 1,671 sqft · $150/sqft · 10 DOM
Sold · Nov ’25$235,900
633 WATERCREST DRIVE
2 bd · 2 ba · 1,673 sqft · $141/sqft · 164 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 3041 TOBAGO DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3041 TOBAGO DRIVE — 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
3041 TOBAGO DRIVE FAQs
What would the monthly payment be for 3041 TOBAGO DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,797/mo — principal and interest, the actual property-tax bill, the $53/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 3041 TOBAGO DRIVE?+
The association fee works out to $53 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3041 TOBAGO DRIVE?+
The most recent tax bill on record (2025) was $7,539. 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 3041 TOBAGO DRIVE?+
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 Haines City?+
At $308,999, this home is listed about 1% below the Haines City median of $312,900. The market section on this page shows how the area is trending.
Which schools are assigned to 3041 TOBAGO DRIVE?+
Alta Vista Elementary School (elementary), Haines City Senior High School (high), Shelley S. Boone Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of WRA BUSINESS & REAL ESTATE · Alejandra Gonzalez Soto. MLS #O6429208.
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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