981 HAROLD PASS, WINTER HAVEN, FL, 33884
Active0 days on marketListed Aug 6, 2026MLS #O6429236
About this home
981 HAROLD PASS
Welcome to 981 Harold Pass, a beautifully designed 4-bedroom, 2.5-bath home offering the perfect blend of style, space, and comfort. The open-concept floor plan features a spacious kitchen with a large center island, abundant cabinetry, a generous pantry, and seamless flow into the dining and living areas. Sliding glass doors lead to a covered lanai, perfect for enjoying Florida living. Upstairs, the private owner's suite features a walk-in closet, dual vanities, and a walk-in shower, along with three additional bedrooms, a versatile loft, and a conveniently located laundry room. Currently tenant-occupied, this property presents an excellent opportunity for investors looking to generate immediate rental income. Conveniently located in Peace Creek Reserve with easy access to shopping, dining, schools, and everything Winter Haven has to give Schedule your private showing today and discover the potential this exceptional property has to bring!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
1,879
Sqft
0.11 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$162
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.
$2,737 /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
$2,737/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
+3.4%
Days on market
0 vs 48 typical
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
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 7% above the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 981 HAROLD PASS — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 981 HAROLD PASS — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
981 HAROLD PASS FAQs
What would the monthly payment be for 981 HAROLD PASS?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,737/mo — principal and interest, the actual property-tax bill, the $78/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 981 HAROLD PASS?+
The association fee works out to $78 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 981 HAROLD PASS?+
The most recent tax bill on record (2025) was $6,828. 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 981 HAROLD PASS?+
The listing reports pets: Dogs OK. 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 $305,000, this home is listed about 7% above the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 981 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.
Listing courtesy of GLASSTONE GROUP INC · Ashley Porto. MLS #O6429236.
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.
Never miss a listing
New Winter Haven homes, in your inbox
Like 981 HAROLD PASS but not quite? A daily digest of every new listing in Winter Haven — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Nicholas to ping you on any price or status change →