Dan Schriver
$229,9002 bd2 ba1,090 sqft$211 /sqft$1,790 /mo all-in ↓

503 SWEET BAY CIRCLE, WINTER HAVEN, FL, 33884

Active5 days on marketListed Aug 3, 2026MLS #L4963852

Priced 19% below the WINTER HAVEN 33884 medianCondominiumWINTERSET 01 A CONDO 02 AMD

About this home

503 SWEET BAY CIRCLE

Completely renovated, ground-floor condo with expansive lake views on the Winter Haven Chain of Lakes! Welcome to Winterset, where this beautifully reimagined 2-bedroom, 2-bath residence combines a spacious interior, private screened porch, exceptional water views, and the amenities of one of Winter Haven's most desirable gated communities. From top to bottom the home feels fresh, bright, and remarkably spacious. New flooring flows throughout, complemented by updated lighting, contemporary ceiling fans, modern fixtures, and a crisp neutral palette. The open living and dining areas provide plenty of room to relax and entertain, while large windows frame the expansive lawn and sparkling waters of Lake Winterset beyond. The redesigned kitchen has been expanded for greater functionality and features granite countertops, soft-close cabinetry with crown molding, black appliances, a gas range, dishwasher, generous breakfast bar, and abundant cabinet and counter space. Open to the dining and living areas, it creates an easy flow throughout the main living space. The oversized primary suite is one of the home's standout features, offering beautiful lake views and direct access to the private screened porch—a peaceful spot for morning coffee, an afternoon book, or simply enjoying the breeze and ever-changing colors of sunsets over the water. An exceptionally large walk-in closet provides impressive storage, while the completely renovated en-suite bath features a double vanity with undermount sinks and granite countertop, updated fixtures, and a frameless glass walk-in shower surrounded by custom tile. Positioned separately from the primary suite, the spacious second bedroom offers two closets and convenient access to the beautifully renovated guest bath, complete with granite-topped vanity and custom-tiled tub and shower. The thoughtful layout also includes an interior laundry area and additional storage. Beyond the residence, Winterset delivers the Florida lifestyle buyers come here to enjoy. Residents have access to a heated lakefront swimming pool and spa, clubhouse, tennis and pickleball courts, shuffleboard, and a private boat ramp with direct access to the Winter Haven Chain of Lakes—opening the door to boating, fishing, water skiing, sunset cruises, and waterfront dining. Shopping, restaurants, medical facilities, LEGOLAND Florida Resort, and downtown Winter Haven are all just minutes away, while convenient routes toward Tampa and Orlando make the location equally appealing for everyday living and weekend adventures. Beautifully renovated, ground-floor living, an unusually spacious primary suite, private screened porch, resort-style amenities, Chain of Lakes access, and a gorgeous water view right outside your windows—this is the kind of Winter Haven condo that's easy to fall in love with.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,090

Sqft

0.02 ac

Lot size

1985

Year built

One

Levels

$211

Per sqft

Water viewPets allowed

Inside

FlooringLuxury Vinyl
AppliancesDishwasher · Disposal · Gas Water Heater · Microwave · Range · Refrigerator
InteriorCeiling Fan(s) · Stone Counters · Walk-In Closet(s)
LaundryInside · Laundry Closet
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofTile
ConstructionBlock · Stucco
FoundationSlab
ViewWater
FacesEast
ParkingAssigned · Guest
ExteriorSliding Doors

Community & fees

Taxes (2025)$2,104/yr
PetsYes
CommunityCommunity Boat Ramp · Water Access · Waterfront · Clubhouse · Community Mailbox · Gated Community - No Guard · Pool · Tennis Court(s)

Utilities & systems

UtilitiesCable Available · Electricity Connected · Natural Gas Connected · Sewer Connected · Water Connected
WaterPublic

The numbers

What it really costs

Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.

$1,790 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,353
FHA mortgage insurance (est.)$102
Property tax — 2025 actual bill$175
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $8,047Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $8,047
Interest rate6.00%
Loan term

Estimated payment

$1,790/mo

Principal & interest$1,353
FHA mortgage insurance (est.)$102
Property taxes (actual bill)$175
Est. insurance$160

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.

List $230K
$161KedgeAI estimate $189,190 · range $168K$204K$239K

vs edgeAI estimate

+21.5%

$/sqft vs Winter Haven actives

$211 vs $170

Days on market

5 vs 48 typical

Where $211/sqft sits among the 400 Winter Haven actives

56
79
115
83
34 · this home
33
$109–133$133–157$157–180$180–204$204–228$228+

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

Map of 503 SWEET BAY CIRCLE

Drive times from this address

Walt Disney World44 min
Universal Orlando54 min
Downtown Orlando60 min
Downtown Tampa63 min
Orlando Int’l Airport (MCO)65 min
Tampa Int’l Airport (TPA)74 min

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

ElementaryElbert Elementary School★★★★
HighWinter Haven Senior High School★★★★★
MiddleDenison Middle School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Winter Haven market

Seller’s marketBalanced5.2 months of inventoryBuyer’s market

$283K$280K

Winter Haven median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

194 of 400

Winter Haven actives have cut their price

Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 19% below the WINTER HAVEN 33884 median. See the full Winter Haven market guide →

Paper trail

This home's history

Aug 3, 2026Listed at $229,900 · 5 days on market since
1985Built · WINTERSET 01 A CONDO 02 AMD

Reality check

What actually sold near 503 SWEET BAY CIRCLE

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

608 SWEET BAY CIRCLE UNIT 608Sold · Nov ’25

$130,000

608 SWEET BAY CIRCLE UNIT 608 · same community

2 bd · 2 ba · 1,090 sqft · $119/sqft · 11 DOM

506 SWEET BAY CIRCLE UNIT 506Sold · Mar ’26

$207,000

506 SWEET BAY CIRCLE UNIT 506 · same community

2 bd · 2 ba · 1,090 sqft · $190/sqft · 125 DOM

603 SWEET BAY CIRCLE UNIT 603Sold · Aug ’25

$160,000

603 SWEET BAY CIRCLE UNIT 603 · same community

2 bd · 2 ba · 1,090 sqft · $147/sqft · 200 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.

Dan Schriver

Your agent

Dan Schriver

REALTOR® · CENTURY 21 Edge

Tours, negotiation, and every question about 503 SWEET BAY CIRCLE — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 503 SWEET BAY CIRCLE — before you fall in love.

See it in person

Schedule a tour

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Goes straight to Dan’s phone and CRM.

Straight answers

503 SWEET BAY CIRCLE FAQs

What would the monthly payment be for 503 SWEET BAY CIRCLE?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,790/mo — principal and interest, the actual property-tax bill 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.

What are the property taxes on 503 SWEET BAY CIRCLE?+

The most recent tax bill on record (2025) was $2,104. 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 503 SWEET BAY CIRCLE?+

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 $229,900, this home is listed about 19% 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 503 SWEET BAY CIRCLE?+

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

$229,900 is 19% below the WINTER HAVEN 33884 median of $284,900.

02Water views

The water view is part of what you're buying — views hold value independently of the structure.

03Fresh on the market

Only 5 days on market in a Winter Haven market that averages 48 — if it fits, move quickly.

Listing courtesy of THE STONES REAL ESTATE FIRM · Michael Stone. MLS #L4963852.

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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