
503 SWEET BAY CIRCLE, WINTER HAVEN, FL, 33884
Active5 days on marketListed Aug 3, 2026MLS #L4963852
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
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 — not generic estimates.
$1,790 /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
$1,790/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
+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
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)
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
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.
Sold · Nov ’25$130,000
608 SWEET BAY CIRCLE UNIT 608 · same community
2 bd · 2 ba · 1,090 sqft · $119/sqft · 11 DOM
Sold · Mar ’26$207,000
506 SWEET BAY CIRCLE UNIT 506 · same community
2 bd · 2 ba · 1,090 sqft · $190/sqft · 125 DOM
Sold · 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.
Your agent
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 503 SWEET BAY CIRCLE — start here.

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
Pick a day that works — this 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.
Keep looking
Similar homes nearby
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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