408 MCKAY DRIVE, HAINES CITY, FL, 33844
Active150 days on marketListed Mar 16, 2026MLS #O6383008
About this home
408 MCKAY DRIVE
Opportunity awaits at 408 McKay Drive in Haines City! Situated just steps from beautiful Lake Tracy, this 1920s home is full of character and potential. This 4-bedroom, 2-bath residence features original hardwood floors, a classic fireplace, and a spacious layout ready for your vision and updates. The property sits on five separate lots, offering exceptional flexibility for investors, builders, or buyers looking for extra space and future possibilities. With mature trees and a generous yard, there is plenty of room to expand, reimagine, or create something truly special. This home does require TLC and updates, making it an ideal project for investors, renovators, or buyers looking to restore a historic property to its former charm. A detached two-car garage and additional storage add to the functionality of the property. The property includes 2 separate parcel ids. Could be a great investment for future development and subdividing. Conveniently located near lakes, parks, shopping, dining, and major roadways, this property combines location, land, and potential. Whether you're looking to renovate, invest, or explore development opportunities, this unique property offers endless possibilities.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,136
Sqft
0.77 ac
Lot size
2
Garage
1920
Year built
Two
Levels
$117
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.
$2,178 /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
$2,178/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
−17.8%
$/sqft vs Haines City actives
$117 vs $174
Days on market
150 vs 41 typical
Where $117/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 → $309K
Haines City median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
197 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 15% below the HAINES CITY 33844 median. See the full Haines City market guide →
Paper trail
This home's history
Reality check
What actually sold near 408 MCKAY DRIVE
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$399,000
700 MCKAY DRIVE · same community
5 bd · 4 ba · 3,243 sqft · $123/sqft · 54 DOM
Sold · Jan ’26$440,000
111 AUBURN CT
3 bd · 2 ba · 2,198 sqft · $200/sqft · 66 DOM
Sold · Apr ’26$160,000
118 S 5TH STREET
4 bd · 3 ba · 2,050 sqft · $78/sqft · 34 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 408 MCKAY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 408 MCKAY DRIVE — 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
408 MCKAY DRIVE FAQs
What would the monthly payment be for 408 MCKAY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,178/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 408 MCKAY DRIVE?+
The most recent tax bill on record (2025) was $5,224. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Haines City?+
At $249,999, this home is listed about 20% below the Haines City median of $312,450. The market section on this page shows how the area is trending.
Which schools are assigned to 408 MCKAY 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.
The brief
Three things that matter here
01Under the HAINES CITY 33844 market on paper
$249,999 is 15% below the HAINES CITY 33844 median of $294,999, and at $117/sqft it sits under the Haines City average of $187.
02Time on market is leverage
150 days on market against a Haines City median of 41 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $399,900, now $249,999 — a $150K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY AT THE PARKS · Emily Armstrong. MLS #O6383008.
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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