430 PANARO LANE, HAINES CITY, FL, 33844
Active2 days on marketListed Aug 12, 2026MLS #O6433008
About this home
430 PANARO LANE
Short Sale. Built in 2023, this beautifully designed 3-bedroom, 2-bath home. Step inside to discover soaring ceilings, an expansive open-concept floor plan, and an abundance of natural light that creates a bright and welcoming atmosphere. The spacious kitchen features a large center island, stainless steel appliances, generous cabinet and countertop space, a walk-in pantry, and seamless views of the dining and living areas. The private owner's suite offers a peaceful retreat with a spacious en-suite bath and walk-in closet, while the split-bedroom layout provides added privacy for family or guests. Enjoy relaxing outdoors on the covered lanai overlooking the backyard, with plenty of room to personalize your outdoor living space. Additional highlights include a dedicated laundry room, a two-car garage, and modern finishes throughout. Magnolia Park residents enjoy a community pool, playground, and dog park, all conveniently located near shopping, dining, schools, and major highways for an easy commute throughout Central Florida. Don't miss this opportunity to own a nearly new home in one of Haines City's fastest-growing communities.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,970
Sqft
0.13 ac
Lot size
2
Garage
2023
Year built
One
Levels
$129
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.
$2,526 /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
$2,526/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
−19.4%
$/sqft vs MAGNOLIA PARK PH 1 & 2
$129 vs $192
Days on market
2 vs 41 typical
Where $129/sqft sits among the 7 homes for sale in MAGNOLIA PARK PH 1 & 2
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 → $305K
Haines City median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
2 of 7
MAGNOLIA PARK PH 1 & 2 have cut their price
Median sold price, Haines City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 14% 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 430 PANARO LANE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$345,000
763 STAFFORA STREET · same community
4 bd · 3 ba · 2,080 sqft · $166/sqft · 31 DOM
Sold · Oct ’25$323,000
1006 BREGGIA COURT · same community
4 bd · 2 ba · 1,848 sqft · $175/sqft · 61 DOM
Sold · Jul ’26$300,000
489 PANARO LANE · same community
4 bd · 2 ba · 1,703 sqft · $176/sqft · 57 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 430 PANARO LANE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 430 PANARO LANE — 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
430 PANARO LANE FAQs
What would the monthly payment be for 430 PANARO LANE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,526/mo — principal and interest, the actual property-tax bill, the $21/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 430 PANARO LANE?+
The association fee works out to $21 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 430 PANARO LANE?+
The most recent tax bill on record (2025) was $8,770. 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 430 PANARO LANE?+
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 $255,000, this home is listed about 19% 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 430 PANARO LANE?+
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 ODRY VARGAS REALTY GROUP · Odry Vargas. MLS #O6433008.
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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