104 AVENUE K NE, Winter Haven, FL, 33881 | $223,000

Your next professional office, medical suite, or live-work space in the heart of the city's Medical District awaits. Zoned MX (Mixed Use), this updated concrete block building offers flexibility for commercial, residential, or combined use. With approximately 1, 191 square feet of updated interior space, this property is ideal for small business owners, independent practitioners, or investors looking for a centrally located, turnkey office near Winter Haven Hospital, Polk State College, and downtown amenities. The home on the corner is currently used for a commercial business.

Step inside to find a light and bright layout with fresh interior paint, luxury vinyl plank flooring throughout, and abundant natural light—creating a clean and professional feel. The spacious front room is perfect for a reception area or conference space, while the adjacent formal dining area could easily function as a team meeting room or second office. The updated kitchen features granite countertops, white cabinetry, open shelving, a deep teal subway tile backsplash, and stainless steel appliances—including a 2023 refrigerator. This space could serve as a break room or kitchenette for staff or clients.

The three additional rooms—each with ceiling fans and windows—are ideal for use as private offices, treatment rooms, or traditional bedrooms if kept as residential. The full bathroom has been completely renovated with stylish tile, a new vanity, and modern finishes. Toward the back, the enclosed Florida room provides a perfect flex space for waiting clients, telehealth services, or even an on-site studio or consultation area.

Extensive updates make this a worry-free investment: new roof (2023), updated electrical panel and wiring (2023), new PVC plumbing (2025), and a brand-new tankless Rheem water heater (2025). The exterior features a fully fenced backyard with paver patio, shaded sitting areas, and a detached block shed that currently houses the laundry and additional storage—ideal for maintenance tools or file storage. There is ample space for parking or potential reconfiguration to suit commercial needs.

Located on a freshly resurfaced street (2024) with no HOA, this location offers excellent visibility, walkability, and access. It’s just steps from the Winter Haven Hospital campus, medical offices, downtown retail, public transportation, and recreational lakes. Whether you're a business owner looking for an affordable office alternative, a practitioner wanting to be close to the medical hub, or an investor seeking a unique income property—this one offers flexibility and value.

Click on the Virtual Tour for your 24/7 digital walkthrough or schedule your private showing today. 104 Avenue K NE is ready for your next big move—commercial, residential, or both.

Features

  • Property Type: Mixed Use
  • Construction: Block
  • Utilities: BB/HS Internet Capable, Phone Available, Public, Water Connected
  • Levels: 1
  • Heating: Central
  • Cooling: Central Air
  • Lot Size: 71 x 85
  • Year Built: 1946
  • Approx Sq. Feet: 1,190
  • Acreage: 0.14
  • Est. Taxes: $1,783
  • Appliances: Dishwasher, Dryer, Microwave, Refrigerator, Washer
  • MLS#: P4935797
  • Days on Market: 181 days
  • Website: https://www.raveis.com
    /prop/P4935797/104avenuekne_winterhaven_fl?source=qrflyer
This information is deemed reliable, but not guaranteed. The data relating to real estate displayed on this Site comes in part from the IDX Program of MFRMLS (My Florida Regional MLS DBA Stellar MLS). The information being provided is 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. (last updated 2/9/2026 10:47:08 PM)

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NMLS Mortgage Loan Originator ID 130058

203.952.8600

Joseph.Mollica@raveis.com

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104 AVENUE K NE, Winter Haven, FL, 33881

$223,000

The Phyllis Doonan Team

Sales Associates

William Raveis Real Estate

Phone: 203.428.1703

Phyllis.Doonan@raveis.com

Joseph Mollica

VP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 203.952.8600

Joseph.Mollica@raveis.com

NMLS Mortgage Loan Originator ID 130058

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $178,400 $178,400 $178,400
Term 360 months 360 months 180 months
Initial Interest Rate** 5.375% 6.000% 5.250%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.149% 6.178% 5.541%
Monthly Tax Payment $149 $149 $149
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $999 $1,070 $1,434
Total Monthly Payment $1,223 $1,294 $1,658

* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.

** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.

The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change.