226 4TH STREET NE, Winter Haven, FL, 33881 | $204,700

Discover the charm and character of this beautifully maintained historic bungalow located in the heart of Downtown Winter Haven. Filled with personality and original details, this 2-bedroom home offers a warm and inviting atmosphere just moments from lakes, parks, restaurants, and all the conveniences of city living. Step inside to find a bright and spacious living room featuring a classic brick fireplace, built-in shelving, large windows, and gorgeous wood flooring that adds timeless appeal. The open archway leads to a dining area with a built-in hutch, blending vintage elegance with everyday functionality. A standout feature is the fully finished wood-paneled flex room, perfect for a music studio, home office, art space, reading room, or creative retreat—full of natural light and charm. Enjoy peaceful mornings and evenings on the screened front porch, where you can relax with a view of the nearby lake—one of Winter Haven’s many sparkling waterways. The property also features a detached garage equipped with electricity, offering endless possibilities—use it as a workshop, hobby room, storage space, home gym, or transform it into a personalized workspace. Set on a spacious lot with mature landscaping, there is plenty of room for gardening, outdoor seating, pets, or future enhancements. Located just minutes from Lake Howard, Lake Silver, the Chain of Lakes, Central Park, cafés, downtown dining, the public library, and LEGOLAND Florida, this home offers both convenience and charm. Major roads such as US-17, Havendale Blvd, and Cypress Gardens Blvd are close by for easy commuting. Whether you're searching for a cozy retirement home, a fantastic first-home opportunity, or an Airbnb investment in a highly desirable downtown location, this Winter Haven classic delivers character, convenience, and incredible potential.

Features

  • Rooms: 6
  • Bedrooms: 3
  • Baths: 1 full
  • Lot Size: 50 x 100
  • Laundry: Outside
  • Year Built: 1925
  • Heating: Central
  • Cooling: Central Air
  • Approx Sq. Feet: 1,438
  • Acreage: 0.11
  • Lot Size: 50 x 100
  • Est. Taxes: $2,964
  • Appliances: Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer
  • MLS#: S5138680
  • Days on Market: 1 day
  • Website: https://www.raveis.com
    /prop/S5138680/2264thstreetne_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 12/8/2025 6:09:35 PM)
Listing courtesy of META ONE REALTY GROUP LLC   Phone: 407-223-3678

William Raveis Family of Services

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Contact@raveis.com

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Melissa CohnRVP, Mortgage Banker, William Raveis Mortgage, LLC

NMLS Mortgage Loan Originator ID 16953

917.838.7300

Melissa.Cohn@raveis.com

Our Executive Mortgage Banker:

  • Is available to meet with you in our office, your home or office, evenings or weekends
  • Offers you pre-approval in minutes!
  • Provides a guaranteed closing date that meets your needs
  • Has access to hundreds of loan programs, all at competitive rates
  • Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction

Pedro DelgadilloInsurance Sales Director, William Raveis Insurance

305.922.5393

Pedro.Delgadillo@raveis.com

Our Insurance Division:

  • Will Provide a home insurance quote within 24 hours
  • Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
  • Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
    Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable

226 4TH STREET NE, Winter Haven, FL, 33881

$204,700

Customer Service

William Raveis Real Estate

Phone: 888.699.8876

Contact@raveis.com

Melissa Cohn

RVP, Mortgage Banker

William Raveis Mortgage, LLC

Phone: 917.838.7300

Melissa.Cohn@raveis.com

NMLS Mortgage Loan Originator ID 16953

5/6 (30 Yr)
Adjustable Rate Conforming*
30 Year
Fixed-Rate Conforming
15 Year
Fixed-Rate Conforming
Loan Amount $163,760 $163,760 $163,760
Term 360 months 360 months 180 months
Initial Interest Rate** 5.875% 6.375% 5.375%
Interest Rate based on Index + Margin 8.125%
Annual Percentage Rate 6.571% 6.533% 5.668%
Monthly Tax Payment $247 $247 $247
H/O Insurance Payment $75 $75 $75
Initial Principal & Interest Pmt $969 $1,022 $1,327
Total Monthly Payment $1,291 $1,344 $1,649

* 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.