521 20th Street, FL
Stellar MLS

$1,175

521 20th Street

Winter Haven, FL 33880

Listing updated: June 7, 2026 at 11:54 AM ET

Active
2
Beds
2
Baths
2,732
Sq Ft
0.27
Acres
1971
Built
$0/sqft360° tour
Apartment

Property type

1971

Year built

11,552 sqft

Lot size

$0

Price / sq ft

No HOA

HOA dues

32

Days on market

About this home

Winter Haven.. private home with rental unit. Only mins walk to Food and shopping, Lake Howard and Lake Howard Nature Park This unit is currently available for June 1 .Plenty of windows, enclosed/covered porch, sccond floor unit Only minutes from major shopping and dining, and directly across from Lake Howard. This one bedroom unit is ground floor has large living space. Open floor plan with eat-in space in kitchen. Kitchen includes all appliances. Additional items include access to Laundry room with washer/dryer. Plenty of parking including one covered space available for this unit. Great quiet location

Local Insight

This 1971 apartment is priced unusually low even for Winter Haven's value market, so verify what that $0/sqft listing actually means — whether it's a data error or reflects serious deferred maintenance or title issues that could affect financing and resale. The 2,732 sqft footprint is substantial for a two-bed, which suggests either odd layout or shared common areas typical of older lakefront complexes; confirm whether you're getting actual living space or if HOA-free means you're on the hook for your share of building upkeep. If this pencils out legitimately, location on the Chain of Lakes system is genuinely strong for retirees or STR investors, but get a recent inspection and clarify what condition issues are priced into that suspiciously low number.

AI-generated insight based on listing data and neighborhood context. Verify independently.

Estimated monthly payment

Principal & interest$6
Property taxes$1
Home insurance (est.)$1

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history32 days on market

  1. Status: Active
    May 11, 2026
  2. Listed$1,275
    Apr 11, 2026
  3. Price reduced$1,175

Virtual Tour

Facts & features

Property type
Residential Lease
Sub type
Apartment
Status
Active
Days on market
32
Subdivision
Lake Howard Cove Pines N Sec Rep
County
Polk
Year built
1971
Living area
2,732 sq ft
Price/sq ft
$0
Building area
740 sq ft (Estimated)
Lot size
11,552 sq ft
Parcel #
26-28-30-638000-001040
MLS #
R4911037

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Interior Details

Bedrooms
2
Full bathrooms
2
Appliances
Dishwasher, Dryer, Electric Water Heater, Range, Refrigerator, Washer
Interior features
Eat-in Kitchen, Kitchen/Family Room Combo, Open Floorplan, Primary Bedroom Main Floor, Window Treatments
Laundry
Laundry Room
Stories / Levels
One

Heating & Cooling

Heating
Central
Cooling
Central Air

Parking

Attached garage
Yes
Carport
Yes

HOA & Financial

Total monthly fees
$0/mo
Total annual fees
$0

Exterior & Construction

Road surface
Asphalt

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
Public

Community

Pets allowed
No

Listing Details

Listing date
2026-04-11
On market date
2026-04-11
Original list price
$1,275
Occupant type
Tenant
MLS area
33880 - Winter Haven/Eloise/JPV/Wahnetta
Listing AOR
Other
Status changed
2026-05-11

Location

Directions

route 17 to Ave D nw... toward lake Howard to lefft south on Lake Howard dr sw to Ave F sw to20th st home at the intersection

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MLS GRID

Listings courtesy of Stellar MLS as distributed by MLS GRID

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.

Based on information submitted to the MLS GRID as of June 7, 2026 at 11:54 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

Ryan Solberg, Broker · MaxLife Realty LLC · FL License #BK3354351 · Equal Housing Opportunity · Full disclaimer · DMCA