$185,000
505 Holt Circle
Winter Haven, FL 33880
Listing updated: May 18, 2026 at 12:54 PM ET
Listing courtesy of Mmv Real Estate Group Llc · Melissa Victor · MLS #O6408441 · Active · 407-437-9754Property type
Year built
Lot size
Price / sq ft
HOA dues
Day on market
Flood zone
About this home
Short Sale. This 4-bedroom, 2-bath home with a versatile bonus room is situated on a desirable corner lot with no HOA restrictions. Featuring a newer roof installed in 2022, this property offers incredible potential for homeowners and investors alike. Conveniently located near major highways, shopping, and grocery stores, the home also provides plenty of outdoor space with endless possibilities to make it your own. Property is subject to third-party lender approval. Don’t miss this great opportunity!
Local Insight
At $142/sqft for a four-bedroom in Jan Phyl Village, this 1974 home is priced right for the Winter Haven market, but you're buying an older property that will likely need updates—the per-square-foot value is there, but factor in potential roof, HVAC, and foundation work typical of homes from this era. The real appeal here is the Jan Phyl location itself: you're in the heart of the Chain of Lakes with zero HOA fees and X flood zone rating, which means lakefront lifestyle and boating access without the premium you'd pay five minutes north in Orange County. Just be clear-eyed that you're trading proximity to Orlando jobs and top-tier schools for that water access and affordability—this works great if you're remote, retired, or working locally, but less so if you're commuting north regularly.
AI-generated insight based on listing data and neighborhood context. Verify independently.
Estimated monthly payment
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 history1 days on market
- Status: ActiveMay 17, 2026
- Listed$185,000May 17, 2026
- Price increased$185,000
Facts & features
- Property type
- Residential
- Sub type
- Single Family Residence
- Status
- Active
- Days on market
- 1
- Subdivision
- Jan Phyl Village
- County
- Polk
- Year built
- 1974
- Living area
- 1,304 sq ft
- Price/sq ft
- $142
- Building area
- 1,663 sq ft (Public Records)
- Lot size
- 10,568 sq ft
- Lot category
- 0 to less than 1/4
- Flood zone
- X (12105C0345G)
- Annual taxes
- $3,187 (2025)
- Parcel #
- 25-28-25-354520-017430
- Zoning
- R-3
- MLS #
- O6408441
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Interior Details
- Bedrooms
- 4
- Full bathrooms
- 2
- Flooring
- Carpet, Laminate
- Appliances
- Dishwasher, Microwave, Range, Refrigerator
- Interior features
- Ceiling Fans(s), Split Bedroom
- Laundry
- Inside
- Stories / Levels
- One
- Direction faces
- North
Heating & Cooling
- Heating
- Electric
- Cooling
- Wall/Window Unit(s)
HOA & Financial
- Total monthly fees
- $0/mo
- Total annual fees
- $0
- CDD
- No
- Min lease term
- No Minimum
- Listing terms
- Cash, Conventional, VA Loan
- Ownership
- Fee Simple
- Available for lease
- Yes
- Lease restrictions
- No
Exterior & Construction
- Exterior features
- Lighting, Sidewalk, Sliding Doors
- Construction materials
- Stucco
- Roof
- Shingle
- Foundation
- Block
- Road surface
- Asphalt
Utilities
- Sewer
- Public Sewer
- Water source
- Public
- Utilities
- Electricity Connected, Sewer Connected
Schools
Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.
Room Details
| Room | Level | Dimensions |
|---|---|---|
| Living Room | First | 12x12 |
| Primary Bedroom | First | 11x13 |
| Bedroom 2 | First | 10x10 |
| Bedroom 3 | First | 10x11 |
| Kitchen | First | 11x12 |
| Bedroom 4 | First | 10x10 |
Listing Details
- Listing date
- 2026-05-15
- On market date
- 2026-05-17
- Original list price
- $185,000
- Occupant type
- Owner
- Special conditions
- Short Sale
- MLS area
- 33880 - Winter Haven/Eloise/JPV/Wahnetta
- Listing AOR
- Orlando Regional
- Status changed
- 2026-05-17
- Tax legal description
- JAN PHYL VILLAGE UNIT NO 14 PB 59 PG 10 BLK Q LOT 43
Flood risk
Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.
Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.
Location
Directions
Starting on Recker Highway, turn onto Hartfield Road, turn left on Totty Street, then turn right on Holt Circle and 505 will be on the corner.
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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 May 18, 2026 at 12:54 PM 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.
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