Single Family Residence at 2221 20TH ST NW, WINTER HAVEN
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32 photos

$319,999

2221 20TH ST NW
WINTER HAVEN, FL 33881
Listed by Stetson Russell
Bedrooms
4
Bathrooms
2
Living area
1,727 sqft
Year built
1956

About this home

This beautifully updated 4-bedroom, 2-bath home offers the perfect blend of modern comfort and classic Florida living. Located directly across from the Lake Hartridge boat ramp and Lake Hartridge Nature Park, you’ll enjoy instant access to the Winter Haven Chain of Lakes—one of Central Florida’s most desirable waterways for boating, fishing, and recreation. Inside, every detail has been refreshed, featuring new finishes, an updated kitchen and baths, modern flooring, and stylish fixtures throughout. All windows and doors have been replaced, offering enhanced energy efficiency, comfort, and peace of mind. The open-concept layout creates a warm, welcoming flow, ideal for entertaining or relaxing after a day on the water. Outside, the spacious yard provides plenty of room to park your boats or outdoor toys, and the property includes its own private well for irrigation, keeping your lawn lush and green year-round. With its unbeatable location and move-in ready condition, this home is perfect for anyone looking to embrace the lake lifestyle without sacrificing comfort or convenience.

Highlights

Fireplace

Property details

MLS #
MFRP4936782
Property type
Single Family Residence
Subdivision
ORANGE SHORES
Status
Active
Days on market
313
On market date
October 23, 2025
Stories
N/A
Total bathrooms
2
Garage spaces
N/A
Parking spaces
N/A
Lot size
0.36 acres
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Nearby schools

Within 10 miles. School directory data from the National Center for Education Statistics (NCES), accessed via the Urban Institute Education Data API. Local Score is calculated by INNOVATE Real Estate; where a state rating is shown, it comes from that state's own official school report card (e.g. NC Dept. of Public Instruction, SC Report Card).

Elementary
FRED G. GARNER ELEMENTARY SCHOOL
0.55 mi away · Grades -1-5
Nearest school -- attendance-zone data not available here
3.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
868
Student:teacher ratio
17.7:1
District
POLK
Middle
WESTWOOD MIDDLE SCHOOL
1.63 mi away · Grades 6-8
Nearest school -- attendance-zone data not available here
2.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
807
Student:teacher ratio
20.7:1
District
POLK
HighCharter
NEW BEGINNINGS HIGH SCHOOL
1.21 mi away · Grades 6-12
Nearest school -- attendance-zone data not available here
1.0
Local Score (student-teacher ratio only (preliminary -- will incorporate state test-score data once available)) -- not an official state rating
Enrollment
671
Student:teacher ratio
39.5:1
District
POLK

Walkability

Blended score for WINTER HAVEN's center, calculated by INNOVATE Real Estate from two sources: the EPA's National Walkability Index (street network, transit, land-use mix) and Google Places amenity data (what's actually reachable on foot from this point). 60% EPA National Walkability Index + 40% nearby-amenity density (Google Places).

74
Walkable
out of 100
EPA National Walkability Index
13.2 / 20 -- Above average walkable
Google Places amenity density
85 / 100
Restaurants & cafes12
Grocery stores2
Parks3
Schools4
Transit stops16
Pharmacies1

Market position

How this listing compares to current activity in WINTER HAVEN, from live MLS data.

On the market 313 days -- 219 more days than WINTER HAVEN's current average of 94 days.
For reference, the median list price across 1,269 active listings in WINTER HAVEN right now is $247,500.

Mortgage calculator

Estimate only - actual rate and payment depend on your lender, credit, and loan program.

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Est. monthly payment
$2,077/mo
$64,000 down
$255,999 loan
Principal & interest$1,660
Property tax (est.)$267
Home insurance (est.)$150

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Data source: Listing information provided by Stellar MLS (mfrmls) via Trestle/CoreLogic. Last updated September 2, 2026.

Information herein deemed reliable but not guaranteed; all measurements, school assignments, HOA fees, taxes, and feature lists are approximate and should be independently verified. Equal Housing Opportunity.