2944 PALM CIRCLE, HAINES CITY, FL, 33844
Active4 days on marketListed Aug 4, 2026MLS #S5155021
About this home
2944 PALM CIRCLE
MOTIVATED SELLER! Seller Financing Available. Discover the perfect blend of waterfront living, modern updates, and outstanding investment potential with this beautifully renovated canal-front home offering direct access to the 2,000-acre private Lake Lowery. Whether you're searching for a full-time residence, a peaceful weekend fishing retreat, or a profitable short-term or long-term rental opportunity, this move-in-ready property delivers exceptional value and lifestyle. Inside, you'll find a bright, modern interior featuring luxury vinyl plank flooring throughout, a beautifully remodeled kitchen, two fully renovated bathrooms, updated lighting and electrical fixtures, and fresh interior paint, creating a clean and inviting space ready for its new owner. This home has been thoughtfully upgraded for comfort, efficiency, and peace of mind, including: New roof (2024), Energy-efficient A/C system (2021), Hot water heater (2021), Upgraded Insulation (2021), Newer septic system (2021), Hurricane strapping and stabilizers (2025) The exterior is equally impressive with fresh exterior paint, updated skirting, a paved driveway (2024), spacious deck overlooking the tranquil canal—perfect for relaxing, entertaining, or enjoying peaceful waterfront views. Add your own dock and enjoy quick access to Lake Lowery, a private 2,000-acre lake for excellent fishing, boating, and outdoor recreation. Conveniently located just minutes from Central Florida's world-famous attractions, shopping, restaurants, and everyday conveniences, this property offers the perfect balance of peaceful waterfront living and easy access to everything the area has. Whether you're looking for your next home, a vacation getaway, or an income-producing investment, this beautifully updated waterfront property is an opportunity you won't want to miss. Schedule your private showing today!
Facts & features
The home at a glance
2
Bedrooms
1.5
Bathrooms
672
Sqft
0.27 ac
Lot size
1973
Year built
One
Levels
$201
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record — not generic estimates.
$1,156 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$1,156/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs N/A
$201 vs $284
Days on market
4 vs 42 typical
Where $201/sqft sits among the 240 homes for sale in N/A
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Haines City
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Haines City. See the full Haines City guide →
HAINES CITY 33844 — neighborhood snapshot
Population
49,133
Median age
39.4
Median income
$60,426
Median home value
$212,700
Avg household
2.9
Households w/ children
5,568
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Haines City market
$319K → $300K
Haines City median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
106 of 240
N/A have cut their price
Median sold price, Haines City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 54% below the HAINES CITY 33844 median. See the full Haines City market guide →
Paper trail
This home's history
Reality check
What actually sold near 2944 PALM CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$247,000
1074 EMPORIA ROAD · same community
2 bd · 1 ba · 716 sqft · $345/sqft · 11 DOM
Sold · Dec ’25$130,000
5640 SW 57TH AVENUE · same community
2 bd · 1 ba · 756 sqft · $172/sqft · 78 DOM
Sold · Dec ’25$168,500
12860 SW 174TH STREET · same community
3 bd · 1 ba · 816 sqft · $206/sqft · 83 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Rui Ma
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 2944 PALM CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2944 PALM CIRCLE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Rui's phone and CRM.
Straight answers
2944 PALM CIRCLE FAQs
What would the monthly payment be for 2944 PALM CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,156/mo — principal and interest, the actual property-tax bill and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
What are the property taxes on 2944 PALM CIRCLE?+
The most recent tax bill on record (2025) was $1,697. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Haines City?+
At $135,000, this home is listed about 57% below the Haines City median of $311,390. The market section on this page shows how the area is trending.
Which schools are assigned to 2944 PALM CIRCLE?+
Alta Vista Elementary School (elementary), Haines City Senior High School (high), Shelley S. Boone Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the HAINES CITY 33844 market on paper
$135,000 is 54% below the HAINES CITY 33844 median of $294,644.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 4 days on market in a Haines City market that averages 42 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of NEW FOUNDATION REALTY LLC. MLS #S5155021.
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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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