148 HILLTOP BLOOM LOOP, HAINES CITY, FL, 33844
Active109 days on marketListed Apr 15, 2026MLS #L4960976
About this home
148 HILLTOP BLOOM LOOP
One or more photo(s) has been virtually staged. HUGE PRICE DROP! Welcome to this beautifully built 2024 home in the Seasons at Hilltop community in Haines City. Located in a USDA-eligible area, offering potential zero down financing for qualified buyers, this 4-bedroom, 2-bath home combines modern style with everyday comfort. Step inside to a bright, open floor plan with high ceilings that create a spacious and airy feel throughout. The kitchen stands out with quartz countertops, stainless steel appliances, recessed lighting, and a layout that opens directly to the dining and living areas—perfect for entertaining or everyday living. Ceramic tile runs throughout the main living areas, with carpet in the bedrooms for added comfort. The primary suite is a true retreat, offering a spacious layout with a luxurious feel, a huge walk-in closet, and a beautifully designed en-suite bathroom featuring dual sinks and a sleek stand-up shower. Additional highlights include a 2-car garage with brand new epoxy flooring, adding both durability and a clean, polished look. Located in an HOA community across from a ranch, this home offers a peaceful setting while still being conveniently located. You’re just minutes from shopping and dining at Posner Park, and a short drive to Legoland and Peppa Pig Theme Park. Easy access to major highways makes commuting simple. Move-in ready and designed with modern living in mind—this is one you don’t want to miss.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,928
Sqft
0.14 ac
Lot size
2
Garage
2024
Year built
One
Levels
$166
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 and the real association fee — not generic estimates.
$2,727 /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
$2,727/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.
vs edgeAI estimate
+2.7%
$/sqft vs Haines City actives
$166 vs $172
Days on market
109 vs 36 typical
Where $166/sqft sits among the 400 Haines City actives
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.
The investor lens
Two ways this home pays
This home sits inside Seasons, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental · projected
$41,276/yr gross
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,100/mo median
Live Haines City rental listing data — this home’s rate depends on size, condition and furnishing.
The Florida short-term market
▼ Softening40%
Occupancy
▼ 33% yr/yr
$210
Avg nightly rate
▲ 4% yr/yr
$17K/yr
Revenue per listing
$87
RevPAR
69 days
Booking lead time
6.4 nights
Avg stay
3
Typical min nights
447
Active rentals
▼ 5% supply
Seasonality — monthly occupancy
Peaks at 57% in Mar · bottoms at 29% in Sep
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Florida — the projection above is specific to this home’s size.
Where it sits
Inside Seasons
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Seasons is a short-term-rental community. See the full 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
$311K → $320K
Haines City median sold, yr/yr
98.5%
Sale-to-list ratio (12 mo)
178 of 400
Haines City actives have cut their price
Median sold price, Haines City, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 8% above the HAINES CITY 33844 median. See the full Haines City market guide →
Paper trail
This home's history
Reality check
What actually sold near 148 HILLTOP BLOOM LOOP
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$270,000
221 HILLTOP BLOOM LOOP · same community
3 bd · 2 ba · 1,716 sqft · $157/sqft · 140 DOM
Sold · Dec ’25$299,900
1415 SWAN LAKE CIRCLE
5 bd · 3 ba · 1,975 sqft · $152/sqft · 38 DOM
Sold · Aug ’25$250,000
5005 H L SMITH ROAD
4 bd · 2 ba · 2,052 sqft · $122/sqft · 235 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
Jessica Torres
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 148 HILLTOP BLOOM LOOP — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 148 HILLTOP BLOOM LOOP — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Jessica's phone and CRM.
Straight answers
148 HILLTOP BLOOM LOOP FAQs
What would the monthly payment be for 148 HILLTOP BLOOM LOOP?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,727/mo — principal and interest, the actual property-tax bill, the $67/mo association fee 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.
How much are the HOA fees at 148 HILLTOP BLOOM LOOP?+
The association fee works out to $67 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 148 HILLTOP BLOOM LOOP?+
The most recent tax bill on record (2025) was $5,695. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 148 HILLTOP BLOOM LOOP be rented short-term?+
Yes — this home sits inside Seasons, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 148 HILLTOP BLOOM LOOP?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Haines City?+
At $319,990, this home is listed about 2% above the Haines City median of $314,900. The market section on this page shows how the area is trending.
Which schools are assigned to 148 HILLTOP BLOOM LOOP?+
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
01Zoned for nightly rentals
Seasons is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
02Time on market is leverage
109 days on market against a Haines City median of 36 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $339,990, now $319,990 — a $20K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY SMART 1 · David Small. MLS #L4960976.
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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