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620 Terrace Ridge Cir #620, Davenport, FL, 33896

2beds
2baths
1,261sqft
$180,000
$143price/sqft
$1,305/moest. monthly cost
$52,200/yrincome needed

About This Home

One or more photo(s) has been virtually staged. Looking for a condo in a Hot location! Easy access to highways, Championsgate area shopping and restaurants, WDW and more! This condo building was built as an actual CONDO/Block and stucco, not a CONDO Conversion AKA. apartment Bldg. converted. Each building has an elevator for easy access to 2nd and 3rd floors! This barely lived in 3rd floor unit features 10 ft ceilings and 9 ft doors. It has a new marble backsplash, freshly painted, new Hot Water Tank and Appliances. There are several large closets, a kitchen pantry and a laundry room! Check out this tucked away condo community, Terrace Ridge/Davenport with easy, convenient access to the highways, parks, restaurant, Champions Gate area and more! Terrace Ridge is a gated complex with well appointed amenities, Pool, Clubhouse, Volleyball, Fitness and includes basic Cable/Internet, Water & Trash service.

Getting Around

5
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

2/10
3/10
2/10
Davenport High SchoolGrades 9-121.6 mi

Construction

Condition

  • Year built: 2005

Materials

  • Foundation: Slab
  • Roof: Shingle
  • Construction materials: Block,Stucco

Other

  • Builder name: DR Horton/Block Construction

Type & Style

  • Home type: Condo
  • Architectural style: Florida
  • Property subType: Condominium

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Microwave,Range,Refrigerator,Washer
  • Laundry features: Laundry Room

Bedroom2

  • Features: Built-in Closet
  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: First

Features

  • Solid Wood Cabinets
  • Door features: Sliding Doors
  • Flooring: Ceramic Tile,Laminate
  • Common walls with other units/homes: Corner Unit

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,341
  • Total interior livable area: 1,261 sqft

Kitchen

  • Features: Pantry
  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Features: En Suite Bathroom,Walk-In Closet(s)
  • Level: First

Property

Details

  • Parcel number: 272602701011001360
  • Attached to another structure: Yes
  • Zoning: R-1
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered
  • Exterior features: Sidewalk
  • Has view: Yes
  • View description: Park/Greenbelt
  • Residential vegetation: Mature Landscaping

Lot

  • Lot size: 684 sqft
  • Features: Greenbelt,In County

Parking

  • Parking features: Open
  • Has uncovered spaces: Yes

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningVery High
  • Strong Wind
    Strong WindVery High
  • Hurricane
    HurricaneRelatively High
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Tornado
    TornadoModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Lightning
Strong Wind
Hurricane
Heat Wave
Inland Flooding
Tornado
Wildfire

FEMA Declared Disasters in Polk County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $910$10,920
Home Insurance *$89$1,068
Property Taxes $109$1,308
Electricity $197$2,366
Total$1,305$15,660
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$44,742/yr
40% on housing$39,150/yr
45% on housing$34,800/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 11.8%
11.8%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 6.0%
6.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$143This listing

vs Other Active Listings

Avg $/sqft

ZIP 33896$177
Polk County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 33896$184
Polk County$179

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-15Listed for sale$180,000
2021-06-11Sold$160,000
2012-04-06Listing removed$87,500
2012-01-26Listed for sale$87,500

For Sale by Agent

AgentSuzanne Swyers
BrokerageFLORIDA REALTY RESULTS LLC

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