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1985 Sarah St, Winter Haven, FL, 33884

4beds
3baths
1,874sqft
$296,000
$158price/sqft
$2,414/moest. monthly cost
$96,560/yrincome needed

About This Home

Stop scrolling—this is the one. Welcome to 1985 Sarah Street, a 2025-built home in Winter Haven that perfectly blends modern design, functional space, and move-in-ready convenience. Situated on a premium corner lot with a fully fenced backyard, this 4-bedroom, 2.5-bathroom home offers 1,874 square feet of thoughtfully designed living space—ideal for both everyday living and entertaining. Step inside and immediately feel the difference. The entire first floor is designed for connection, featuring a bright, open-concept layout where the kitchen, dining, and living areas flow seamlessly together. The kitchen is bright and spacious—complete with upgraded stone countertops, modern finishes, and a clean, fresh look that feels straight out of a model home. Tile flooring throughout the main level adds both style and durability. Upstairs, the home continues to impress. A cozy loft space creates the perfect flex area—ideal for a second living room, home office, media space or home gym. The spacious bedrooms deliver comfort for everyone, while the owner’s suite provides a true retreat with a walk-in closet and an upgraded modern shower door in the primary bathroom. Step outside and you’ll find one of this home’s standout features—a large, fully fenced backyard, offering privacy, space to play, entertain, or simply unwind. The corner lot positioning adds extra breathing room and curb appeal that’s hard to find. Located in the desirable Peace Creek Reserve community, you’ll enjoy the benefits of newer construction living in a growing area known for its natural beauty and proximity to Winter Haven’s famous Chain of Lakes, shopping, and dining. Why wait for new construction when you can have better than new—right now? This home is upgraded and move-in-ready immediately.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

2/10
2/10
Bartow Middle SchoolGrades 6-811.4 mi
3/10
Bartow Senior High SchoolGrades 9-1211.4 mi

Construction

Condition

  • Property condition: Completed
  • Year built: 2025

Materials

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

Type & Style

  • Home type: SingleFamily
  • Architectural style: Contemporary
  • Property subType: Single Family Residence

Interior

Appliances

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

Bathroom4

  • Features: Built-in Closet
  • Level: Second
  • Area: 110
  • Dimensions: 11x10

Bedroom2

  • Features: Built-in Closet
  • Level: Second
  • Area: 121
  • Dimensions: 11x11

Bedroom3

  • Features: Built-in Closet
  • Level: Second
  • Area: 121
  • Dimensions: 11x11

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1

Features

  • Ceiling Fan(s),PrimaryBedroom Upstairs,Stone Counters,Thermostat,Walk-In Closet(s)
  • Door features: Sliding Doors
  • Flooring: Carpet,Tile
  • Common walls with other units/homes: Corner Unit

Great Room

  • Level: First
  • Area: 493
  • Dimensions: 29x17

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,274
  • Total interior livable area: 1,874 sqft

Kitchen

  • Features: Pantry
  • Level: First
  • Area: 130
  • Dimensions: 13x10

Loft

  • Level: Second
  • Area: 171
  • Dimensions: 9x19

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: Second
  • Area: 180
  • Dimensions: 15x12

Property

Details

  • Parcel number: 262936692300005440
  • Special condition: None

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Front Porch,Patio
  • Exterior features: Irrigation System,Rain Gutters
  • Fencing: Vinyl

Lot

  • Lot size: 5,615 sqft
  • Features: Corner Lot,Level

Parking

  • Total spaces: 2
  • Parking features: Driveway
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • 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

  • Strong Wind
    Strong WindVery High
  • Hurricane
    HurricaneRelatively High
  • Cold Wave
    Cold WaveModerate
  • Lightning
    LightningModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Strong Wind
Hurricane
Cold Wave
Lightning
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 $1,496$17,952
Home Insurance *$268$3,216
Property Taxes $453$5,436
Electricity $197$2,366
Total$2,414$28,968
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$82,765/yr
40% on housing$72,420/yr
45% on housing$64,373/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

$158This listing

vs Other Active Listings

Avg $/sqft

ZIP 33884$120
Polk County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 33884$166
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
2026-04-29Listed for sale$296,000
2026-04-18Listing removed$298,000
2026-03-26Price change$298,000
2026-01-22Listed for sale$300,000
2025-05-08Sold$279,990
2025-04-11Pending sale$279,990
2025-04-08Price change$279,990
2025-04-01Price change$284,990
2025-03-17Listed for sale$303,090
2025-01-27Listing removed$330,090
2025-01-24Listed for sale$330,090

For Sale by Agent

AgentTyler Wampler
BrokerageKELLER WILLIAMS REALTY SMART

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