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532 WINTER TERRACE, Winter Haven, FL, 33881

3beds
2baths
1,073sqft
$164,000
$153price/sqft
$1,436/moest. monthly cost
$57,440/yrincome needed

About This Home

FULLY UPGRADED & MOVE-IN READY! Beautiful 3BR/2BA home located in the heart of Winter Haven in a desirable lakeside community. This home features brand-new flooring throughout, all new stainless-steel appliances, new AC, and new water heater. Open-concept living, dining, and kitchen layout with upgraded cabinets and matching stainless-steel appliances. Spacious living room and generously sized bedrooms. The primary bedroom is privately situated and includes two closets and an en-suite bath with a large walk-in shower. Additional features include two private parking spaces, bonus outdoor den, and extra storage. Enjoy community amenities such as a large pool, clubhouse, and private boat dock with lake access. Great value with excellent upgrades and amenities. Must see! Schedule your showing today !!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
36
BikeSomewhat Bikeable

Schools

3/10
Denison Middle SchoolGrades 6-82.8 mi
3/10

Construction

Condition

  • Year built: 1996

Materials

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

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Electric Water Heater,Exhaust Fan,Freezer,Microwave,Range,Refrigerator,Washer
  • Laundry features: In Kitchen

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Kitchen/Family Room Combo,Open Floorplan,Thermostat,Walk-In Closet(s)
  • Flooring: Ceramic Tile,Luxury Vinyl

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,073
  • Total interior livable area: 1,073 sqft

Kitchen

  • Features: Pantry,Storage Closet
  • Level: First
  • Area: 40
  • Dimensions: 5x8

Living Room

  • Features: Ceiling Fan(s),Storage Closet
  • Level: First
  • Area: 180
  • Dimensions: 12x15

Primary Bathroom

  • Features: Exhaust Fan,No Closet
  • Level: First
  • Area: 32
  • Dimensions: 4x8

Primary Bedroom

  • Features: En Suite Bathroom,Walk-In Closet(s)
  • Level: First
  • Area: 120
  • Dimensions: 12x10

Property

Details

  • Parcel number: 262809530002001360
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Playground,Private Entrance

Lot

  • Lot size: 1,142 sqft
  • Features: Corner Lot

Parking

  • Total spaces: 2
  • Parking features: Carport
  • Covered spaces: 2
  • Carport: Yes
  • Carport spaces: 2

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

  • Hurricane
    HurricaneRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High

How This Home’s Risks Compare

Hurricane
Lightning
Strong Wind

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 $829$9,948
Home Insurance *$153$1,836
Property Taxes $257$3,084
Electricity $197$2,366
Total$1,436$17,232
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$49,234/yr
40% on housing$43,080/yr
45% on housing$38,293/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

$153This listing

vs Other Active Listings

Avg $/sqft

ZIP 33881$88
Polk County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 33881$165
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
2026-07-12Listed for sale$164,000
2026-04-24Listing removed$164,000
2026-01-25Listed for sale$164,000
2023-05-31Sold$150,000
2023-04-28Pending sale$150,995
2023-04-27Listed for sale$150,995
2021-07-20Listing removed--
2021-07-19Listed for rent$1,150
2021-07-01Listing removed--
2021-06-23Listed for rent$1,150
2020-06-28Listing removed$995
2020-06-11Listed for rent$995
2018-02-15Listing removed$875
2017-11-30Listed for rent$875
2011-08-26Listing removed$68,900
2011-02-26Listed for sale$68,900

For Sale by Agent

AgentTaufiq Ul Islam
BrokerageBEST ORLANDO LIVING REALTY

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