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2642 Rutledge Ct, Winter Haven, FL, 33884

2beds
2baths
1,419sqft
$189,900
$134price/sqft
$1,520/moest. monthly cost
$60,800/yrincome needed

About This Home

Light and bright 2/2/1 in The Verandah's at Lake Reeves. The Verandahs offers a community pool and fishing dock on Lake Reeves. The low HOA fee includes ground maintenance, basic cable and internet, exterior painting and more. Easy access to shopping, Legoland, chain of lakes. Light and bright, move in ready. Dual master bedroom set up. Den/office off of main living area. Vaulted ceilings, large kitchen, open living plan.

Getting Around

7
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

Construction

Condition

  • Year built: 2006

Materials

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

Type & Style

  • Home type: Townhouse
  • Property subType: Townhouse

Interior

Appliances

  • Appliances included: Range
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

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

Features

  • Solid Surface Counters,Vaulted Ceiling(s)
  • Flooring: Carpet,Tile,Vinyl

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,789
  • Total interior livable area: 1,419 sqft

Kitchen

  • Level: First

Living Room

  • Level: First

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First

Property

Details

  • Parcel number: 262913687552002550
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Exterior features: Lighting

Lot

  • Lot size: 3,202 sqft

Parking

  • Total spaces: 1
  • Parking features: Driveway
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered spaces: 1
  • 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 $960$11,520
Home Insurance *$171$2,052
Property Taxes $192$2,304
Electricity $197$2,366
Total$1,520$18,240
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$52,114/yr
40% on housing$45,600/yr
45% on housing$40,533/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

$134This 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
2026-05-09Price change$189,900
2026-03-30Listed for sale$199,900
2026-02-02Listing removed$174,900
2026-01-05Price change$174,900
2025-12-01Listed for sale$179,900
2025-11-24Pending sale$179,900
2025-11-07Price change$179,900
2025-09-18Price change$194,900
2025-08-26Price change$199,900
2025-08-01Listed for sale$219,900
2025-06-18Sold$143,000
2025-05-01Pending sale$198,000
2025-04-19Price change$198,000
2024-12-22Listed for sale$220,000
2024-07-23Sold$155,600
2020-06-09Sold$163,800
2019-12-27Sold$141,000
2019-12-01Pending sale$149,900
2019-10-06Price change$149,900
2019-09-13Listed for sale$122,067
2019-07-11Listing removed$122,067
2019-07-11Pending sale$122,067
2019-04-16Sold$30,100
2019-04-11Listed for sale$122,067
2018-05-07Listing removed$1,200
2015-03-10Sold$19,600
2008-12-05Sold$98,000
2006-03-22Sold$183,800

For Sale by Agent

AgentCliff Glansen
BrokerageFLATFEE.COM

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