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1320 NORMANDY HEIGHTS CIRCLE, Winter Haven, FL, 33880

3beds
2baths
1,252sqft
$245,000
$196price/sqft
$1,935/moest. monthly cost
$77,400/yrincome needed

About This Home

Welcome to a home that perfectly combines comfort, convenience, and value in one of Winter Haven's most desirable locations. Situated just minutes from the Polk Parkway, this property offers an easy commute to both Tampa and Orlando while keeping you close to everything Central Florida has to offer, including the renowned Chain of Lakes, world-class theme parks, shopping, dining, and everyday conveniences. Inside, you'll find a thoughtfully designed split bedroom floor plan featuring 3 bedrooms and 2 bathrooms, providing privacy for the primary suite while maintaining an open, functional layout. Vaulted ceilings and abundant natural light create a bright, spacious feel throughout the living areas, making the home feel warm and inviting from the moment you step inside. The kitchen is equipped with upgraded appliances and opens seamlessly to the main living spaces, making it ideal for both everyday living and entertaining. Ample closet space throughout the home provides plenty of storage, while the large fenced backyard offers room for pets, play, gardening, or simply relaxing outdoors. Recent improvements provide added peace of mind, including a brand new roof installed in 2025 and fresh exterior paint that enhances the home's curb appeal. Whether you're a first-time homebuyer, growing family, or someone looking to enjoy the convenience of Central Florida living, this move-in ready home delivers the perfect balance of location, functionality, and modern updates. Schedule your private showing today and discover everything this Winter Haven gem has to offer.

Getting Around

8
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

2/10
4/10
Westwood Middle SchoolGrades 6-82.6 mi
2/10
Lake Region High SchoolGrades 9-121.3 mi

Construction

Condition

  • Property condition: Completed
  • Year built: 2014

Materials

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

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Electric Water Heater,Microwave,Range,Refrigerator
  • Laundry features: Inside

Bedroom2

  • Features: Storage Closet
  • Level: First
  • Area: 100
  • Dimensions: 10x10

Bedroom3

  • Features: Storage Closet
  • Level: First
  • Area: 100
  • Dimensions: 10x10

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),High Ceilings,Living Room/Dining Room Combo,Thermostat,Vaulted Ceiling(s)
  • Door features: Sliding Doors
  • Flooring: Carpet,Ceramic Tile

Heating & Cooling

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

Interior Area

  • Total structure area: 1,640
  • Total interior livable area: 1,252 sqft

Kitchen

  • Level: First
  • Area: 168
  • Dimensions: 12x14

Living Room

  • Level: First
  • Area: 240
  • Dimensions: 15x16

Primary Bedroom

  • Features: Walk-In Closet(s)
  • Level: First
  • Area: 192
  • Dimensions: 12x16

Property

Details

  • Parcel number: 262831641447000710
  • Zoning: R
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio
  • Exterior features: Rain Gutters
  • Fencing: Fenced
  • Residential vegetation: Trees/Landscaped

Lot

  • Lot size: 7,475 sqft
  • Features: Level

Parking

  • Total spaces: 2
  • Parking features: Driveway,Garage Door Opener
  • 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

  • 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 $1,238$14,856
Home Insurance *$232$2,784
Property Taxes $268$3,216
Electricity $197$2,366
Total$1,935$23,220
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$66,342/yr
40% on housing$58,050/yr
45% on housing$51,600/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

$196This listing

vs Other Active Listings

Avg $/sqft

ZIP 33880$116
Polk County$134

vs Homes Sold Last Month

Median $/sqft

ZIP 33880$179
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
2026-08-03Listed for sale$245,000
2026-07-31Contingent$245,000
2026-07-21Listed for sale$245,000
2020-11-30Sold$195,000
2020-11-02Pending sale$189,900
2020-10-23Listed for sale$189,900
2017-09-27Sold$159,500
2017-07-25Listed for sale$157,500
2014-02-25Sold$20,000

For Sale by Agent

AgentLindsey Thibodeau
BrokerageCOMPASS FLORIDA LLC

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