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858 Terranova Rd, Winter Haven, FL, 33884

4beds
2baths
1,677sqft
$290,000
$173price/sqft
$2,371/moest. monthly cost
$94,840/yrincome needed

About This Home

Situated within a gated community, this refined single-story residence offers a thoughtfully designed split-bedroom layout that balances privacy, comfort, and everyday livability. The open-concept living and dining spaces are enhanced by wood-look luxury vinyl plank flooring, creating a clean, modern aesthetic ideal for both entertaining and relaxed daily living.** ROOF 5 YEARS OLD. The privately positioned primary suite provides a comfortable retreat with ample space for king-size furnishings, a walk-in closet, and an en-suite bath. Secondary bedrooms are discreetly separated and share a well-appointed hall bath, offering flexibility for guests, family members, or a dedicated home office. A screened porch extends the living space outdoors, providing a tranquil setting to unwind or host gatherings year-round. Additional features include an attached garage, interior laundry room, and neutral finishes throughout, making this home truly move-in ready.

Getting Around

0
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

3/10
Denison Middle SchoolGrades 6-85.1 mi
2/10
Lake Region High SchoolGrades 9-124.4 mi

Construction

Condition

  • Year built: 2011

Materials

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

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator,Trash Compactor
  • Laundry features: Inside,Laundry Room,Washer Hookup

Bathroom1

  • Features: Garden Bath,Linen Closet
  • Level: First

Bathroom2

  • Level: First

Bedroom2

  • Features: Built-in Closet
  • Level: First

Bedroom3

  • Features: Built-in Closet
  • Level: First

Bedroom4

  • Features: Built-in Closet
  • Level: First

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Ceiling Fan(s),Eating Space In Kitchen,High Ceilings,Living Room/Dining Room Combo,Walk-In Closet(s)
  • Flooring: Ceramic Tile

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,264
  • Total interior livable area: 1,677 sqft

Kitchen

  • Features: Storage Closet
  • Level: First

Living Room

  • Features: Ceiling Fan(s),Linen Closet
  • Level: First
  • Dimensions: 14x15

Primary Bedroom

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

Property

Details

  • Parcel number: 262914687811000070
  • Special condition: None

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Patio
  • Exterior features: Lighting
  • Waterfront features: Lake

Lot

  • Lot size: 9,592 sqft

Parking

  • Total spaces: 2
  • Parking features: Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered 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
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Hurricane
Lightning
Strong Wind
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 $1,466$17,592
Home Insurance *$262$3,144
Property Taxes $446$5,352
Electricity $197$2,366
Total$2,371$28,452
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$81,291/yr
40% on housing$71,130/yr
45% on housing$63,226/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

$173This 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
2025-12-16Listed for sale$290,000
2011-06-07Sold$133,760

For Sale by Agent

AgentVicky Whyte
BrokerageLA ROSA REALTY PRESTIGE

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