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$395,000

3890 BEDFORD AVENUE, WINTER HAVEN, FL 33884

3D Tour
Active171 days on market

Beds

4

Baths

3

Sq Ft

2,322 sq ft

Year Built

2019

Lot Size

0.13 acres

Garage

3

About This Property

Welcome to TRADITIONS, an active 55+ gated community located in the heart of the state on Lake Ruby. From swimming laps in the olympic size pool, casting a line at the lake, swinging a pickleball racquet or utilizing the fitness room and scheduled classes, there is plenty to do to stay in shape. If you prefer a more relaxed day, the clubhouse provides plenty of social spaces for card games, crafting, puzzles and reading a book. The community has planned monthly activities, they even plan a yearly community cruise if that's your vibe. You don't need to leave the community to find something to do, however; Disney and Universal Studios are nearby and you can reach either coast in less than two hours. The community is close to shopping (Publix coming soon), medical facilities, Legoland and the quaint downtown area of Winter Haven with boutique shops and local restaurants. This community is truly the ultimate 55+ lifestyle. The monthly dues include: community amenities, Spectrum cable and internet, lawn maintenance, common area maintenance, and exterior paining every 8 years. Now for the house: This is a Kennedy model floorplan, one of the most sought after in this community. It is a SHOW STOPPER from top to bottom and these Sellers have executed great care during their ownership. You will appreciate some of the additions they have made such as the extended rear screened lanai with Coolaroo shades and a motorized hurricane shutter. They also extended a paver BBQ area for those who like to grill. They added overhead storage racks in the garage and if you are an angler you will appreciate the storage system for the fishing poles! They have also added a motorized screen door for the days that you want to tinker in the garage and keep the bugs out. The exterior was just painted in 2025. The lawn is manicured with professional landscape edged flower beds and best of all the grass is maintained by the HOA. Step inside the front door to be instantly impressed with the high ceilings. The space is open enough for great entertaining but also offers space to spread out when needed. Ceramic tile in all the wet areas and living spaces with 5 inch baseboards and crown molding give the feeling of luxury. Recessed lighting, pendant lights as well as good window placement bring good lighting into the space. The kitchen is spectacular. 42 inch upper cabinets, quartz counters, walk in pantry and preparation island make the space functional for the chef and easy to entertain in. There are three dining space choices: formal dining area, breakfast nook and a breakfast bar providing with plenty of seating. The living room flows perfectly from the triple sliding door onto the lanai. The wall mounted TV's convey. The floorplan also offers a triple split bedroom plan. The primary bedroom offers an ensuite and the walk in closet has custom built in shelving. The ensuite has dual sinks, private commode room, linen closet and soaking tub. The walk in shower has no step and has nice glass doors. The 2nd and 3rd bedrooms share a guest bath with dual sinks and the 4th bedroom has a private ensuite. You truly have to see this home to appreciate its flow, style, tidiness and all the features that make this place a HOME! If 55+ living in Florida is what you have been dreaming of, you just found it! Come make some new Traditions!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #L4961088
StatusActive
Year Built2019
Total Rooms7
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesEast
SubdivisionTRADITIONS PH 02
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Crown Molding, In Wall Pest System, Open Floorplan, Primary Bedroom Main Floor, Solid Surface Counters, Thermostat, Walk-In Closet(s)
FlooringCarpet, Tile
AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Microwave, Range, Refrigerator, Washer, Water Softener
LaundryElectric Dryer Hookup, Inside, Laundry Room, Washer Hookup
WindowsBlinds, Double Pane Windows
CoolingCentral Air
HeatingCentral, Electric
SecurityGated Community, Security Gate, Smoke Detector(s)

Exterior & Lot

ExteriorHurricane Shutters, Irrigation System, Lighting, Rain Gutters, Sprinkler Metered
Lot Size0.13 acres (6,064 sq ft)
Lot Dimensions60 x 100
Lot FeaturesLandscaped, Level
Road SurfacePaved, Asphalt
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Connected, Electricity Available, Electricity Connected, Public, Sewer Connected, Sprinkler Meter, Street Lights, Water Connected

Parking

GarageYes (3 spaces)

HOA & Community

HOAYes
HOA Fee$485 / Monthly
Senior CommunityYes

Financial Details

List Price$395,000
Annual Taxes$5,156 (2025)
FinancingCash, Conventional, FHA, VA Loan
ZoningR
Parcel #262913687554000470

Directions

HWY 27 South to West on Thompson Nursery Road to North on Traditions BLVD N (Community Gate) to right on Grenville Dr to right on Plymouth Dr to right on Bedford Ave to property on the right.

Location

3890 BEDFORD AVENUE, WINTER HAVEN, FL 33884

Listing Information

OfficeDREAM REALTY GROUP
ListedApril 18, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$395,000

20% ($79,000)
6.75%

Loan Term

Principal & Interest$2,050
Property Tax (est.)$362
Insurance (est.)$150
Total Monthly$2,562
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How to Buy This Home

Multiple financing options available for this $395,000 home in WINTER HAVEN.

🏛️

FHA Loan

$13,825 Down

Government-backed, low down payment. Credit scores as low as 580.

🎖️

VA Loan

$0 Down

Zero down for eligible veterans, active duty, and military families.

🏦

Conventional

$19,750 Down

Traditional financing. As low as 3-5% down with good credit.

Florida Down Payment Assistance Programs

You may qualify for up to $35,000 in assistance to cover your down payment and closing costs.

Florida Hometown Heroes

Up to $35,000

First-time buyers working in FL

FL Assist

Up to $10,000

FHA, VA, or USDA borrowers

FL HLP Second Mortgage

Up to $10,000

First-time buyers, 0% deferred

Polk County SHIP

Varies

Income-qualifying Polk residents

Can You Afford This Home?

Quick check based on the 28% debt-to-income rule. Not a guarantee — just a starting point.

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Listing information is deemed reliable but not guaranteed. All measurements and data should be independently verified. This information is provided by the Stellar MLS. The listing broker's offer of compensation is made only to participants of the MLS where the listing is filed. IDX information is provided exclusively for consumers' personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data last updated: April 20, 2026.

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