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$309,900

4130 BEDFORD AVENUE, WINTER HAVEN, FL 33884

3D Tour
Active136 days on market

Beds

2

Baths

2

Sq Ft

1,819 sq ft

Year Built

2006

Lot Size

0.12 acres

Garage

2

About This Property

WELCOME TO CAREFREE LIVING WITH THIS WELL-MAINTAINED RESIDENCE WITHIN THE DESIRABLE 55+ GATED, LAKEFRONT COMMUNITY AT "TRADITIONS OF RUBY LAKE". This home is MOVE IN READY and is situated withing very close proximity to the clubhouse and Lake Ruby!!! NEW ROOF and NEW HOT WATER HEATER both installed in 2023. With nearly (1,820 Sqft.) of heated and cooled space, this OPEN-CONCEPT SPLIT PLAN with SOARING CEILINGS will not disappoint. There is plenty of room for the chef in the family with your OVERSIZED KITCHEN that has an ABUNDANCE of cabinetry and GRANITE COUNTERTOPS! The kitchen also has 2 windows, giving you a pleasant view along with plenty of extra natural light. Just off the kitchen sits the great room leading into 2 bedrooms and another room (11 x 10) that would be perfect for an office, craft room, or out of town guests. You'll love the (21 x 9) BONUS ROOM that has its own AC and gives you so much extra cooled living space. As if this wasn't enough, the bonus room also overlooks a (21 x 9) SCREENED, PAVERED PATIO for outside grilling or just relaxing. The large primary en-suite has a WALK-IN-SHOWER WITH BUILT-IN BENCH and GLASS SLIDERS, DUAL SINKS, and OVERSIZED WALK-IN-CLOSET. You have direct access to the bonus room from the primary bedroom. Cleaning is a breeze in this home featuring NO CARPET!!! The clubhouse is beautiful and boasts amazing views beyond the pool of 2 lakes (Ruby and Bess). The clubhouse also features an oversized pool and spa, dock, boat ramp, boat slips, tennis courts, pickle ball, basketball, shuffleboard, ball room, billiards, library, craft room, fitness center, dog park and much more! Golf carts are allowed in the community for ease of navigating. Traditions is centrally located in close proximity to medical, shopping, restaurants, 2 major international airports (Tampa/Orlando) and the up and coming airline Avelo in Lakeland, FL. LEGOLAND, FL is just minutes away!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #L4962090
StatusActive
Year Built2006
Total Rooms10
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesSouth
SubdivisionTRADITIONS PH 01
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), High Ceilings, Kitchen/Family Room Combo, Open Floorplan, Solid Surface Counters, Thermostat, Walk-In Closet(s)
FlooringLaminate, Tile
AppliancesDishwasher, Microwave, Range, Refrigerator
LaundryInside, Laundry Room
CoolingCentral Air
HeatingCentral, Electric

Exterior & Lot

ExteriorIrrigation System, Private Mailbox, Sliding Doors, Sprinkler Metered
Lot Size0.12 acres (5,140 sq ft)
Road SurfaceAsphalt
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Electricity Connected, Sewer Connected, Street Lights, Underground Utilities, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$485 / Monthly
Senior CommunityYes

Financial Details

List Price$309,900
Annual Taxes$1,268 (2025)
FinancingCash, Conventional, FHA, VA Loan
Parcel #262913687552001050

Directions

From HWY 27 turn onto Thompson Nursery Rd. Continue straight until your see Traditions on your right. Turn right and proceed through gate on Traditions Blvd N. At the round-about, turn onto Bedford and property will be on your right.

Location

4130 BEDFORD AVENUE, WINTER HAVEN, FL 33884

Listing Information

OfficeCOLDWELL BANKER REALTY
ListedMay 23, 2026

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Home Price

$309,900

20% ($61,980)
6.75%

Loan Term

Principal & Interest$1,608
Property Tax (est.)$284
Insurance (est.)$150
Total Monthly$2,042
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How to Buy This Home

Multiple financing options available for this $309,900 home in WINTER HAVEN.

🏛️

FHA Loan

$10,847 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

$15,495 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: May 24, 2026.

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