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$355,000

1097 NORMANDY HEIGHTS CIRCLE, WINTER HAVEN, FL 33880

3D Tour

Active14 days on market

Beds

Baths

Sq Ft

2,307 sq ft

Year Built

2012

Lot Size

0.19 acres

Garage

About This Property

Beautiful 4BR/2BA home in desirable Winter Haven featuring a spacious split floor plan, bright open living areas, and a screened lanai overlooking a large backyard. Roof is only 1 year old with transferable warranty to new owners! The primary suite includes dual vanities and a private bath, while three additional bedrooms allow plenty of space for family, guests, or a home office. Enjoy great curb appeal, a two-car garage, and a peaceful setting with convenient access to shopping, dining, schools, and major roadways. A wonderful opportunity to enjoy comfortable Florida living! Don't miss the opportunity to make this move-in-ready home yours—schedule your private showing today!

Property Overview

Property TypeResidential

Sub TypeSingle Family Residence

MLS #L4963186

StatusActive

Year Built2012

Stories1

Total Rooms8

ConstructionBlock

RoofShingle

FoundationSlab

FacesSouth

SubdivisionNORMANDY HEIGHTS

CountyPolk

OwnershipFee Simple

Interior Features

InteriorThermostat

FlooringCarpet, Tile

AppliancesDishwasher, Dryer, Microwave, Range, Refrigerator, Washer

LaundryLaundry Room

CoolingCentral Air

HeatingCentral

Exterior & Lot

ExteriorLighting

Lot Size0.19 acres (8,059 sq ft)

Road SurfacePaved

Utilities

WaterPublic

SewerPublic Sewer

UtilitiesBB/HS Internet Available, Cable Available, Cable Connected, Electricity Available, Electricity Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes

HOA Fee$600 / Annually

Senior CommunityNo

Financial Details

List Price$355,000

Original Price$365,000

Annual Taxes$1,646 (2025)

FinancingCash, Conventional, FHA, VA Loan

Parcel #262831641447001240

Directions

Get on I-4 East, Take exit 27 to merge onto SR-570 East toward Lakeland, Winter Haven,Take exit 14 on the right to merge onto SR-540 E, Turn left onto Recker Hwy, Turn right onto Cooley Rd, Turn right onto Normandy Heights Dr, turn right onto Normandy Heights Cir, destination is on your right

Location

1097 NORMANDY HEIGHTS CIRCLE, WINTER HAVEN, FL 33880

Listing Information

OfficeCENTURY 21 MYERS REALTY

ListedJuly 1, 2026

Schedule a Tour

Pick a Day

Preferred Time

Home Price

$355,000

Down Payment20% ($71,000)

Interest Rate6.75%

Loan Term

Principal & Interest$1,842

Property Tax (est.)$325

Insurance (est.)$150

Total Monthly$2,317

Full Calculator →

How to Buy This Home

Multiple financing options available for this $355,000 home in WINTER HAVEN.

🏛️

FHA Loan

$12,425 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

$17,750 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.

Full Calculator →First-Time Buyer Guide →VA Loan Guide →

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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: July 15, 2026.