$419,900
4734 MONTEREY DRIVE, WINTER HAVEN, FL 33880
Beds
4
Baths
3
Sq Ft
2,687 sq ft
Year Built
1981
Lot Size
0.44 acres
Garage
2
About This Property
This 4-bedroom, 3-bathroom, two-story home is tucked away on a cul-de-sac beneath beautiful mature oaks. Situated on .44 acres with no HOA, the property provides plenty of room and flexibility to make it your own.Step inside to soaring ceilings, exposed wood beams, warm flooring, and a dramatic stone fireplace that gives the home its inviting character. The kitchen features granite countertops, stainless-steel appliances, rich cabinetry, and a breakfast bar that keeps everyone connected.One bedroom and a full bathroom are located downstairs, while three additional bedrooms are upstairs. The primary suite opens to an oversized screened balcony overlooking the tree-shaded backyard—the perfect place to enjoy a quiet morning or relax at the end of the day. Outside, the expansive backyard is ready for gatherings, gardening, recreation, or the outdoor retreat you’ve been imagining. Multiple screened areas create inviting places to enjoy the outdoors, while the attached two-car garage adds everyday convenience. The home also features several valuable recent improvements, including windows and exterior doors replaced in 2022, A/C replaced in 2020, and insulated siding installed in 2024. For even greater peace of mind, the seller will have a NEW ROOF installed prior to closing. With its spacious lot, no HOA, distinctive character, and substantial recent upgrades, this home offers a combination that’s increasingly hard to find. Come experience the space, charm, and possibilities for yourself.
Property Overview
Interior Features
Exterior & Lot
Utilities
Parking
HOA & Community
Financial Details
Directions
St Rd 540 West past Spirit Lk Rd Intersection apprx 3/4 mile to Monterey Dr. Home located near end of dead end street on left.
Location
4734 MONTEREY DRIVE, WINTER HAVEN, FL 33880
Listing Information
Schedule a Tour
Pick a Day
Preferred Time
Home Price
$419,900
Loan Term
How to Buy This Home
Multiple financing options available for this $419,900 home in WINTER HAVEN.
🏛️
FHA Loan
$14,697 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
$20,995 Down
Traditional financing. As low as 3-5% down with good credit.
🌾
USDA Loan
$0 Down
Zero down for eligible rural areas. Income limits apply.
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: September 17, 2026.