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$309,900

3304 COSTELLO CIRCLE, WINTER HAVEN, FL 33884

Active0 days on market

Beds

3

Baths

2

Sq Ft

1,525 sq ft

Year Built

2023

Lot Size

0.10 acres

Garage

2

About This Property

Better than New and Move in ready! A screened porch for morning coffee, a fully fenced backyard, and a kitchen finished with white cabinetry and quartz countertops—3304 Costello Circle brings together the features that make a house comfortable to come home to. Set in Winter Haven’s Villamar community, this single-story block home was built in 2023 and offers three bedrooms, two full bathrooms, 1,553 square feet of living space, and an attached two-car garage. Inside, luxury vinyl plank flooring extends throughout the home, with no carpet to maintain. The open-concept living and dining areas keep the main gathering space connected to the kitchen, making it easy to prepare a meal while spending time with guests. White cabinets, quartz countertops, and ample workspace give the kitchen a clean, coordinated finish. The split-bedroom floor plan places the primary suite apart from the secondary bedrooms. The primary bedroom includes a generous walk-in closet and its own en suite bathroom. Two additional bedrooms share a hallway bathroom and provide space for guests, hobbies, or a home office. The second bedroom also includes a walk-in closet, adding storage beyond the primary suite. Indoor laundry keeps everyday tasks conveniently inside. Continue to the screened porch, where there is a welcoming spot to sip morning coffee or settle in for a quiet evening. The fully fenced backyard extends the outdoor living space with room to enjoy the sunshine, garden, or spend time with pets. Beyond your own backyard, Villamar offers a community swimming pool, cabana, shaded poolside seating, and playground in a lakeside setting along Crystal Lake. Shopping, dining, LEGOLAND Florida, and connections to US-27, US-17, and Highway 60 add to the location’s convenience. Come explore the layout, finishes, and outdoor spaces that make this Winter Haven home stand out.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #L4965165
StatusActive
Year Built2023
Total Rooms5
ConstructionBlock
RoofShingle
FoundationSlab
FacesSouth
SubdivisionVILLAMAR PH 4
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Open Floorplan, Solid Surface Counters, Split Bedroom
FlooringVinyl
AppliancesDishwasher, Disposal, Electric Water Heater, Microwave, Range, Refrigerator
LaundryInside, Laundry Room
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorIrrigation System
FencingVinyl
Lot Size0.10 acres (4,400 sq ft)
Road SurfacePaved
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesElectricity Connected, Sewer Connected, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$262 / Annually
Senior CommunityNo

Financial Details

List Price$309,900
Annual Taxes$4,644 (2025)
FinancingCash, Conventional, FHA, VA Loan
Parcel #262923690584001190

Directions

From US-27, head west on Thompson Nursery Road and continue onto Eloise Loop Road. Turn left onto County Road 653, then turn right onto Cunningham Road. At the roundabout, take the first exit onto Rialto Road. Turn left onto Costello Circle and continue to 3304 Costello Circle on the right.

Location

3304 COSTELLO CIRCLE, WINTER HAVEN, FL 33884

Listing Information

OfficeBHHS FLORIDA PROPERTIES GROUP
ListedOctober 1, 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: October 1, 2026.

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