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$360,000

4434 WINDING OAKS CIRCLE, MULBERRY, FL 33860

3D Tour
Active8 days on market

Beds

3

Baths

2

Sq Ft

1,950 sq ft

Year Built

2009

Lot Size

0.14 acres

Garage

0

About This Property

Welcome to 4434 Winding Oaks Circle, where thoughtful details, spacious living, and the convenience of a gated community come together in the desirable Reserve at Fairway Oaks neighborhood of Mulberry. Offering 3 bedrooms, 2 bathrooms, and approximately 1,950 square feet of living space, this inviting single-story residence combines comfort, functionality, and everyday convenience. From the moment you arrive, you'll appreciate the welcoming curb appeal and the charm of this established gated neighborhood. Step inside to discover a spacious and thoughtfully designed interior featuring beautiful plantation shutters on all the windows, adding timeless elegance, privacy, and natural light control throughout the home. LED lighting throughout provides energy-efficient illumination, while the generous living spaces offer a comfortable setting for both relaxing evenings and entertaining guests. The thoughtfully arranged floor plan allows everyday living to flow effortlessly from one space to the next. At the heart of the home, the kitchen combines style and functionality with beautiful granite countertops, abundant cabinetry, and an eye-catching decorative stone accent beneath the breakfast counter, adding warmth, texture, and character to the space. The kitchen offers a welcoming place to prepare meals, gather with friends, or enjoy casual dining. The thoughtfully designed floor plan features a spacious primary suite offering a comfortable place to unwind, while two additional bedrooms provide flexibility for guests, a home office, or hobbies. The additional full bathroom offers convenience for both residents and visitors. The attached garage provides additional storage and everyday functionality, featuring an attractive decorative flake-coated floor that creates a clean, polished appearance, along with EV charging capability for electric vehicle owners. An additional practical feature is the home's generator hookup, providing the convenience of connecting a compatible generator when needed. Beyond the home itself, the Reserve at Fairway Oaks offers the comfort and convenience of gated community living, with HOA fees that include cable, internet, lawn care, and gated community access. These included services help simplify everyday living, allowing you to spend less time on routine maintenance and more time enjoying everything Central Florida has to offer. Conveniently located near shopping, dining, grocery stores, and everyday essentials, this property provides easy access to Lakeland, Mulberry, and surrounding areas. From the beautiful plantation shutters, energy-efficient LED lighting, and distinctive kitchen finishes to the upgraded garage flooring, EV charging capability, generator hookup, and valuable HOA inclusions, 4434 Winding Oaks Circle offers a wonderful combination of style, comfort, and convenience. Schedule your private showing today and discover everything this inviting home has to offer!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #L4965800
StatusActive
Year Built2009
Stories1
Total Rooms7
ConstructionBlock
RoofShingle
FoundationSlab
FacesSoutheast
SubdivisionFAIRWAY OAKS FIRST ADD
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Crown Molding, High Ceilings, Living Room/Dining Room Combo, Pest Guard System, Thermostat, Window Treatments
FlooringCarpet, Tile
AppliancesDishwasher, Electric Water Heater, Microwave, Range, Refrigerator
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Exterior & Lot

ExteriorFrench Doors
Lot Size0.14 acres (5,998 sq ft)
Lot Dimensions60 x 100
Road SurfacePaved
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesBB/HS Internet Available, Cable Connected, Electricity Connected, Phone Available, Public, Sewer Connected, Water Connected

Parking

GarageYes

HOA & Community

HOAYes
HOA Fee$670 / Quarterly
Senior CommunityNo

Financial Details

List Price$360,000
Annual Taxes$2,533 (2025)
FinancingCash, Conventional, FHA, VA Loan
Parcel #232934142462000680

Schools

ElementaryJames W Sikes Elem
MiddleMulberry Middle
HighMulberry High

Directions

Heading south on FL-37 S/Florida Ave S, turn right onto Shepherd Rd. Turn left onto Imperial Lakes Blvd, then turn left onto Fairway Oaks Dr. Continue straight to stay on Fairway Oaks Dr, then turn right onto Winding Oaks Dr. Turn right onto Winding Oaks Cir. The home will be on your right at 4434 Winding Oaks Cir.

Location

4434 WINDING OAKS CIRCLE, MULBERRY, FL 33860

Listing Information

OfficeBHHS FLORIDA PROPERTIES GROUP
ListedOctober 16, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$360,000

20% ($72,000)
6.75%

Loan Term

Principal & Interest$1,868
Property Tax (est.)$330
Insurance (est.)$150
Total Monthly$2,348
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $360,000 home in MULBERRY.

🏛️

FHA Loan

$12,600 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

$18,000 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 24, 2026.

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