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$195,000

804 TERRACE RIDGE CIRCLE UNIT 804, DAVENPORT, FL 33896

Active221 days on market

Beds

Baths

Sq Ft

1,261 sq ft

Year Built

2005

Lot Size

683.00 acres

Garage

—

About This Property

Welcome to Terrace Ridge Condominiums, a beautifully maintained gated community located near Old Lake Wilson Road and Osceola Polk Line Road in Davenport, Polk County, Florida. This spacious ground-floor 2-bedroom, 2-bathroom condo features a desirable split open floor plan with abundant natural light and contemporary finishes throughout. A brand-new AC was installed in 2026 what gives you peace of mind for your comfort. The large kitchen has newer stainless steel appliances, generous counter space. The primary suite includes a walk-in closet, dual vanities, a separate walk-in shower, and a jacuzzi tub. The second bedroom and full bath provide additional comfort and privacy. Other features include a laundry room and two large storage closets, and a welcoming living area for relaxing or entertaining. Community amenities include a heated pool and hot tub, clubhouse, fitness center, and recreational facilities. The HOA fee covers exterior maintenance, water, cable TV, and internet, for a low-maintenance lifestyle in a well-kept, resort-style setting. This property has a wonderful combination of comfort, convenience, and quality within a secure and beautifully maintained community. The pictures shows the furnished apartment, it is empty right now and ready for move in.

Property Overview

Property TypeResidential

Sub TypeCondominium

MLS #O6360189

StatusActive

Year Built2005

Stories1

Total Rooms6

ConstructionBlock

RoofShingle

FoundationConcrete Perimeter

FacesSouth

SubdivisionTERRACE RIDGE AT TOWN CENTER EAST CONDO

CountyPolk

OwnershipCondominium

FurnishedFurnished

Interior Features

InteriorCeiling Fan(s), Kitchen/Family Room Combo, Living Room/Dining Room Combo, Open Floorplan

FlooringCarpet, Ceramic Tile

AppliancesDishwasher, Disposal, Dryer, Microwave, Range, Refrigerator, Washer

LaundryInside

CoolingCentral Air

HeatingElectric

Exterior & Lot

ExteriorBalcony

Lot Size683.00 acres (684 sq ft)

Road SurfaceAsphalt

Pool & Spa

Private PoolYes

Pool FeaturesIn Ground

Utilities

WaterPublic

SewerPublic Sewer

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected

Parking

GarageNo

HOA & Community

HOAYes

HOA Fee$551 / Monthly

Senior CommunityNo

Financial Details

List Price$195,000

Original Price$215,000

Annual Taxes$2,416 (2024)

FinancingCash, Conventional, FHA, Other, VA Loan

Parcel #272602701011007160

Directions

Heading west on RONALD REGAN PARKWAY, turn north onto LAKE WILSON ROAD, turn east onto TOWN CENTER BLVD, TERRACE RIDGE CIR is the 2rd street on the left (north side)

Location

804 TERRACE RIDGE CIRCLE UNIT 804, DAVENPORT, FL 33896

Listing Information

OfficeBEYCOME OF FLORIDA LLC

ListedNovember 12, 2025

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Home Price

$195,000

Down Payment20% ($39,000)

Interest Rate6.75%

Loan Term

Principal & Interest$1,012

Property Tax (est.)$179

Insurance (est.)$150

Total Monthly$1,341

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How to Buy This Home

Multiple financing options available for this $195,000 home in DAVENPORT.

🏛️

FHA Loan

$6,825 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

$9,750 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: June 21, 2026.