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$164,000

532 WINTER TERRACE, WINTER HAVEN, FL 33881

3D Tour

Active88 days on market

Beds

Baths

Sq Ft

1,073 sq ft

Year Built

1996

Lot Size

0.03 acres

Garage

—

About This Property

FULLY UPGRADED & MOVE-IN READY! Beautiful 3BR/2BA home located in the heart of Winter Haven in a desirable lakeside community. This home features brand-new flooring throughout, all new stainless-steel appliances, new AC, and new water heater. Open-concept living, dining, and kitchen layout with upgraded cabinets and matching stainless-steel appliances. Spacious living room and generously sized bedrooms. The primary bedroom is privately situated and includes two closets and an en-suite bath with a large walk-in shower. Additional features include two private parking spaces, bonus outdoor den, and extra storage. Enjoy community amenities such as a large pool, clubhouse, and private boat dock with lake access. Great value with excellent upgrades and amenities. Must see! Schedule your showing today !!

Property Overview

Property TypeResidential

Sub TypeTownhouse

MLS #O6376627

StatusActive

Year Built1996

Total Rooms4

ConstructionStucco

RoofShingle

FoundationSlab

FacesNorth

SubdivisionWINTER RIDGE CONDO

CountyPolk

OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Kitchen/Family Room Combo, Open Floorplan, Thermostat, Walk-In Closet(s)

FlooringCeramic Tile, Luxury Vinyl

AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Exhaust Fan, Freezer, Microwave, Range, Refrigerator, Washer

LaundryIn Kitchen

CoolingCentral Air

HeatingCentral

Exterior & Lot

ExteriorPlayground, Private Entrance

Lot Size0.03 acres (1,142 sq ft)

Lot FeaturesCorner Lot

Road SurfaceAsphalt

Utilities

WaterPublic

SewerPublic Sewer

UtilitiesCable Available, Electricity Connected, Fire Hydrant, Public, Water Connected

Parking

GarageNo

CarportYes

HOA & Community

HOAYes

HOA Fee$753 / Quarterly

Senior CommunityNo

Financial Details

List Price$164,000

Annual Taxes$2,473 (2025)

FinancingCash, Conventional, FHA, VA Loan

Parcel #262809530002001360

Directions

Once entered the community take the second left at winter terrace, last house on the street to your left.

Location

532 WINTER TERRACE, WINTER HAVEN, FL 33881

Listing Information

OfficeBEST ORLANDO LIVING REALTY

ListedJanuary 25, 2026

Schedule a Tour

Pick a Day

Preferred Time

Home Price

$164,000

Down Payment20% ($32,800)

Interest Rate6.75%

Loan Term

Principal & Interest$851

Property Tax (est.)$150

Insurance (est.)$150

Total Monthly$1,151

Full Calculator →

How to Buy This Home

Multiple financing options available for this $164,000 home in WINTER HAVEN.

🏛️

FHA Loan

$5,740 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

$8,200 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 12, 2026.