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$290,000

4856 SUMMERFIELD CIRCLE, WINTER HAVEN, FL 33881

3D Tour
Active20 days on market

Beds

4

Baths

2

Sq Ft

1,688 sq ft

Year Built

2016

Lot Size

0.14 acres

Garage

2

About This Property

Virtually Staged. Welcome to this inviting 4-bedroom, 2-bath home in Country Club Estates, offering a comfortable open layout, beautiful pond views, and a convenient Winter Haven location. With a brand-new roof, this home is ready for its next owner to move in and make it their own. Step inside to a bright, open living and dining area with high ceilings and plenty of natural light. The kitchen overlooks the main living space and features granite countertops, abundant cabinetry, a breakfast bar, and a functional layout that makes everyday living and entertaining easy. The spacious primary suite offers a private retreat with a large walk-in closet and an ensuite bath featuring a granite-topped vanity and tiled walk-in shower. Three additional bedrooms provide plenty of flexibility for family, guests, a home office, or hobby space. One of the home's best features is out back. The screened lanai overlooks the backyard and pond, creating a relaxing place to enjoy your morning coffee, unwind in the evening, or simply take in the peaceful water views. Step outside and enjoy the open backyard with **direct pond frontage and the opportunity to fish right from your own backyard. The location adds even more appeal. A brand-new Publix shopping complex is conveniently located just before the entrance to Country Club Estates, putting groceries and everyday necessities just minutes from home. You're also close to Downtown Winter Haven's restaurants, shopping, entertainment, and the area's Chain of Lakes, while LEGOLAND Florida Resort is just a short drive away. For those looking to enjoy everything Central Florida has to offer, Winter Haven provides convenient access toward Orlando and its world-famous theme parks, while also keeping Tampa, Clearwater Beach, St. Petersburg, and Florida's Gulf Coast within reach for day trips and weekend getaways. With four bedrooms, a brand-new roof, screened lanai, pond frontage, fishing opportunities, a two-car garage, and a highly convenient location, this Country Club Estates home brings together the features buyers are looking for in the Florida lifestyle.

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #O6441991
StatusActive
Year Built2016
Total Rooms6
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesEast
SubdivisionCOUNTRY CLUB ESTATES
CountyPolk
OwnershipFee Simple

Interior Features

InteriorCeiling Fan(s), Eating Space In Kitchen, Open Floorplan, Primary Bedroom Main Floor, Stone Counters, Vaulted Ceiling(s)
FlooringTile
AppliancesDishwasher, Electric Water Heater, Microwave, Range, Refrigerator
LaundryInside
CoolingCentral Air
HeatingCentral, Electric

Exterior & Lot

ExteriorIrrigation System, Sidewalk, Sliding Doors
Lot Size0.14 acres (6,238 sq ft)
Road SurfaceAsphalt
ViewWater
0

Utilities

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

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$430 / Annually
Senior CommunityNo

Financial Details

List Price$290,000
Annual Taxes$4,203 (2026)
FinancingCash, Conventional, FHA, VA Loan
Parcel #262824588503000360

Schools

ElementaryElbert Elem
MiddleDenison Middle
HighWinter Haven Senior

Directions

West on Dundee Rd from Hwy 27, Right on Overlook, Left on Fieldstone, Right on Summerfield Circle to the house on your Right.

Location

4856 SUMMERFIELD CIRCLE, WINTER HAVEN, FL 33881

Listing Information

OfficeCOLDWELL BANKER REALTY
ListedSeptember 16, 2026

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Home Price

$290,000

20% ($58,000)
6.75%

Loan Term

Principal & Interest$1,505
Property Tax (est.)$266
Insurance (est.)$150
Total Monthly$1,921
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $290,000 home in WINTER HAVEN.

🏛️

FHA Loan

$10,150 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

$14,500 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: September 17, 2026.

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