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$235,000

1040 CAMBRIDGE DRIVE, WINTER HAVEN, FL 33881

3D Tour

Active9 days on market

Beds

Baths

Sq Ft

1,727 sq ft

Year Built

2021

Lot Size

0.15 acres

Garage

About This Property

Short Sale. A beautifully maintained 3 bedroom, 2 bath home built in 2021, with 1,727 square feet of thoughtfully designed living space. Located in the desirable Lucerne Park Reserve community, this home combines modern finishes, an open layout, and everyday convenience. Step inside to discover a bright, open-concept floor plan featuring tile and luxury vinyl plank flooring throughout, and high ceilings that create a spacious, inviting atmosphere. The stylish kitchen is the heart of the home, complete with stainless steel appliances, a large center island, generous pantry, and plenty of counter space perfect for entertaining or everyday living.The private primary suite offers a relaxing retreat with a walk-in closet and an en-suite bathroom featuring dual vanities. A split-bedroom floor plan provides privacy for family members or guests, while the indoor laundry room adds everyday convenience. Enjoy Florida living from the covered rear porch overlooking a peaceful greenbelt, providing added privacy with no rear neighbors. The home also includes a 2-car attached garage, irrigation system, and attractive landscaping. Residents of Lucerne Park Reserve enjoy community amenities including a pool, playground, sidewalks, and streetlights. Conveniently located just minutes from Highway 27, shopping, dining, and approximately 20 minutes from Legoland Florida, this home offers easy access to everything Central Florida has to enjoy.

Property Overview

Property TypeResidential

Sub TypeSingle Family Residence

MLS #OM727915

StatusActive

Year Built2021

Stories1

Total Rooms3

ConstructionBlock

RoofShingle

FoundationSlab

FacesNorth

SubdivisionLUCERNE PARK RESERVE

CountyPolk

OwnershipFee Simple

Interior Features

InteriorHigh Ceilings, Kitchen/Family Room Combo, Living Room/Dining Room Combo, Primary Bedroom Main Floor, Walk-In Closet(s), Window Treatments

FlooringLaminate, Tile

AppliancesDishwasher, Disposal, Electric Water Heater, Range, Refrigerator

LaundryInside, Laundry Room

CoolingCentral Air

HeatingCentral

Exterior & Lot

ExteriorGarden, Irrigation System, Lighting, Private Yard, Sidewalk, Sliding Doors

Lot Size0.15 acres (6,490 sq ft)

Road SurfaceAsphalt, Paved

ViewGarden, Park/Greenbelt

Utilities

WaterPublic

SewerPublic Sewer

UtilitiesCable Available, Electricity Connected, Public, Sewer Connected, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes

HOA Fee$200 / Annually

Senior CommunityNo

Financial Details

List Price$235,000

Annual Taxes$7,188 (2025)

FinancingCash, Conventional, FHA, VA Loan

Parcel #262802522103000940

Schools

ElementaryLake Alfred Elem

MiddleDenison Middle

HighWinter Haven Senior

Directions

From US Highway 27: Take Old Lucerne Park Road east, turn left onto Cambridge Drive, and continue to 1040 Cambridge Drive, which will be located on the right-hand side. Look for the eXp Realty sign.

Location

1040 CAMBRIDGE DRIVE, WINTER HAVEN, FL 33881

Listing Information

OfficeEXP REALTY LLC

ListedJuly 3, 2026

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Home Price

$235,000

Down Payment20% ($47,000)

Interest Rate6.75%

Loan Term

Principal & Interest$1,219

Property Tax (est.)$215

Insurance (est.)$150

Total Monthly$1,585

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Nearby Schools

Elementary School

Lake Alfred Elem

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Middle School

Denison Middle

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High School

Winter Haven Senior

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How to Buy This Home

Multiple financing options available for this $235,000 home in WINTER HAVEN.

🏛️

FHA Loan

$8,225 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

$11,750 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: July 12, 2026.