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$359,900

464 TERRANOVA STREET, WINTER HAVEN, FL 33884

3D Tour
Active22 days on market

Beds

3

Baths

2

Sq Ft

1,893 sq ft

Year Built

2004

Lot Size

0.24 acres

Garage

2

About This Property

Welcome home to this stunning 3-bedroom, 2-bathroom residence tucked into the sought-after, gated community of Terranova. From the moment you step inside, an open floor plan invites you through sun-filled living spaces accented by elegant crown moulding and custom built-ins. The chef-inspired kitchen anchors the home with generous counter space and a breakfast bar — perfect for casual mornings or entertaining guests. Plantation shutters throughout add a touch of timeless charm while offering privacy and light control in every room. Step outside to a spacious backyard, a blank canvas ready for weekend barbecues, a play area, or the pool of your dreams. Beyond your front door, Terranova's gated setting offers peace of mind just minutes from shopping, dining, and medical facilities — the perfect blend of tranquility and convenience. Don't miss this one — call today to schedule your private showing!

Property Overview

Property TypeResidential
Sub TypeSingle Family Residence
MLS #TB8548427
StatusActive
Year Built2004
Stories1
Total Rooms8
ConstructionBlock, Stucco
RoofShingle
FoundationSlab
FacesNorth
SubdivisionTERRANOVA PH 03
CountyPolk
OwnershipFee Simple

Interior Features

InteriorBuilt-in Features, Ceiling Fan(s), Open Floorplan, Primary Bedroom Main Floor, Solid Wood Cabinets, Split Bedroom, Thermostat, Walk-In Closet(s), Window Treatments
FlooringCarpet, Tile
AppliancesDishwasher, Dryer, Electric Water Heater, Exhaust Fan, Microwave, Range, Refrigerator, Washer
LaundryInside, Laundry Room
WindowsBlinds, Shutters, Window Treatments
CoolingCentral Air
HeatingCentral, Electric
SecurityGated Community, Smoke Detector(s)

Exterior & Lot

ExteriorIrrigation System, Lighting, Rain Gutters, Shade Shutter(s), Sliding Doors
FencingVinyl
Lot Size0.24 acres (10,393 sq ft)
Road SurfacePaved
0

Utilities

WaterPublic
SewerPublic Sewer
UtilitiesCable Connected, Electricity Connected, Phone Available, Public, Sewer Connected, Sprinkler Meter, Water Connected

Parking

GarageYes (2 spaces)

HOA & Community

HOAYes
HOA Fee$332 / Semi-Annually
Senior CommunityNo

Financial Details

List Price$359,900
Annual Taxes$4,380 (2025)
FinancingCash, Conventional, FHA, VA Loan
Parcel #262914687807002130

Schools

ElementaryChain O Lakes Elem
MiddleDenison Middle
HighLake Region High

Directions

From Eloise Loop Road turn into Terranova Blvd. Enter Code at gate, proceed on Terranova Blvd until you reach Terranova Street then turn left. Home is on your left side - Sign in yard.

Location

464 TERRANOVA STREET, WINTER HAVEN, FL 33884

Listing Information

OfficeKELLER WILLIAMS TAMPA CENTRAL
ListedSeptember 14, 2026

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Preferred Time

Scheduling is free, and you can cancel anytime.

Home Price

$359,900

20% ($71,980)
6.75%

Loan Term

Principal & Interest$1,867
Property Tax (est.)$330
Insurance (est.)$150
Total Monthly$2,347
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Nearby Schools

How to Buy This Home

Multiple financing options available for this $359,900 home in WINTER HAVEN.

🏛️

FHA Loan

$12,597 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

$17,995 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 15, 2026.

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