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Overview

4 bd2 ba1,986 sqft2 car garageSingle Family
TypeSingle Family
HOA$420/yr
Built2017
Lot7,253 sqft
Living area1,986 sqft
Price / sqft$154
Garage2 car

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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.

About this home

Ceiling Fans(s)Primary Bedroom Main FloorStone CountersSidewalkDishwasherMicrowaveRangeRefrigerator

4750 Osprey Way is a 2017-built home in St James Xing, Winter Haven. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,986 square feet of living space. Listed at $305,000 (about $154/sqft), 22 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $420 annually.

From the listing

Virtually Staged. Weclome to this move-in ready single story home with a bright, open floor plan and inviting living spaces. The spacious kitchen features granite countertops, stainless steel appliances, and ample cabinet space. Functional vinyl flooring enhances the main living areas, while spacious bedrooms provide comfortable accommodations. An attached two car garage adds convenience to this lovely home. Easy to show!

The essentials

Built
2017
Price / sqft
$154
On market
22 days
Annual tax
$5,057
HOA
$420/yr
Flood zone
X · Low risk
Lot
7,253 sqft
Type
Single Family Residence

At a glance

Single family
Built 2017
2 car garage
7,253 sqft lot
Lot size
1,986 sqft
Living area

Payment

Est. monthly payment
$2,200/mo
Down payment (20%)
$61,000
Property taxes
$421/mo
HOA
$420/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2017
Lot
7,253 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
22
Ceiling Fans(s)
Primary Bedroom Main Floor
Stone Counters
Sidewalk
Dishwasher
Microwave
Range
Refrigerator
Flood Zone X
Annual Tax (2025)
$5,057
Parcel #
25-28-12-339907-000250

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision
St James Xing
County
Polk
MLS Area
33881 - Winter Haven / Florence Villa
Lot Size
7,253 sqft
HOA
$420/yr
St James Crossing HOA

Price history

Date
Event
Price
9/24/2026
Listed for sale
Source: Stellar MLS #C7531097
$305,000
$154/sqft

Neighborhood

4750 Osprey Way
Winter Haven, FL, 33881 · 33881 - Winter Haven / Florence Villa

Market insights

Offer Insights

Choose an offer strength

List price: $305,000
$302,500 – $305,000
99.5% – 100% of listTops out right at the list price
80% of listList price
171 of the last 275 home closings in 33881 landed at this number or higher (62%). The median one sat 42 days before it went under contract, and this one is on day 22.

Sample: 275 closed home sales in 33881 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,200/mo
Principal & interest$1,591
Property taxes$421
Insurance$153
HOA$35
Down payment20% · $61,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA includes any condo dues reported on the listing. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Quick answers.

Price

$305,000

$154 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,986 sq ft

Time on market

22 days

Year built

2017

Monthly payment

About $2,200/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,057 annual tax bill, insurance, and the $420/yr HOA fee.

HOA fee

$420/yr

Managed by St James Crossing HOA.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

What should I offer?

Have another question?

Brokered bySOVEREIGN REAL ESTATE GROUPListing agent: William FigueroaListing data from Stellar MLS, MLS# C7531097.

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