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Overview

3 bd2 ba1,506 sqft2 car garageSingle Family
TypeSingle Family
HOA$154/yr
Built2022
Lot5,541 sqft
Living area1,506 sqft
Price / sqft$167
Garage2 car

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

About this home

Eat-in KitchenHigh CeilingsOpen FloorplanSolid Wood CabinetsThermostatWalk-in Closet(s)Private YardPool

909 Cambridge Dr is a 2022-built home in Lucerne Park Reserve, Winter Haven. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,506 square feet of living space. Listed at $251,900 (about $167/sqft), 176 days on market. Flood zone x - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $154 annually.

From the listing

Short Sale. – PRICED TO SELL! Welcome to this 2022-built 3-bedroom, 2-bathroom home located in the growing Lucerne Park Reserve community of Winter Haven. This newer construction single-story home features a desirable open-concept floor plan, perfect for comfortable everyday living and easy entertaining. The spacious kitchen overlooks the living and dining areas, creating a bright and inviting central gathering space. The primary suite offers a private bathroom and generous closet space, while two additional bedrooms provide flexibility for guests, family, or a home office. Home includes solar panels, offering potential energy efficiency benefits for the new owner. Conveniently located near shopping, dining, schools, and major highways with easy access to Lakeland, Orlando, and surrounding Central Florida areas. Ideal opportunity for first-time buyers, investors, or anyone looking to add value in a rapidly growing area. Short Sale – subject to lender approval. Property sold as-is. MOTIVATED SELLERS!!!

The essentials

Built
2022
Price / sqft
$167
On market
176 days
Annual tax
$3,310
HOA
$154/yr
Flood zone
X · Low risk
Lot
5,541 sqft
Type
Single Family Residence

At a glance

Single family
Built 2022
Community pool
Shared amenity
2 car garage
5,541 sqft lot
Lot size
1,506 sqft
Living area

Payment

Est. monthly payment
$1,729/mo
Down payment (20%)
$50,380
Property taxes
$276/mo
HOA
$154/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2022
Lot
5,541 sqft
Cooling
Central Air
Heating
Electric
Parking
-
Days on Market
176
Eat-in Kitchen
High Ceilings
Open Floorplan
Solid Wood Cabinets
Thermostat
Walk-in Closet(s)
Private Yard
Pool
Convection Oven
Dishwasher
Dryer
Microwave
Range
Refrigerator
Trash Compactor
Washer
Elementary
Fred G. Garnier Elem
Middle
Denison Middle
High
Winter Haven Senior

Districts can re-zone, so verify directly with the district before relying on these.

Homestead exemption on file In a CDD (Community Development District) Flood Zone x
Annual Tax (2025)
$3,310
Parcel #
26-28-02-522103-002650

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
Lucerne Park Reserve
County
Polk
MLS Area
33881 - Winter Haven / Florence Villa
Lot Size
5,541 sqft
HOA
$154/yr
Lucerne Park Reserve Homeowners

Price history

Date
Event
Price
10/4/2026
Price change
Source: Stellar MLS #G5111142
$251,900-1.9%
$167/sqft
-
Price change
Source: Stellar MLS #G5111142
$256,900-12.0%
$171/sqft
4/17/2026
Listed for sale
Source: Stellar MLS #G5111142
$291,900
$194/sqft

Neighborhood

909 Cambridge Dr
Winter Haven, FL, 33881 · 33881 - Winter Haven / Florence Villa

Market insights

Offer Insights

Choose an offer strength

List price: $251,900
$250,000 – $251,900
99.5% – 100% of listTops out right at the list price
80% of listList price
164 of the last 267 home closings in 33881 landed at this number or higher (61%). The median one sat 42 days before it went under contract, and this one is on day 176 after a $40,000 cut.

Sample: 267 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
$1,728/mo
Principal & interest$1,314
Property taxes$276
Insurance$126
HOA$13
Down payment20% · $50,380
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 is the fee 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

$251,900

$167 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,506 sq ft

Time on market

176 days

Year built

2022

Monthly payment

About $1,729/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,310 annual tax bill, insurance, and the $154/yr HOA fee.

HOA fee

$154/yr

Managed by Lucerne Park Reserve Homeowners.

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 byAXEN REALTY, LLCListing agent: Mariel EspinalListing data from Stellar MLS, MLS# G5111142.

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