3890 Bedford Ave, photo 1
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Overview

4 bd3 ba2,322 sqft3 car garageSingle Family
TypeSingle Family
HOA$485/mo
Built2019
Lot6,064 sqft
Living area2,322 sqft
Price / sqft$170
Garage3 car

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

About this home

Ceiling Fans(s)Crown MoldingIN Wall Pest SystemOpen FloorplanPrimary Bedroom Main FloorSolid Surface CountersThermostatWalk-in Closet(s)

3890 Bedford Ave is a 2019-built home in Traditions Ph 02, Winter Haven. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,322 square feet of living space. Listed at $395,000 (about $170/sqft), 180 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $485 monthly.

From the listing

Welcome to TRADITIONS, an active 55+ gated community located in the heart of the state on Lake Ruby. From swimming laps in the olympic size pool, casting a line at the lake, swinging a pickleball racquet or utilizing the fitness room and scheduled classes, there is plenty to do to stay in shape. If you prefer a more relaxed day, the clubhouse provides plenty of social spaces for card games, crafting, puzzles and reading a book. The community has planned monthly activities, they even plan a yearly community cruise if that's your vibe. You don't need to leave the community to find something to do, however; Disney and Universal Studios are nearby and you can reach either coast in less than two hours. The community is close to shopping (Publix coming soon), medical facilities, Legoland and the quaint downtown area of Winter Haven with boutique shops and local restaurants. This community is truly the ultimate 55+ lifestyle. The monthly dues include: community amenities, Spectrum cable and internet, lawn maintenance, common area maintenance, and exterior paining every 8 years. Now for the house: This is a Kennedy model floorplan, one of the most sought after in this community. It is a SHOW STOPPER from top to bottom and these Sellers have executed great care during their ownership. You will appreciate some of the additions they have made such as the extended rear screened lanai with Coolaroo shades and a motorized hurricane shutter. They also extended a paver BBQ area for those who like to grill. They added overhead storage racks in the garage and if you are an angler you will appreciate the storage system for the fishing poles! They have also added a motorized screen door for the days that you want to tinker in the garage and keep the bugs out. The exterior was just painted in 2025. The lawn is manicured with professional landscape edged flower beds and best of all the grass is maintained by the HOA. Step inside the front door to be instantly impressed with the high ceilings. The space is open enough for great entertaining but also offers space to spread out when needed. Ceramic tile in all the wet areas and living spaces with 5 inch baseboards and crown molding give the feeling of luxury. Recessed lighting, pendant lights as well as good window placement bring good lighting into the space. The kitchen is spectacular. 42 inch upper cabinets, quartz counters, walk in pantry and preparation island make the space functional for the chef and easy to entertain in. There are three dining space choices: formal dining area, breakfast nook and a breakfast bar providing with plenty of seating. The living room flows perfectly from the triple sliding door onto the lanai. The wall mounted TV's convey. The floorplan also offers a triple split bedroom plan. The primary bedroom offers an ensuite and the walk in closet has custom built in shelving. The ensuite has dual sinks, private commode room, linen closet and soaking tub. The walk in shower has no step and has nice glass doors. The 2nd and 3rd bedrooms share a guest bath with dual sinks and the 4th bedroom has a private ensuite. You truly have to see this home to appreciate its flow, style, tidiness and all the features that make this place a HOME! If 55+ living in Florida is what you have been dreaming of, you just found it! Come make some new Traditions!

The essentials

Built
2019
Price / sqft
$170
On market
180 days
Annual tax
$5,156
HOA
$485/mo
Flood zone
X · Low risk
Lot
6,064 sqft
Type
Single Family Residence

At a glance

Single family
Built 2019
Community pool
Fitness center too
3 car garage
Driveway
6,064 sqft lot
Lot size
2,322 sqft
Living area

Payment

Est. monthly payment
$3,172/mo
Down payment (20%)
$79,000
Property taxes
$430/mo
HOA
$485/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2019
Lot
6,064 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener, Golf Cart Garage, Off Street
Days on Market
180
Ceiling Fans(s)
Crown Molding
IN Wall Pest System
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Thermostat
Walk-in Closet(s)
Hurricane Shutters
Lighting
Rain Gutters
Sprinkler Metered
Clubhouse
Deed Restrictions
Fitness Center
Gated Community - No Guard
Golf Carts OK
Pool
Special Community Restrictions
Street Lights
Dishwasher
Disposal
Dryer
Electric Water Heater
Exhaust Fan
Microwave
Range
Refrigerator
Washer
Water Softener
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$5,156
Parcel #
26-29-13-687554-000470

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
Traditions Ph 02
County
Polk
MLS Area
33884 - Winter Haven / Cypress Gardens
Lot Size
6,064 sqft
LandscapedLevelPaved
HOA
$485/mo
Leland Management/Dulcy Murchison

Price history

Date
Event
Price
4/15/2026
Listed for sale
Source: Stellar MLS #L4961088
$395,000
$170/sqft

Neighborhood

3890 Bedford Ave
Winter Haven, FL, 33884 · 33884 - Winter Haven / Cypress Gardens

Market insights

Offer Insights

Choose an offer strength

List price: $395,000
$392,500 – $395,000
99.5% – 100% of listTops out right at the list price
80% of listList price
221 of the last 351 home closings in 33884 landed at this number or higher (63%). The median one sat 38 days before it went under contract, and this one is on day 180.

Sample: 351 closed home sales in 33884 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$3,172/mo
Principal & interest$2,060
Property taxes$430
Insurance$198
HOA$485
Down payment20% · $79,000
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

$395,000

$170 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,322 sq ft

Time on market

180 days

Year built

2019

Monthly payment

About $3,172/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,156 annual tax bill, insurance, and the $485/mo HOA fee.

HOA fee

$485/mo

Managed by Leland Management/Dulcy Murchison.

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 byDREAM REALTY GROUPListing agent: Christie WeeksListing data from Stellar MLS, MLS# L4961088.

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