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Overview

2 bd2 ba1,819 sqft2 car garageSingle Family
TypeSingle Family
HOA$485/mo
Built2006
Lot5,140 sqft
Living area1,819 sqft
Price / sqft$170
Garage2 car

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

About this home

Ceiling Fans(s)High CeilingsKitchen/Family Room ComboOpen FloorplanSolid Surface CountersThermostatWalk-in Closet(s)Private Mailbox

4130 Bedford Ave is a 2006-built home in Traditions Ph 01, Winter Haven. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,819 square feet of living space. Listed at $309,900 (about $170/sqft), 146 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 CAREFREE LIVING WITH THIS WELL-MAINTAINED RESIDENCE WITHIN THE DESIRABLE 55+ GATED, LAKEFRONT COMMUNITY AT "TRADITIONS OF RUBY LAKE". This home is MOVE IN READY and is situated withing very close proximity to the clubhouse and Lake Ruby!!! NEW ROOF and NEW HOT WATER HEATER both installed in 2023. With nearly (1,820 Sqft.) of heated and cooled space, this OPEN-CONCEPT SPLIT PLAN with SOARING CEILINGS will not disappoint. There is plenty of room for the chef in the family with your OVERSIZED KITCHEN that has an ABUNDANCE of cabinetry and GRANITE COUNTERTOPS! The kitchen also has 2 windows, giving you a pleasant view along with plenty of extra natural light. Just off the kitchen sits the great room leading into 2 bedrooms and another room (11 x 10) that would be perfect for an office, craft room, or out of town guests. You'll love the (21 x 9) BONUS ROOM that has its own AC and gives you so much extra cooled living space. As if this wasn't enough, the bonus room also overlooks a (21 x 9) SCREENED, PAVERED PATIO for outside grilling or just relaxing. The large primary en-suite has a WALK-IN-SHOWER WITH BUILT-IN BENCH and GLASS SLIDERS, DUAL SINKS, and OVERSIZED WALK-IN-CLOSET. You have direct access to the bonus room from the primary bedroom. Cleaning is a breeze in this home featuring NO CARPET!!! The clubhouse is beautiful and boasts amazing views beyond the pool of 2 lakes (Ruby and Bess). The clubhouse also features an oversized pool and spa, dock, boat ramp, boat slips, tennis courts, pickle ball, basketball, shuffleboard, ball room, billiards, library, craft room, fitness center, dog park and much more! Golf carts are allowed in the community for ease of navigating. Traditions is centrally located in close proximity to medical, shopping, restaurants, 2 major international airports (Tampa/Orlando) and the up and coming airline Avelo in Lakeland, FL. LEGOLAND, FL is just minutes away!

The essentials

Built
2006
Price / sqft
$170
On market
146 days
Annual tax
$1,268
HOA
$485/mo
Flood zone
X · Low risk
Lot
5,140 sqft
Type
Single Family Residence

At a glance

Single family
Built 2006
Community pool
Fitness center too
2 car garage
5,140 sqft lot
Lot size
1,819 sqft
Living area

Payment

Est. monthly payment
$2,362/mo
Down payment (20%)
$61,980
Property taxes
$106/mo
HOA
$485/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2006
Lot
5,140 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
146
Ceiling Fans(s)
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Solid Surface Counters
Thermostat
Walk-in Closet(s)
Private Mailbox
Sliding Doors
Sprinkler Metered
Association Recreation - Owned
Clubhouse
Deed Restrictions
Dog Park
Fitness Center
Gated Community - No Guard
Golf Carts OK
Handicap Modified
Pool
Tennis Court(s)
Street Lights
Dishwasher
Microwave
Range
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$1,268
Parcel #
26-29-13-687552-001050

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 01
County
Polk
MLS Area
33884 - Winter Haven / Cypress Gardens
Lot Size
5,140 sqft
HOA
$485/mo
Daly Murchison

Price history

Date
Event
Price
5/21/2026
Listed for sale
Source: Stellar MLS #L4962090
$309,900
$170/sqft

Neighborhood

4130 Bedford Ave
Winter Haven, FL, 33884 · 33884 - Winter Haven / Cypress Gardens

Market insights

Offer Insights

Choose an offer strength

List price: $309,900
$307,500 – $309,900
99.5% – 100% of listTops out right at the list price
80% of listList price
224 of the last 355 home closings in 33884 landed at this number or higher (63%). The median one sat 39 days before it went under contract, and this one is on day 146.

Sample: 355 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
$2,362/mo
Principal & interest$1,616
Property taxes$106
Insurance$155
HOA$485
Down payment20% · $61,980
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

$309,900

$170 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,819 sq ft

Time on market

146 days

Year built

2006

Monthly payment

About $2,362/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $1,268 annual tax bill, insurance, and the $485/mo HOA fee.

HOA fee

$485/mo

Managed by Daly 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 byCOLDWELL BANKER REALTYListing agent: Bryan DicksListing data from Stellar MLS, MLS# L4962090.

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