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Overview

4 bd3 ba2,687 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built1981
Lot19,184 sqft
Living area2,687 sqft
Price / sqft$156
Garage2 car

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

About this home

Ceiling Fans(s)High CeilingsPrivate MailboxPrivate YardRain GuttersDishwasherDisposalElectric Water Heater

4734 Monterey Dr is a 1981-built home in Not IN Subdivision, Winter Haven. Inside you'll find 4 bedrooms, 3 bathrooms, and 2,687 square feet of living space. Listed at $419,900 (about $156/sqft), 63 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.

From the listing

This 4-bedroom, 3-bathroom, two-story home is tucked away on a cul-de-sac beneath beautiful mature oaks. Situated on .44 acres with no HOA, the property provides plenty of room and flexibility to make it your own.Step inside to soaring ceilings, exposed wood beams, warm flooring, and a dramatic stone fireplace that gives the home its inviting character. The kitchen features granite countertops, stainless-steel appliances, rich cabinetry, and a breakfast bar that keeps everyone connected.One bedroom and a full bathroom are located downstairs, while three additional bedrooms are upstairs. The primary suite opens to an oversized screened balcony overlooking the tree-shaded backyard—the perfect place to enjoy a quiet morning or relax at the end of the day. Outside, the expansive backyard is ready for gatherings, gardening, recreation, or the outdoor retreat you’ve been imagining. Multiple screened areas create inviting places to enjoy the outdoors, while the attached two-car garage adds everyday convenience. The home also features several valuable recent improvements, including windows and exterior doors replaced in 2022, A/C replaced in 2020, and insulated siding installed in 2024. For even greater peace of mind, the seller will have a NEW ROOF installed prior to closing. With its spacious lot, no HOA, distinctive character, and substantial recent upgrades, this home offers a combination that’s increasingly hard to find. Come experience the space, charm, and possibilities for yourself.

The essentials

Built
1981
Price / sqft
$156
On market
63 days
Annual tax
$3,488
Flood zone
X · Low risk
Lot
19,184 sqft
Type
Single Family Residence

At a glance

Single family
Built 1981
2 car garage
0.44 acres
Lot size
2,687 sqft
Living area

Payment

Est. monthly payment
$2,691/mo
Down payment (20%)
$83,980
Property taxes
$291/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1981
Lot
19,184 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
63
Ceiling Fans(s)
High Ceilings
Private Mailbox
Private Yard
Rain Gutters
Dishwasher
Disposal
Electric Water Heater
Microwave
Range
Refrigerator
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$3,488
Parcel #
25-28-35-000000-043080

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
Not IN Subdivision
County
Polk
MLS Area
33880 - Winter Haven/Eloise/JPV/Wahnetta
Lot Size
19,184 sqft
Cul-De-Sac

Price history

Date
Event
Price
9/17/2026
Price change
Source: Stellar MLS #L4964145
$419,900-1.2%
$156/sqft
-
Price change
Source: Stellar MLS #L4964145
$424,900-3.4%
$158/sqft
8/9/2026
Listed for sale
Source: Stellar MLS #L4964145
$439,900
$164/sqft

Neighborhood

4734 Monterey Dr
Winter Haven, FL, 33880 · 33880 - Winter Haven/Eloise/JPV/Wahnetta

Market insights

Offer Insights

Choose an offer strength

List price: $419,900
$417,500 – $419,900
99.5% – 100% of listTops out right at the list price
80% of listList price
115 of the last 196 home closings in 33880 landed at this number or higher (59%). The median one sat 40 days before it went under contract, and this one is on day 63 after a $20,000 cut.

Sample: 196 closed home sales in 33880 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,691/mo
Principal & interest$2,190
Property taxes$291
Insurance$210
Down payment20% · $83,980
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%. 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

$419,900

$156 per sq ft

Beds and baths

4 beds, 3 baths

Size

2,687 sq ft

Time on market

63 days

Year built

1981

Monthly payment

About $2,691/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,488 annual tax bill, insurance.

Flood zone

Zone X

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

Offer

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Have another question?

Brokered byPROPERTY SHOPPE OF CENTRAL FLListing agent: Damon TruemanListing data from Stellar MLS, MLS# L4964145.

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