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