4043 Bedford Ave, photo 1
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Overview

2 bd2 ba1,871 sqft2 car garageSingle Family
TypeSingle Family
HOA$485/mo
Built2015
Lot7,083 sqft
Living area1,871 sqft
Price / sqft$192
Garage2 car

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

About this home

Built-in FeaturesCeiling Fans(s)Eat-in KitchenHigh CeilingsKitchen/Family Room ComboOpen FloorplanPrimary Bedroom Main FloorSolid Surface Counters

4043 Bedford Ave is a 2015-built home in Traditions Ph 02, Winter Haven. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,871 square feet of living space. Listed at $359,900 (about $192/sqft), 2 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $485 monthly.

From the listing

UPGRADED HOME IN THE GATED RESORT-STYLE COMMUNITY OF TRADITIONS: Meticulously maintained and thoughtfully upgraded 2 bedroom, 2 bath home with a versatile den that can easily serve as a 3rd bedroom, located in the desirable Traditions at Lake Ruby community. Enjoy comfortable living and an active lifestyle in this gated 55+ community in Winter Haven. This beautifully maintained home features extensive improvements, generous outdoor living space and transferable home warranty until April of 2030. The open floor plan brings the great room and kitchen together for easy everyday living and entertaining. New laminate flooring adds warmth, while the kitchen features quartz countertops, an island with seating and pendant lighting, stainless steel appliances including a double oven with air-frying and microwave capabilities and a closet pantry. An adjoining dinette provides a casual dining spot, while the formal dining room offers an inviting setting for intimate dinners and holiday gatherings. The spacious primary suite features a tray ceiling, a walk-in closet with custom built-ins and an ensuite bath with a quartz countertop, dual sinks, a handicap accessible walk-in shower and a private water closet. The comfortably sized secondary bedroom is conveniently situated near the guest bathroom, which features a new walk-in shower. An interior laundry room with storage cabinets adds everyday convenience. Three sets of sliding doors create a natural connection to the expansive covered and screened lanai. Finished with paver flooring, this generous outdoor space offers room for relaxing, dining and hosting larger gatherings. A separate paver patio just outside the enclosure provides a convenient grilling area, while refreshed tropical landscaping enhances the setting. Enjoy added peace of mind in Florida with a new roof installed in 2024 and a 2024 Generac 24kW whole-house generator with a transferable warranty and powered by a 500-gallon buried propane tank capable of providing up to three weeks of backup power eliminating much of the stress and uncertainty associated with unexpected power outages, whether short-term or extended. Additional significant improvements made in 2023/2024 include new interior and exterior paint, new laminate flooring and a Puragain water purification system with reverse osmosis in the kitchen. The two-car garage features screen doors, epoxy flooring, a 240-volt connection for electric vehicle charging and attic stairs. Additional features include surround sound, an ADT security system, an irrigation system with a separate irrigation meter, rain gutters, a paver driveway and walkway and more. The monthly maintenance fee of $485 includes lawn care, bush and hedge trimming, exterior home painting, cable TV, internet, trash removal and access to the clubhouse and community amenities. Just a short walk from the home, the lakefront clubhouse offers a heated pool and spa, fitness center, ballroom, library, dance studio, arts and crafts studio and a computer room. Outdoor amenities include shuffleboard, basketball, tennis and bocce ball, along with a community boat ramp, dock and dog park. A new Publix located just outside the community gate makes everyday errands especially convenient, with dining and medical facilities only minutes away. Centrally located between Tampa and Orlando, this thoughtfully improved home offers an inviting opportunity to enjoy the maintenance-free lifestyle of Traditions at Lake Ruby.

The essentials

Built
2015
Price / sqft
$192
On market
2 days
Annual tax
$0
HOA
$485/mo
Flood zone
X · Low risk
Lot
7,083 sqft
Type
Single Family Residence

At a glance

Single family
Built 2015
Community pool
Fitness center too
2 car garage
Driveway
7,083 sqft lot
Lot size
1,871 sqft
Living area

Payment

Est. monthly payment
$3,007/mo
Down payment (20%)
$71,980
Property taxes
$0/mo
HOA
$485/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2015
Lot
7,083 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Electric Vehicle Charging Station(s), Garage Door Opener
Days on Market
2
Built-in Features
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Kitchen/Family Room Combo
Open Floorplan
Primary Bedroom Main Floor
Solid Surface Counters
Split Bedroom
Tray Ceiling(s)
Walk-in Closet(s)
Window Treatments
Lighting
Private Mailbox
Rain Gutters
Sprinkler Metered
Clubhouse
Deed Restrictions
Dog Park
Fitness Center
Gated Community - No Guard
Golf Carts OK
Pool
Sidewalks
Tennis Court(s)
Built-in Oven
Convection Oven
Dishwasher
Range
Refrigerator
Water Filtration System
Elementary
Chain O Lakes Elem
Middle
McLaughlin Academy Of Excellence
High
Mclaughlin Academy Of Excellence

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

Homestead exemption on file Flood Zone X
Annual Tax (2026)
$0
Parcel #
26-29-13-687554-000710

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
7,083 sqft
City LimitsLandscapedLevelPavedPrivate
HOA
$485/mo
Leland Management / Dulcy Murchison

Price history

Date
Event
Price
10/16/2026
Listed for sale
Source: Stellar MLS #L4965727
$359,900
$192/sqft

Neighborhood

4043 Bedford Ave
Winter Haven, FL, 33884 · 33884 - Winter Haven / Cypress Gardens

Market insights

Offer Insights

Choose an offer strength

List price: $359,900
$357,500 – $359,900
99.5% – 100% of listTops out right at the list price
80% of listList price
224 of the last 357 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 2.

Sample: 357 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
$3,007/mo
Principal & interest$1,877
Property taxes$465
Insurance$180
HOA$485
Down payment20% · $71,980
Interest rate6.80%
Loan term

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Property taxes estimated at 1.55% of price a year. 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

$359,900

$192 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,871 sq ft

Time on market

2 days

Year built

2015

Monthly payment

About $3,007/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $0 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

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Brokered byTHE STONES REAL ESTATE FIRMListing agent: Deanna StoneListing data from Stellar MLS, MLS# L4965727.

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