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Overview

3 bd2 ba1,950 sqftSingle Family
TypeSingle Family
HOA$669.87/qtr
Built2009
Lot5,998 sqft
Living area1,950 sqft
Price / sqft$185

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

About this home

Ceiling Fans(s)Crown MoldingHigh CeilingsLiving Room/Dining Room ComboPest Guard SystemThermostatWindow TreatmentsGated Community - No Guard

4434 Winding Oaks Cir is a 2009-built home in Fairway Oaks First Add, Mulberry. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,950 square feet of living space. Listed at $360,000 (about $185/sqft), 1 day on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $669.87 quarterly.

From the listing

Welcome to 4434 Winding Oaks Circle, where thoughtful details, spacious living, and the convenience of a gated community come together in the desirable Reserve at Fairway Oaks neighborhood of Mulberry. Offering 3 bedrooms, 2 bathrooms, and approximately 1,950 square feet of living space, this inviting single-story residence combines comfort, functionality, and everyday convenience. From the moment you arrive, you'll appreciate the welcoming curb appeal and the charm of this established gated neighborhood. Step inside to discover a spacious and thoughtfully designed interior featuring beautiful plantation shutters on all the windows, adding timeless elegance, privacy, and natural light control throughout the home. LED lighting throughout provides energy-efficient illumination, while the generous living spaces offer a comfortable setting for both relaxing evenings and entertaining guests. The thoughtfully arranged floor plan allows everyday living to flow effortlessly from one space to the next. At the heart of the home, the kitchen combines style and functionality with beautiful granite countertops, abundant cabinetry, and an eye-catching decorative stone accent beneath the breakfast counter, adding warmth, texture, and character to the space. The kitchen offers a welcoming place to prepare meals, gather with friends, or enjoy casual dining. The thoughtfully designed floor plan features a spacious primary suite offering a comfortable place to unwind, while two additional bedrooms provide flexibility for guests, a home office, or hobbies. The additional full bathroom offers convenience for both residents and visitors. The attached garage provides additional storage and everyday functionality, featuring an attractive decorative flake-coated floor that creates a clean, polished appearance, along with EV charging capability for electric vehicle owners. An additional practical feature is the home's generator hookup, providing the convenience of connecting a compatible generator when needed. Beyond the home itself, the Reserve at Fairway Oaks offers the comfort and convenience of gated community living, with HOA fees that include cable, internet, lawn care, and gated community access. These included services help simplify everyday living, allowing you to spend less time on routine maintenance and more time enjoying everything Central Florida has to offer. Conveniently located near shopping, dining, grocery stores, and everyday essentials, this property provides easy access to Lakeland, Mulberry, and surrounding areas. From the beautiful plantation shutters, energy-efficient LED lighting, and distinctive kitchen finishes to the upgraded garage flooring, EV charging capability, generator hookup, and valuable HOA inclusions, 4434 Winding Oaks Circle offers a wonderful combination of style, comfort, and convenience. Schedule your private showing today and discover everything this inviting home has to offer!

The essentials

Built
2009
Price / sqft
$185
On market
1 day
Annual tax
$2,533
HOA
$669.87/qtr
Flood zone
X · Low risk
Lot
5,998 sqft
Type
Single Family Residence

At a glance

Single family
Built 2009
5,998 sqft lot
Lot size
1,950 sqft
Living area

Payment

Est. monthly payment
$2,492/mo
Down payment (20%)
$72,000
Property taxes
$211/mo
HOA
$669.87/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2009
Lot
5,998 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
1
Ceiling Fans(s)
Crown Molding
High Ceilings
Living Room/Dining Room Combo
Pest Guard System
Thermostat
Window Treatments
Gated Community - No Guard
Dishwasher
Electric Water Heater
Microwave
Range
Refrigerator
Elementary
James W Sikes Elem
Middle
Mulberry Middle
High
Mulberry High

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

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,533
Parcel #
23-29-34-142462-000680

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
Fairway Oaks First Add
County
Polk
MLS Area
33860 - Mulberry
Lot Size
5,998 sqft
HOA
$669.87/qtr
Nicki Archer

Price history

Date
Event
Price
10/16/2026
Listed for sale
Source: Stellar MLS #L4965800
$360,000
$185/sqft

Neighborhood

4434 Winding Oaks Cir
Mulberry, FL, 33860 · 33860 - Mulberry

Market insights

Offer Insights

Choose an offer strength

List price: $360,000
$357,500 – $360,000
99.5% – 100% of listTops out right at the list price
80% of listList price
72 of the last 121 home closings in 33860 landed at this number or higher (60%). The median one sat 30 days before it went under contract, and this one is on day 1.

Sample: 121 closed home sales in 33860 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,492/mo
Principal & interest$1,878
Property taxes$211
Insurance$180
HOA$223
Down payment20% · $72,000
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

$360,000

$185 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,950 sq ft

Time on market

1 day

Year built

2009

Monthly payment

About $2,492/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,533 annual tax bill, insurance, and the $669.87/qtr HOA fee.

HOA fee

$669.87/qtr

Managed by Nicki Archer.

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 byBHHS FLORIDA PROPERTIES GROUPListing agent: Tiffany SteckListing data from Stellar MLS, MLS# L4965800.

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