Pulling fresh listings…
Active
4
beds
2
baths
2,357
sqft
2
garage
Listed by REAL BROKER, LLC· Last updated · MLS# O6380041
Ask anything about this home
Instant answers from the Estate Vida assistant. Tap a question to start.
About this home
Ceiling Fans(s)Eat-in KitchenHigh CeilingsSplit BedroomVaulted Ceiling(s)Walk-in Closet(s)Gated Community - No GuardDishwasher
496 Terranova St is a 2004-built home in Terranova Ph 02, Winter Haven. Inside you'll find 4 bedrooms, 2 bathrooms, and 2,357 square feet of living space. Listed at $430,000 (about $182/sqft), 142 days on market. Flood zone X & AE - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $675 annually.
From the listing
ROOF 2022! Enjoy the HEATED SALTWATER POOL all year in your backyard Oasis. LARGE CORNER LOT (.28 acre). SINGLE STORY HOME. Terranova is a GATED COMMUNITY nestled among the Winter Haven Chain of Lakes. LOW HOA. NO CDD. Screened in patio is great for enjoying the beautiful Florida weather. Fully fenced yard with double door gate so you can pull a small boat inside! SPLIT FLOOR PLAN features the primary bedroom and bathroom on one side of the home and three additional bedrooms and a full bath on the other. High ceilings. BRAND NEW PUBLIX GROCERY STORE less than five minutes away! Walking trail within the community to Chain of Lakes Elementary School. The pool has a child safety fence that can be put up if desired - not photographed. Call to schedule your private showing today.
The essentials
Built
2004
Price / sqft
$182
On market
162 days
Annual tax
$6,005
HOA
$675/yr
Flood zone
X & AE · Low risk
Lot
12,079 sqft
Type
Single Family Residence
Location
Type
Single Family Residence
Year Built
2004
Lot
12,079 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Garage Door Opener, Garage Faces Side
Pool
Gunite, Heated, In Ground, Pool Sweep, Salt Water
Days on Market
162
Ceiling Fans(s)
Eat-in Kitchen
High Ceilings
Split Bedroom
Vaulted Ceiling(s)
Walk-in Closet(s)
Gated Community - No Guard
Dishwasher
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Elementary
Chain O Lakes Elem
Middle
Denison Middle
High
Lake Region High
Districts can re-zone, so verify directly with the district before relying on these.
Homestead exemption on fileFlood Zone X & AE
Annual Tax (2025)
$6,005
Parcel #
26-29-14-687805-001530
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
Terranova Ph 02
County
Polk
MLS Area
33884 - Winter Haven / Cypress Gardens
Lot Size
12,079 sqft
Corner Lot
HOA
$675/yr
Terranova HOA - David D'Agostino
Date
Event
Price
6/15/2026
Price change
Source: Stellar MLS #O6380041
$430,000-3.9%
$182/sqft
—
Price change
Source: Stellar MLS #O6380041
$447,500-2.7%
$190/sqft
3/16/2026
Listed for sale
Source: Stellar MLS #O6380041
$460,000
$195/sqft
Enter a home price - see your real monthly payment.
Loan Details
$100K$2M
Your Results
Total Monthly Payment
$3,099
Principal, interest, tax, insurance, HOA
- P&I$2,243
- Tax$500
- Insurance$300
- HOA$56
Loan Amount
$344,000
Down Payment %
20.0%
First Year Summary
Principal
$3,631
Interest
$23,280
Balance
$340,369
Total Interest
$463,344
Total Cost
$807,344
Keep exploring Tampa Bay
Pick up where you left off, or see what else is out there.
