638 Lake Dexter Cir, photo 1
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Overview

3 bd2 ba1,316 sqft1 car garageSingle Family
TypeSingle Family
HOA$425/yr
Built1989
Lot3,999 sqft
Living area1,316 sqft
Price / sqft$178
Garage1 car

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

About this home

Attic VentilatorCeiling Fans(s)Dry BarEat-in KitchenThermostatVaulted Ceiling(s)Walk-in Closet(s)Awning(s)

638 Lake Dexter Cir is a 1989-built home in Lake Dexter Woods Ph 02, Winter Haven. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,316 square feet of living space. Listed at $234,900 (about $178/sqft), 213 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $425 annually.

From the listing

This move-in-ready, three-bedroom, two-bathroom home is located in the sought-after Lake Dexter Woods community. The residence features a functional layout designed for modern comfort and style, highlighted by an attached one-car garage and low-maintenance tile flooring throughout the entire home. The updated kitchen serves as a stylish centerpiece, equipped with beautiful granite countertops and sleek stainless-steel appliances. Outside, you can relax and enjoy the fresh air from your private porch and patio, which overlooks a fully fenced-in backyard, providing a secure space for outdoor entertaining or pets. The location offers a perfect blend of comfort and convenience, situated near top-rated schools, multiple grocery stores, and popular local attractions. Residents can enjoy a resort-style lifestyle with access to premium community amenities, including sparkling pools, tennis/pickleball courts, and more. One or more photos in this listing have been virtually staged.

The essentials

Built
1989
Price / sqft
$178
On market
213 days
Annual tax
$3,649
HOA
$425/yr
Flood zone
X · Low risk
Lot
3,999 sqft
Type
Single Family Residence

At a glance

Single family
Built 1989
1 car garage
3,999 sqft lot
Lot size
1,316 sqft
Living area

Payment

Est. monthly payment
$1,682/mo
Down payment (20%)
$46,980
Property taxes
$304/mo
HOA
$425/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
1989
Lot
3,999 sqft
Cooling
Central Air, Attic Fan
Heating
Central, Electric
Parking
-
Days on Market
213
Attic Ventilator
Ceiling Fans(s)
Dry Bar
Eat-in Kitchen
Thermostat
Vaulted Ceiling(s)
Walk-in Closet(s)
Awning(s)
Private Mailbox
Sidewalk
Dishwasher
Electric Water Heater
Exhaust Fan
Ice Maker
Microwave
Range
Range Hood
Refrigerator
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.

Flood Zone X
Annual Tax (2025)
$3,649
Parcel #
26-29-02-663685-001190

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
Lake Dexter Woods Ph 02
County
Polk
MLS Area
33884 - Winter Haven / Cypress Gardens
Lot Size
3,999 sqft
In CountyPaved
HOA
$425/yr
Lake Dexter Woods HOA

Price history

Date
Event
Price
10/2/2026
Price change
Source: Stellar MLS #O6390069
$234,900-2.1%
$178/sqft
-
Price change
Source: Stellar MLS #O6390069
$239,900-4.0%
$182/sqft
3/16/2026
Listed for sale
Source: Stellar MLS #O6390069
$249,900
$190/sqft

Neighborhood

638 Lake Dexter Cir
Winter Haven, FL, 33884 · 33884 - Winter Haven / Cypress Gardens

Market insights

Offer Insights

Choose an offer strength

List price: $234,900
$234,900
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 213 after a $15,000 cut.

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
$1,682/mo
Principal & interest$1,225
Property taxes$304
Insurance$117
HOA$35
Down payment20% · $46,980
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%. 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

$234,900

$178 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,316 sq ft

Time on market

213 days

Year built

1989

Monthly payment

About $1,682/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,649 annual tax bill, insurance, and the $425/yr HOA fee.

HOA fee

$425/yr

Managed by Lake Dexter Woods HOA.

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 byENTERA REALTY LLCListing agent: Robert SalmonsListing data from Stellar MLS, MLS# O6390069.

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