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Overview

3 bd2 ba1,253 sqft2 car garageSingle Family
TypeSingle Family
HOA$298/yr
Built2016
Lot4,600 sqft
Living area1,253 sqft
Price / sqft$183
Garage2 car

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

About this home

High CeilingsThermostatWalk-in Closet(s)Private MailboxSidewalkDishwasherDisposalGas Water Heater

2865 Whispering Trails Dr is a 2016-built home in Whispering Trails Ph 02, Winter Haven. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,253 square feet of living space. Listed at $229,900 (about $183/sqft), 108 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $298 annually.

From the listing

Move-in ready three-bedroom, two-bathroom home located in the desirable Whispering Trails Ph 02 community. This home features a spacious open floor plan that creates a seamless flow throughout the main living areas. The kitchen is functionally designed, equipped with durable laminate countertops and sleek stainless-steel appliances. Down the hall, the primary bedroom offers excellent storage space with a large walk-in closet. Step outside to enjoy a private, fully fenced-in backyard that provides a great space for outdoor living and activities. Conveniently located near major attractions and daily essentials, this home is just minutes away from LEGOLAND, local shopping centers, restaurants, schools, and medical facilities. With major roadways nearby, you will enjoy easy access and a straightforward commute to Orlando, Lakeland, and Tampa. Schedule your private showing today! One or more photos in this listing have been virtually staged.

The essentials

Built
2016
Price / sqft
$183
On market
108 days
Annual tax
$3,708
HOA
$298/yr
Flood zone
X · Low risk
Lot
4,600 sqft
Type
Single Family Residence

At a glance

Single family
Built 2016
2 car garage
4,600 sqft lot
Lot size
1,253 sqft
Living area

Payment

Est. monthly payment
$1,648/mo
Down payment (20%)
$45,980
Property taxes
$309/mo
HOA
$298/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2016
Lot
4,600 sqft
Cooling
Central Air
Heating
Central
Parking
-
Days on Market
108
High Ceilings
Thermostat
Walk-in Closet(s)
Private Mailbox
Sidewalk
Dishwasher
Disposal
Gas Water Heater
Microwave
Refrigerator
Elementary
Elbert Elem
Middle
Denison Middle
High
Winter Haven Senior

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

Flood Zone X
Annual Tax (2025)
$3,708
Parcel #
27-28-30-850002-001370

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
Whispering Trails Ph 02
County
Polk
MLS Area
33884 - Winter Haven / Cypress Gardens
Lot Size
4,600 sqft
Corner Lot
HOA
$298/yr
Whispering Trails HOA Inc.

Price history

Date
Event
Price
10/2/2026
Price change
Source: Stellar MLS #O6418851
$229,900-2.1%
$183/sqft
6/26/2026
Listed for sale
Source: Stellar MLS #O6418851
$234,900
$187/sqft

Neighborhood

2865 Whispering Trails Dr
Winter Haven, FL, 33884 · 33884 - Winter Haven / Cypress Gardens

Market insights

Offer Insights

Choose an offer strength

List price: $229,900
$229,900
99.5% – 100% of listTops out right at the list price
80% of listList price
221 of the last 351 home closings in 33884 landed at this number or higher (63%). The median one sat 38 days before it went under contract, and this one is on day 108 after a $5,000 cut.

Sample: 351 closed home sales in 33884 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$1,648/mo
Principal & interest$1,199
Property taxes$309
Insurance$115
HOA$25
Down payment20% · $45,980
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

$229,900

$183 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,253 sq ft

Time on market

108 days

Year built

2016

Monthly payment

About $1,648/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $3,708 annual tax bill, insurance, and the $298/yr HOA fee.

HOA fee

$298/yr

Managed by Whispering Trails HOA Inc..

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# O6418851.

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