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815 Andrew St, Winter Haven, FL, 33881

$191/sqft·Willowbrook North

4 bd2 ba1,814 sqft2 car garageSingle Family
Listed by DRB GROUP REALTY, LLC· Last updated · MLS# O6438380

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

Est. monthly payment
$2,056/mo
Down payment (20%)
$69,138
Property taxes
$74/mo
HOA
$6.25/mo
Rate assumed
6.8% · 30 yr
View full breakdown

At a glance

Single family
Built 2026
Community pool
Shared amenity
2 car garage
Driveway
5,663 sqft lot
Lot size
1,814 sqft
Living area

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
WILLOWBROOK NORTH
Type
Single Family Residence

True monthly carry

HOA
~$6/mo
CDD bond
Yes — typically $1,500–$3,500/yr
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.

11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

CDD heads-up.This community is in a Community Development District — there's a separate annual bond payment ($1,500–$3,500 typical) on top of HOA that builders often roll into the mortgage statement. Worth knowing before you write an offer.

About this home

Crown MoldingHigh CeilingsIN Wall Pest SystemKitchen/Family Room ComboPrimary Bedroom Main FloorStone CountersWalk-in Closet(s)Lighting

815 Andrew St is a 2026-built home in Willowbrook North, Winter Haven. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,814 square feet of living space. Listed at $345,690 (about $191/sqft), 1 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $6.25 monthly.

From the listing

Beautiful Single Level, 2 Car Garage Home with Open Concept Living and 4 Bedrooms! The Baker plan is in Farmhouse exterior design. Adjacent the foyer you'll find 3 secondary bedrooms and a full bathroom. The well-appointed island kitchen overlooks the spacious family room and adjoining cafe with access to the covered lanai. The primary suite boasts an en suite bathroom with dual sink vanity, shower, private water closet, and large walk-in closet.

The essentials

Built
2026
Price / sqft
$191
On market
3 days
Annual tax
$892
HOA
$6.25/mo
Flood zone
X · Low risk
Lot
5,663 sqft
Type
Single Family Residence

Location

815 Andrew St
Winter Haven, FL, 33881·33881 - Winter Haven / Florence Villa
Type
Single Family Residence
Year Built
2026
Lot
5,663 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, On Street
Days on Market
3
Crown Molding
High Ceilings
IN Wall Pest System
Kitchen/Family Room Combo
Primary Bedroom Main Floor
Stone Counters
Walk-in Closet(s)
Lighting
Sidewalk
Clubhouse
Community Mailbox
Irrigation-reclaimed Water
Pool
Sidewalks
Dishwasher
Disposal
Electric Water Heater
Microwave
Range

Elementary

Fred G. Garnier Elem

Middle

Denison Middle

High

Winter Haven Senior

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

In a CDD (Community Development District)Flood Zone X

Annual Tax (2026)

$892

Parcel #

26-28-10-530502-001040

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

Willowbrook North

County

Polk

MLS Area

33881 - Winter Haven / Florence Villa

Lot Size

5,663 sqft

ClearedCity LimitsLandscapedLevelNear Golf CourseSidewalkPaved
HOA
$6.25/mo
Willowbrook North Homeowners Association, Inc.
Date
Event
Price
9/10/2026
Listed for sale
Source: Stellar MLS #O6438380
$345,690
$191/sqft
Est. monthly payment$2,056/mo
Principal & interest$1,803
Property taxes$74
Insurance$173
HOA$6
Down payment20% · $69,138
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. HOA is the fee 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.

Offer Insights

Choose an offer strength

List price: $345,690
$345,000 – $345,690
99.5% – 100% of listTops out right at the list price
80% of listList price
130 of the last 206 home closings in 33881 landed at this number or higher (63%). The median one sat 42 days before it went under contract, and this one is on day 3.

Sample: 206 closed home sales in 33881 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

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