1020 Cambridge Dr, photo 1
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Overview

4 bd2 ba1,500 sqft2 car garageSingle Family
TypeSingle Family
HOA$16.66/mo
Built2021
Lot6,482 sqft
Living area1,500 sqft
Price / sqft$187
Garage2 car

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About this home

Split BedroomThermostatWalk-in Closet(s)SidewalkSprinkler MeteredStreet LightsDishwasherDisposal

1020 Cambridge Dr is a 2021-built home in Lucerne Park Reserve, Winter Haven. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,500 square feet of living space. Listed at $279,900 (about $187/sqft), 38 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $16.66 monthly.

From the listing

Virtually Staged. Welcome to this beautiful one-story Freeport floor plan featuring 4 bedrooms, 2 bathrooms, an open-concept kitchen and great room, a private primary suite with a walk-in closet, a patio, and a two-car garage. The home also includes solar panels, offering incredible energy savings even during August, one of the hottest months of the year; the electric bill was under $20! The buyer must assume the existing solar-panel account. Don’t miss this wonderful opportunity to enjoy a comfortable home with significantly lower energy costs!

The essentials

Built
2021
Price / sqft
$187
On market
38 days
Annual tax
$5,952
HOA
$16.66/mo
Flood zone
X · Low risk
Lot
6,482 sqft
Type
Single Family Residence

At a glance

Single family
Built 2021
2 car garage
Driveway
6,482 sqft lot
Lot size
1,500 sqft
Living area

Payment

Est. monthly payment
$2,113/mo
Down payment (20%)
$55,980
Property taxes
$496/mo
HOA
$16.66/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2021
Lot
6,482 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway
Days on Market
38
Split Bedroom
Thermostat
Walk-in Closet(s)
Sidewalk
Sprinkler Metered
Street Lights
Dishwasher
Disposal
Dryer
Microwave
Range
Refrigerator
Homestead exemption on file In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$5,952
Parcel #
26-28-02-522103-002930

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
Lucerne Park Reserve
County
Polk
MLS Area
33881 - Winter Haven / Florence Villa
Lot Size
6,482 sqft
HOA
$16.66/mo
Lucerne Park Reserve HOA - Vesta Property Services

Price history

Date
Event
Price
9/2/2026
Listed for sale
Source: Stellar MLS #O6439455
$279,900
$187/sqft

Neighborhood

1020 Cambridge Dr
Winter Haven, FL, 33881 · 33881 - Winter Haven / Florence Villa

Market insights

Offer Insights

Choose an offer strength

List price: $279,900
$277,500 – $279,900
99.5% – 100% of listTops out right at the list price
80% of listList price
164 of the last 267 home closings in 33881 landed at this number or higher (61%). The median one sat 42 days before it went under contract, and this one is on day 38.

Sample: 267 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

Calculator

Est. monthly payment
$2,112/mo
Principal & interest$1,460
Property taxes$496
Insurance$140
HOA$17
Down payment20% · $55,980
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 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.

Quick answers.

Price

$279,900

$187 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,500 sq ft

Time on market

38 days

Year built

2021

Monthly payment

About $2,113/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,952 annual tax bill, insurance, and the $16.66/mo HOA fee.

HOA fee

$16.66/mo

Managed by Lucerne Park Reserve HOA - Vesta Property Services.

Flood zone

Zone X

That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.

Offer

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Brokered byCAPITAL HOMES INCListing agent: Tatiana JorgeListing data from Stellar MLS, MLS# O6439455.

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