4856 Summerfield Cir, photo 1
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Overview

4 bd2 ba1,688 sqft2 car garageSingle Family
TypeSingle Family
HOA$430/yr
Built2016
Lot6,238 sqft
Living area1,688 sqft
Price / sqft$172
Garage2 car

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About this home

Ceiling Fans(s)Eat-in KitchenOpen FloorplanPrimary Bedroom Main FloorStone CountersVaulted Ceiling(s)SidewalkDishwasher

4856 Summerfield Cir is a 2016-built home in Country Club Estates, Winter Haven. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,688 square feet of living space. Listed at $290,000 (about $172/sqft), 29 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $430 annually.

From the listing

Virtually Staged. Welcome to this inviting 4-bedroom, 2-bath home in Country Club Estates, offering a comfortable open layout, beautiful pond views, and a convenient Winter Haven location. With a brand-new roof, this home is ready for its next owner to move in and make it their own. Step inside to a bright, open living and dining area with high ceilings and plenty of natural light. The kitchen overlooks the main living space and features granite countertops, abundant cabinetry, a breakfast bar, and a functional layout that makes everyday living and entertaining easy. The spacious primary suite offers a private retreat with a large walk-in closet and an ensuite bath featuring a granite-topped vanity and tiled walk-in shower. Three additional bedrooms provide plenty of flexibility for family, guests, a home office, or hobby space. One of the home's best features is out back. The screened lanai overlooks the backyard and pond, creating a relaxing place to enjoy your morning coffee, unwind in the evening, or simply take in the peaceful water views. Step outside and enjoy the open backyard with **direct pond frontage and the opportunity to fish right from your own backyard. The location adds even more appeal. A brand-new Publix shopping complex is conveniently located just before the entrance to Country Club Estates, putting groceries and everyday necessities just minutes from home. You're also close to Downtown Winter Haven's restaurants, shopping, entertainment, and the area's Chain of Lakes, while LEGOLAND Florida Resort is just a short drive away. For those looking to enjoy everything Central Florida has to offer, Winter Haven provides convenient access toward Orlando and its world-famous theme parks, while also keeping Tampa, Clearwater Beach, St. Petersburg, and Florida's Gulf Coast within reach for day trips and weekend getaways. With four bedrooms, a brand-new roof, screened lanai, pond frontage, fishing opportunities, a two-car garage, and a highly convenient location, this Country Club Estates home brings together the features buyers are looking for in the Florida lifestyle.

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The essentials

Built
2016
Price / sqft
$172
On market
29 days
Annual tax
$4,203
HOA
$430/yr
Flood zone
X · Low risk
Lot
6,238 sqft
Type
Single Family Residence

At a glance

Single family
Built 2016
Water views
Water
2 car garage
6,238 sqft lot
Lot size
1,688 sqft
Living area

Payment

Est. monthly payment
$2,043/mo
Down payment (20%)
$58,000
Property taxes
$350/mo
HOA
$430/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2016
Lot
6,238 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
-
Days on Market
29
Ceiling Fans(s)
Eat-in Kitchen
Open Floorplan
Primary Bedroom Main Floor
Stone Counters
Vaulted Ceiling(s)
Sidewalk
Dishwasher
Electric Water Heater
Microwave
Range
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 (2026)
$4,203
Parcel #
26-28-24-588503-000360

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
Country Club Estates
County
Polk
MLS Area
33881 - Winter Haven / Florence Villa
Lot Size
6,238 sqft
HOA
$430/yr
Highland Community Mgmt.

Price history

Date
Event
Price
9/16/2026
Listed for sale
Source: Stellar MLS #O6441991
$290,000
$172/sqft

Neighborhood

4856 Summerfield Cir
Winter Haven, FL, 33881 · 33881 - Winter Haven / Florence Villa

Market insights

Offer Insights

Choose an offer strength

List price: $290,000
$287,500 – $290,000
99.5% – 100% of listTops out right at the list price
80% of listList price
169 of the last 272 home closings in 33881 landed at this number or higher (62%). The median one sat 42 days before it went under contract, and this one is on day 29.

Sample: 272 closed home sales in 33881 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

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Calculator

Est. monthly payment
$2,044/mo
Principal & interest$1,512
Property taxes$350
Insurance$145
HOA$36
Down payment20% · $58,000
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

$290,000

$172 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,688 sq ft

Time on market

29 days

Year built

2016

Monthly payment

About $2,043/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,203 annual tax bill, insurance, and the $430/yr HOA fee.

HOA fee

$430/yr

Managed by Highland Community Mgmt..

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 byCOLDWELL BANKER REALTYListing agent: Jared LippelgoosListing data from Stellar MLS, MLS# O6441991.

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