1040 Cambridge Dr, photo 1
Active
1 / 41

Overview

3 bd2 ba1,727 sqft2 car garageSingle Family
TypeSingle Family
HOA$200/yr
Built2021
Lot6,490 sqft
Living area1,727 sqft
Price / sqft$141
Garage2 car

Ask anything about this home

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

About this home

High CeilingsKitchen/Family Room ComboLiving Room/Dining Room ComboPrimary Bedroom Main FloorWalk-in Closet(s)Window TreatmentsGardenLighting

1040 Cambridge Dr is a 2021-built home in Lucerne Park Reserve, Winter Haven. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,727 square feet of living space. Listed at $243,500 (about $141/sqft), 108 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $200 annually.

From the listing

Short Sale. A beautifully maintained 3 bedroom, 2 bath home built in 2021, with 1,727 square feet of thoughtfully designed living space. Located in the desirable Lucerne Park Reserve community, this home combines modern finishes, an open layout, and everyday convenience. Step inside to discover a bright, open-concept floor plan featuring tile and luxury vinyl plank flooring throughout, and high ceilings that create a spacious, inviting atmosphere. The stylish kitchen is the heart of the home, complete with stainless steel appliances, a large center island, generous pantry, and plenty of counter space perfect for entertaining or everyday living.The private primary suite offers a relaxing retreat with a walk-in closet and an en-suite bathroom featuring dual vanities. A split-bedroom floor plan provides privacy for family members or guests, while the indoor laundry room adds everyday convenience. Enjoy Florida living from the covered rear porch overlooking a peaceful greenbelt, providing added privacy with no rear neighbors. The home also includes a 2-car attached garage, irrigation system, and attractive landscaping. Residents of Lucerne Park Reserve enjoy community amenities including a pool, playground, sidewalks, and streetlights. Conveniently located just minutes from Highway 27, shopping, dining, and approximately 20 minutes from Legoland Florida, this home offers easy access to everything Central Florida has to enjoy.

The essentials

Built
2021
Price / sqft
$141
On market
108 days
Annual tax
$7,188
HOA
$200/yr
Flood zone
X · Low risk
Lot
6,490 sqft
Type
Single Family Residence

At a glance

Single family
Built 2021
Community pool
Shared amenity
2 car garage
Driveway
6,490 sqft lot
Lot size
1,727 sqft
Living area

Payment

Est. monthly payment
$2,008/mo
Down payment (20%)
$48,700
Property taxes
$599/mo
HOA
$200/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2021
Lot
6,490 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway, Garage Door Opener
Days on Market
108
High Ceilings
Kitchen/Family Room Combo
Living Room/Dining Room Combo
Primary Bedroom Main Floor
Walk-in Closet(s)
Window Treatments
Garden
Lighting
Private Yard
Sidewalk
Deed Restrictions
Playground
Pool
Sidewalks
Dishwasher
Disposal
Electric Water Heater
Range
Refrigerator
Elementary
Lake Alfred Elem
Middle
Denison Middle
High
Winter Haven Senior

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

Homestead exemption on file In a CDD (Community Development District) Flood Zone X
Annual Tax (2025)
$7,188
Parcel #
26-28-02-522103-000940

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
6,490 sqft
HOA
$200/yr
Vesta property Service

Price history

Date
Event
Price
9/28/2026
Price change
Source: Stellar MLS #OM727915
$243,500+3.6%
$141/sqft
6/29/2026
Listed for sale
Source: Stellar MLS #OM727915
$235,000
$136/sqft

Neighborhood

1040 Cambridge Dr
Winter Haven, FL, 33881 · 33881 - Winter Haven / Florence Villa

Market insights

Offer Insights

Choose an offer strength

List price: $243,500
$243,500
99.5% – 100% of listTops out right at the list price
80% of listList price
171 of the last 275 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 108.

Sample: 275 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
$2,008/mo
Principal & interest$1,270
Property taxes$599
Insurance$122
HOA$17
Down payment20% · $48,700
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 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

$243,500

$141 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,727 sq ft

Time on market

108 days

Year built

2021

Monthly payment

About $2,008/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $7,188 annual tax bill, insurance, and the $200/yr HOA fee.

HOA fee

$200/yr

Managed by Vesta property Service.

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 byEXP REALTY LLCListing agent: Kate WilsonListing data from Stellar MLS, MLS# OM727915.

Keep exploring Florida

Pick up where you left off, or see what else is out there.