2796 Whispering Trails Dr, photo 1
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Overview

3 bd2 ba1,158 sqft2 car garageSingle Family
TypeSingle Family
HOA$298.93/qtr
Built2009
Lot4,600 sqft
Living area1,158 sqft
Price / sqft$164
Garage2 car

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

About this home

Walk-in Closet(s)Street Lights

2796 Whispering Trails Dr is a 2009-built home in Whispering Trails Ph 02, Winter Haven. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,158 square feet of living space. Listed at $190,000 (about $164/sqft), 21 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $298.93 quarterly.

From the listing

Short Sale. Block 3-2 block home, needs repairs, but can be a great income producing , down sizing or first time home buyer home. House is in need of repaires,no leaks, floors and painted is needed. Being sold in as is condition.

The essentials

Built
2009
Price / sqft
$164
On market
21 days
Annual tax
$2,492
HOA
$298.93/qtr
Flood zone
X · Low risk
Lot
4,600 sqft
Type
Single Family Residence

At a glance

Single family
Built 2009
2 car garage
4,600 sqft lot
Lot size
1,158 sqft
Living area

Payment

Est. monthly payment
$1,394/mo
Down payment (20%)
$38,000
Property taxes
$208/mo
HOA
$298.93/qtr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2009
Lot
4,600 sqft
Cooling
Central Air
Heating
Central, Electric, Heat Pump
Parking
-
Days on Market
21
Walk-in Closet(s)
Street Lights
Homestead exemption on file Flood Zone X
Annual Tax (2025)
$2,492
Parcel #
27-28-30-850002-002780

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
Cleared
HOA
$298.93/qtr
Specialty Management

Price history

Date
Event
Price
9/23/2026
Listed for sale
Source: Stellar MLS #P4939992
$190,000
$164/sqft

Neighborhood

2796 Whispering Trails Dr
Winter Haven, FL, 33884 · 33884 - Winter Haven / Cypress Gardens

Market insights

Offer Insights

Choose an offer strength

List price: $190,000
$190,000
99.5% – 100% of listTops out right at the list price
80% of listList price
224 of the last 355 home closings in 33884 landed at this number or higher (63%). The median one sat 39 days before it went under contract, and this one is on day 21.

Sample: 355 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
$1,394/mo
Principal & interest$991
Property taxes$208
Insurance$95
HOA$100
Down payment20% · $38,000
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

$190,000

$164 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,158 sq ft

Time on market

21 days

Year built

2009

Monthly payment

About $1,394/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $2,492 annual tax bill, insurance, and the $298.93/qtr HOA fee.

HOA fee

$298.93/qtr

Managed by Specialty Management.

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 byKELLER WILLIAMS REALTY SMART 1Listing agent: Lucy MartinezListing data from Stellar MLS, MLS# P4939992.

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