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Overview

4 bd2 ba1,992 sqft2 car garageSingle Family
TypeSingle Family
HOA$420/yr
Built2019
Lot6,900 sqft
Living area1,992 sqft
Price / sqft$155
Garage2 car

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

About this home

Ceiling Fans(s)Eat-in KitchenKitchen/Family Room ComboOpen FloorplanSidewalkStreet LightsDishwasherDisposal

4669 Osprey Way is a 2019-built home in St James Xing, Winter Haven. Inside you'll find 4 bedrooms, 2 bathrooms, and 1,992 square feet of living space. Listed at $309,000 (about $155/sqft), 178 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $420 annually.

From the listing

This 4/2 home has a renovated interior showcasing modern upgrades throughout. The home features stunning new 36" x 24" porcelain tile flooring, offering a sleek, contemporary look with durability and easy maintenance. Move-in ready and designed for comfortable, stylish living. Dual access bedroom and bath provides the bedroom with private ensuite access while allowing the bathroom to serve as a main or guest bathroom from the hall, featuring two doors to maximize access and functionality. Large kitchen with island and lots of cabinet space and large pantry. Sliding doors leading to covered screened in porch with additional concreted tiled patio area that leads to a large backyard. Seller will consider contributing toward buyer’s closing costs.

The essentials

Built
2019
Price / sqft
$155
On market
178 days
Annual tax
$5,100
HOA
$420/yr
Flood zone
X · Low risk
Lot
6,900 sqft
Type
Single Family Residence

At a glance

Single family
Built 2019
2 car garage
Garage Door Opener
6,900 sqft lot
Lot size
1,992 sqft
Living area

Payment

Est. monthly payment
$2,227/mo
Down payment (20%)
$61,800
Property taxes
$425/mo
HOA
$420/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2019
Lot
6,900 sqft
Cooling
Central Air
Heating
Central
Parking
Garage Door Opener, Ground Level
Days on Market
178
Ceiling Fans(s)
Eat-in Kitchen
Kitchen/Family Room Combo
Open Floorplan
Sidewalk
Street Lights
Dishwasher
Disposal
Microwave
Range
Refrigerator
Elementary
Walter Caldwell Elem
High
Auburndale High School

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

Flood Zone X
Annual Tax (2025)
$5,100
Parcel #
25-28-12-339907-000690

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
St James Xing
County
Polk
MLS Area
33881 - Winter Haven / Florence Villa
Lot Size
6,900 sqft
HOA
$420/yr
Highland Community Management/Denise Abercrombie

Price history

Date
Event
Price
6/26/2026
Price change
Source: Stellar MLS #R4911042
$309,000-3.3%
$155/sqft
4/16/2026
Listed for sale
Source: Stellar MLS #R4911042
$319,500
$160/sqft

Neighborhood

4669 Osprey Way
Winter Haven, FL, 33881 · 33881 - Winter Haven / Florence Villa

Market insights

Offer Insights

Choose an offer strength

List price: $309,000
$307,500 – $309,000
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 41 days before it went under contract, and this one is on day 178 after a $10,500 cut.

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
$2,226/mo
Principal & interest$1,612
Property taxes$425
Insurance$155
HOA$35
Down payment20% · $61,800
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

$309,000

$155 per sq ft

Beds and baths

4 beds, 2 baths

Size

1,992 sq ft

Time on market

178 days

Year built

2019

Monthly payment

About $2,227/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $5,100 annual tax bill, insurance, and the $420/yr HOA fee.

HOA fee

$420/yr

Managed by Highland Community Management/Denise Abercrombie.

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 byEASY REALTYListing agent: Greg OwenListing data from Stellar MLS, MLS# R4911042.

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