

Overview
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Open house
Saturday, Oct 17 · 11:00 AM to 3:00 PM
New construction · 2026
Different rules apply when you buy new
Build snapshot
- Build year
- 2026
- Builder
- Ask the team — not on MLS
- Community
- CAREFREE COVE
- Type
- Single Family Residence
True monthly carry
- HOA
- None / TBD
- CDD bond
- No CDD disclosed
- Builder incentives
- Ask — change weekly
What we'll do for you on a new build
Builder contract redlines
Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.
11-month inspection
Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.
Verified incentives
We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.
About this home
1097 Carefree Cove Dr is a 2026-built home in Carefree Cove, Winter Haven. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,484 square feet of living space. Listed at $319,900 (about $216/sqft), 9 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable.
There is something different about living where the water is part of your everyday routine. This new-construction Winter Haven home sits along a freshwater canal connecting Lake Conine and Lake Hartridge within the Winter Haven Chain of Lakes, giving you a lifestyle that most new homes simply cannot offer. Inside, the home feels bright, clean and thoughtfully designed for the way people actually live. The kitchen, dining area and living room flow together naturally, keeping everyone connected whether you are preparing dinner, entertaining friends or enjoying a quiet evening at home. The kitchen features white shaker-style cabinetry, stone countertops, stainless-steel appliances and a generous center island that works equally well for meal prep, casual dining and conversation. Warm wood-look flooring adds contrast and warmth throughout the main living areas. Sliding glass doors extend the living space to the screened covered lanai, creating a comfortable place to enjoy morning coffee, evening conversations, summer rainstorms or the canal-side setting just beyond the backyard. The primary suite is positioned apart from the secondary bedrooms for added privacy. Its bathroom includes dual sinks, a long vanity and an oversized glass-enclosed shower with large-format tile and a rainfall-style showerhead. Two additional bedrooms and a second full bath provide flexibility for family, guests or a home office. A dedicated laundry room, pantry storage and two-car garage make everyday routines easier, while the open layout keeps the home functional without wasting space. What really sets this property apart is the setting. Instead of backing up to another row of homes, the backyard opens toward a freshwater canal with access to one of Winter Haven’s most defining features: the Chain of Lakes. Whether you enjoy fishing, boating, spending time outdoors or simply being near the water, this home offers a direct connection to the Florida lifestyle. And there is another combination that is increasingly difficult to find in new construction: no HOA and no CDD. You can enjoy a newer home, modern finishes and canal access without the recurring community fees common in many newer developments. Convenient access to Winter Haven shopping, dining, medical services, downtown destinations and Central Florida attractions adds even more appeal. If you have been looking for a home that offers more than just new construction, one with modern design, screened outdoor living, canal access and the freedom of no HOA or CDD—this is one worth experiencing in person.
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The essentials
At a glance
Payment
Details
Districts can re-zone, so verify directly with the district before relying on these.
Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.
Price history
Neighborhood
Market insights
Offer Insights
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Sample: 275 closed home sales in 33881 over the last 8 months, Stellar MLS. A starting point, not a guarantee.
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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. 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
$319,900
$216 per sq ft
Beds and baths
3 beds, 2 baths
Size
1,484 sq ft
Time on market
9 days
Year built
2026
Monthly payment
About $1,878/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $595 annual tax bill, insurance.
Flood zone
Zone X
That is outside the high-risk areas, so flood insurance is usually optional rather than required by a lender.
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