1097 Carefree Cove Dr, photo 1
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Overview

3 bd2 ba1,484 sqftSingle Family
TypeSingle Family
HOANone listed
Built2026
Lot10,939 sqft
Living area1,484 sqft
Price / sqft$216

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

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

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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

High CeilingsOpen FloorplanPrimary Bedroom Main FloorSplit BedroomStone CountersWalk-in Closet(s)Street LightsDisposal

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.

From the listing

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.

The essentials

Built
2026
Price / sqft
$216
On market
9 days
Annual tax
$595
Flood zone
X · Low risk
Lot
10,939 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
Waterfront
Canal - Freshwater
0.25 acres
Lot size
1,484 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$1,878/mo
Down payment (20%)
$63,980
Property taxes
$50/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
10,939 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener
Waterfront
Canal - Freshwater
Days on Market
9
High Ceilings
Open Floorplan
Primary Bedroom Main Floor
Split Bedroom
Stone Counters
Walk-in Closet(s)
Street Lights
Disposal
Dryer
Electric Water Heater
Microwave
Range
Refrigerator
Washer
Elementary
Auburndale Central Elem
Middle
Lake Alfred-Addair Middle
High
Auburndale High School

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

Flood Zone X
Annual Tax (2026)
$595
Parcel #
26-28-08-528800-000240

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
Carefree Cove
County
Polk
MLS Area
33881 - Winter Haven / Florence Villa
Lot Size
10,939 sqft
In CountyNear Public TransitPaved

Price history

Date
Event
Price
10/7/2026
Listed for sale
Source: Stellar MLS #S5159095
$319,900
$216/sqft

Neighborhood

1097 Carefree Cove Dr
Winter Haven, FL, 33881 · 33881 - Winter Haven / Florence Villa

Market insights

Offer Insights

Choose an offer strength

List price: $319,900
$317,500 – $319,900
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 9.

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
$1,878/mo
Principal & interest$1,668
Property taxes$50
Insurance$160
Down payment20% · $63,980
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%. 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.

Offer

What should I offer?

Have another question?

Brokered byRE/MAX HERITAGE PROFESSIONALSListing agent: Frankie EizereListing data from Stellar MLS, MLS# S5159095.

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