

Overview
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Pricing, comps, HOA, the neighborhood. Answers before you fill out anything.
New construction · 2026
Different rules apply when you buy new
Build snapshot
- Build year
- 2026
- Builder
- Ask the team — not on MLS
- Community
- 38TH STREET SUBDIVISION
- 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
0 38th St NW is a 2026-built home in 38th Street Subdivision, Winter Haven. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,327 square feet of living space. Listed at $350,000 (about $264/sqft), 117 days on market. Flood zone AE - confirm flood insurance requirements with your lender.
Pre-Construction. To be built. Your opportunity to build a brand-new home and personalize it to your style is here! This to-be-built residence in the growing Winter Haven area offers the rare chance to enjoy new construction while selecting many of your own interior and exterior finishes to truly make it your own. Designed with modern living in mind, this thoughtfully planned home will feature an open-concept layout, stylish finishes, energy-efficient construction, and the peace of mind that comes with owning a brand-new home. Buyers will have the opportunity to choose colors and select finishes, creating a space that reflects their personal taste and lifestyle. Located in one of Winter Haven's rapidly expanding areas, you'll enjoy convenient access to shopping, dining, parks, lakes, and major roadways while still appreciating the charm and relaxed atmosphere that Winter Haven is known for. An added bonus: FHA construction loans are accepted, creating an excellent opportunity for first-time buyers and those looking to build their dream home with flexible financing options. Secure your future home early and take advantage of the ability to customize it from the start. Photos are for demonstration purposes only and may depict upgrades, finishes, and features that vary from the completed home. Contact us today for available floor plans, customization options, and estimated build timelines.
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The essentials
At a glance
Payment
Details
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: 267 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
$350,000
$264 per sq ft
Beds and baths
3 beds, 2 baths
Size
1,327 sq ft
Time on market
117 days
Year built
2026
Monthly payment
About $2,030/mo
That is 20% down on a 30-year fixed at 6.8%, plus the home's $356 annual tax bill, insurance.
Flood zone
Zone AE
That is a high-risk designation, so a lender will normally require flood insurance. Confirm the current rate before you write an offer.
Offer
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