0 38th St NW, photo 1
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Overview

3 bd2 ba1,327 sqftSingle Family
TypeSingle Family
HOANone listed
Built2026
Lot7,449 sqft
Living area1,327 sqft
Price / sqft$264

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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

Ceiling Fans(s)Private MailboxCooktopDishwasher

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.

From the listing

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.

The essentials

Built
2026
Price / sqft
$264
On market
117 days
Annual tax
$356
Flood zone
AE
Lot
7,449 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
7,449 sqft lot
Lot size
1,327 sqft
Living area
Brand new
Built 2026

Payment

Est. monthly payment
$2,030/mo
Down payment (20%)
$70,000
Property taxes
$30/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2026
Lot
7,449 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway
Days on Market
117
Ceiling Fans(s)
Private Mailbox
Cooktop
Dishwasher
Flood Zone AE
Annual Tax (2025)
$356
Parcel #
25-28-24-353604-000010

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
38th Street Subdivision
County
Polk
MLS Area
33881 - Winter Haven / Florence Villa
Lot Size
7,449 sqft

Price history

Date
Event
Price
6/16/2026
Listed for sale
Source: Stellar MLS #TB8520402
$350,000
$264/sqft

Neighborhood

0 38th St NW
Winter Haven, FL, 33881 · 33881 - Winter Haven / Florence Villa

Market insights

Offer Insights

Choose an offer strength

List price: $350,000
$347,500 – $350,000
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 117.

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
$2,030/mo
Principal & interest$1,825
Property taxes$30
Insurance$175
Down payment20% · $70,000
Interest rate6.80%
Loan term

Not sure what you can afford?

Put in your household income and we will tell you where this payment sits.

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

What should I offer?

Have another question?

Brokered byMIHARA & ASSOCIATES INC.Listing agent: Heather SpinosaListing data from Stellar MLS, MLS# TB8520402.

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