

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 1,322 square feet of living space. Listed at $350,000 (about $265/sqft), 118 days on market. Flood zone AE - confirm flood insurance requirements with your lender.
Pre-Construction. To be built. Lot 4 - Crown Model - Build the home you've always envisioned in beautiful Winter Haven! This to-be-built new construction home offers a unique opportunity to personalize your future residence from the very beginning. Buyers will have the ability to select interior and exterior color schemes and finishes, creating a home that truly reflects their individual style and preferences. Designed with modern living in mind, this home will feature a thoughtfully planned layout, quality craftsmanship, energy-efficient construction, and all the benefits that come with owning a brand-new home. Conveniently located near Winter Haven's shopping, dining, schools, parks, and the area's renowned chain of lakes, you'll enjoy both everyday convenience and the charm of one of Central Florida's fastest-growing communities. FHA construction loans are accepted, making homeownership more attainable for buyers looking to build instead of buy resale. Secure your homesite now and take advantage of the opportunity to customize your new home before construction is complete. Photos are for demonstration purposes only and may include finishes, colors, and upgrades that vary from the final product. Contact us today for available plans, timelines, and customization options.
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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: 268 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
$265 per sq ft
Beds and baths
3 beds, 2 baths
Size
1,322 sq ft
Time on market
118 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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