0 38th St NW, photo 1
Active
1 / 8

Overview

3 bd2 ba1,322 sqft2 car garageSingle Family
TypeSingle Family
HOANone listed
Built2026
Lot7,388 sqft
Living area1,322 sqft
Price / sqft$265
Garage2 car

Ask anything about this home

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)LightingPrivate MailboxDishwasherMicrowaveRefrigerator

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.

From the listing

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.

The essentials

Built
2026
Price / sqft
$265
On market
118 days
Annual tax
$356
Flood zone
AE
Lot
7,388 sqft
Type
Single Family Residence

At a glance

Single family
Built 2026
2 car garage
Driveway
7,388 sqft lot
Lot size
1,322 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
7,388 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway
Days on Market
118
Ceiling Fans(s)
Lighting
Private Mailbox
Dishwasher
Microwave
Refrigerator
Flood Zone AE
Annual Tax (2025)
$356
Parcel #
25-28-24-353604-000040

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
7,388 sqft

Price history

Date
Event
Price
6/17/2026
Listed for sale
Source: Stellar MLS #TB8520450
$350,000
$265/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
165 of the last 268 home closings in 33881 landed at this number or higher (62%). The median one sat 41 days before it went under contract, and this one is on day 118.

Sample: 268 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

$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

What should I offer?

Have another question?

Brokered byMIHARA & ASSOCIATES INC.Listing agent: Heather SpinosaListing data from Stellar MLS, MLS# TB8520450.

Keep exploring Florida

Pick up where you left off, or see what else is out there.