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Overview

3 bd2 ba1,893 sqft2 car garageSingle Family
TypeSingle Family
HOA$332/yr
Built2004
Lot10,393 sqft
Living area1,893 sqft
Price / sqft$190
Garage2 car

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

About this home

Built-in FeaturesCeiling Fans(s)Open FloorplanPrimary Bedroom Main FloorSolid Wood CabinetsSplit BedroomThermostatWalk-in Closet(s)

464 Terranova St is a 2004-built home in Terranova Ph 03, Winter Haven. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,893 square feet of living space. Listed at $359,900 (about $190/sqft), 27 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $332 semi-annually.

From the listing

Welcome home to this stunning 3-bedroom, 2-bathroom residence tucked into the sought-after, gated community of Terranova. From the moment you step inside, an open floor plan invites you through sun-filled living spaces accented by elegant crown moulding and custom built-ins. The chef-inspired kitchen anchors the home with generous counter space and a breakfast bar — perfect for casual mornings or entertaining guests. Plantation shutters throughout add a touch of timeless charm while offering privacy and light control in every room. Step outside to a spacious backyard, a blank canvas ready for weekend barbecues, a play area, or the pool of your dreams. Beyond your front door, Terranova's gated setting offers peace of mind just minutes from shopping, dining, and medical facilities — the perfect blend of tranquility and convenience. Don't miss this one — call today to schedule your private showing!

The essentials

Built
2004
Price / sqft
$190
On market
27 days
Annual tax
$4,380
HOA
$332/yr
Flood zone
X · Low risk
Lot
10,393 sqft
Type
Single Family Residence

At a glance

Single family
Built 2004
2 car garage
Driveway
10,393 sqft lot
Lot size
1,893 sqft
Living area

Payment

Est. monthly payment
$2,450/mo
Down payment (20%)
$71,980
Property taxes
$365/mo
HOA
$332/yr
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2004
Lot
10,393 sqft
Cooling
Central Air
Heating
Central, Electric
Parking
Driveway, Garage Door Opener
Days on Market
27
Built-in Features
Ceiling Fans(s)
Open Floorplan
Primary Bedroom Main Floor
Solid Wood Cabinets
Split Bedroom
Thermostat
Walk-in Closet(s)
Window Treatments
Lighting
Rain Gutters
Shade Shutter(s)
Deed Restrictions
Gated Community - No Guard
Sidewalks
Dishwasher
Dryer
Electric Water Heater
Exhaust Fan
Microwave
Range
Refrigerator
Washer
Elementary
Chain O Lakes Elem
Middle
Denison Middle
High
Lake Region High

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

Homestead exemption on file Flood Zone X
Annual Tax (2025)
$4,380
Parcel #
26-29-14-687807-002130

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
Terranova Ph 03
County
Polk
MLS Area
33884 - Winter Haven / Cypress Gardens
Lot Size
10,393 sqft
Paved
HOA
$332/yr
David D'Agostino

Price history

Date
Event
Price
9/14/2026
Listed for sale
Source: Stellar MLS #TB8548427
$359,900
$190/sqft

Neighborhood

464 Terranova St
Winter Haven, FL, 33884 · 33884 - Winter Haven / Cypress Gardens

Market insights

Offer Insights

Choose an offer strength

List price: $359,900
$357,500 – $359,900
99.5% – 100% of listTops out right at the list price
80% of listList price
220 of the last 350 home closings in 33884 landed at this number or higher (63%). The median one sat 38 days before it went under contract, and this one is on day 27.

Sample: 350 closed home sales in 33884 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

Calculator

Est. monthly payment
$2,450/mo
Principal & interest$1,877
Property taxes$365
Insurance$180
HOA$28
Down payment20% · $71,980
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%. HOA includes any condo dues reported on the listing. 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

$359,900

$190 per sq ft

Beds and baths

3 beds, 2 baths

Size

1,893 sq ft

Time on market

27 days

Year built

2004

Monthly payment

About $2,450/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,380 annual tax bill, insurance, and the $332/yr HOA fee.

HOA fee

$332/yr

Managed by David D'Agostino.

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?

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Brokered byKELLER WILLIAMS TAMPA CENTRALListing agent: Bree AllisonListing data from Stellar MLS, MLS# TB8548427.

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