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Overview

2 bd2 ba1,719 sqft2 car garageSingle Family
TypeSingle Family
HOA$435/mo
Built2006
Lot5,114 sqft
Living area1,719 sqft
Price / sqft$145
Garage2 car

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

About this home

High CeilingsClubhouseDeed RestrictionsFitness CenterGated Community - No GuardGolf Carts OKPoolTennis Court(s)

4035 Carteret Dr is a 2006-built home in Traditions Ph 01, Winter Haven. Inside you'll find 2 bedrooms, 2 bathrooms, and 1,719 square feet of living space. Listed at $249,900 (about $145/sqft), 13 days on market. Flood zone X - outside the FEMA high-risk areas, which keeps insurance manageable. HOA runs $435 monthly.

From the listing

Welcome to 4035 Carteret Drive, located in the gated 55+ community of Traditions at Lake Ruby. This spacious 2-bedroom, 2-bath home offers approximately 1,719 square feet of single-story living plus a versatile office/den and enclosed sunroom. The open floor plan provides comfortable living and entertaining space, while the attached two-car garage offers convenient parking and storage. Enjoy low-maintenance living with an HOA that provides community services including lawn care, cable and internet. Traditions offers an impressive collection of amenities including a lakefront clubhouse, heated pool and spa, fitness center, tennis and pickleball courts, bocce ball, shuffleboard, dog park, boat ramp, dock and access to Lake Ruby.

The essentials

Built
2006
Price / sqft
$145
On market
13 days
Annual tax
$4,289
HOA
$435/mo
Flood zone
X · Low risk
Lot
5,114 sqft
Type
Single Family Residence

At a glance

Single family
Built 2006
Community pool
Fitness center too
2 car garage
Driveway
5,114 sqft lot
Lot size
1,719 sqft
Living area

Payment

Est. monthly payment
$2,220/mo
Down payment (20%)
$49,980
Property taxes
$357/mo
HOA
$435/mo
Rate assumed
6.8% · 30 yr
View full breakdown

Details

Type
Single Family Residence
Year Built
2006
Lot
5,114 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway
Days on Market
13
High Ceilings
Clubhouse
Deed Restrictions
Fitness Center
Gated Community - No Guard
Golf Carts OK
Pool
Tennis Court(s)
Dishwasher
Microwave
Range
Refrigerator
Flood Zone X
Annual Tax (2025)
$4,289
Parcel #
26-29-13-687552-000770

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
Traditions Ph 01
County
Polk
MLS Area
33884 - Winter Haven / Cypress Gardens
Lot Size
5,114 sqft
HOA
$435/mo
Dulcy Murchison

Price history

Date
Event
Price
10/2/2026
Listed for sale
Source: Stellar MLS #TB8554454
$249,900
$145/sqft

Neighborhood

4035 Carteret Dr
Winter Haven, FL, 33884 · 33884 - Winter Haven / Cypress Gardens

Market insights

Offer Insights

Choose an offer strength

List price: $249,900
$249,900
99.5% – 100% of listTops out right at the list price
80% of listList price
224 of the last 355 home closings in 33884 landed at this number or higher (63%). The median one sat 39 days before it went under contract, and this one is on day 13.

Sample: 355 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
$2,221/mo
Principal & interest$1,303
Property taxes$357
Insurance$125
HOA$435
Down payment20% · $49,980
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

$249,900

$145 per sq ft

Beds and baths

2 beds, 2 baths

Size

1,719 sq ft

Time on market

13 days

Year built

2006

Monthly payment

About $2,220/mo

That is 20% down on a 30-year fixed at 6.8%, plus the home's $4,289 annual tax bill, insurance, and the $435/mo HOA fee.

HOA fee

$435/mo

Managed by Dulcy Murchison.

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?

Have another question?

Brokered byLKV REALTY, LLCListing agent: Bryan RhoadsListing data from Stellar MLS, MLS# TB8554454.

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