988 CAMBRIDGE DRIVE, WINTER HAVEN, FL, 33881
Active12 days on marketListed Oct 6, 2026MLS #A4708281
About this home
988 CAMBRIDGE DRIVE
SAY GOODBYE TO YOUR ELECTRIC BILL! This 2021-built Winter Haven home with LOW HOA's comes with a fully paid-off, owned solar system from Sunlight Solar worth $40,000. There's no lease, no loan, and no monthly payment to take over, so you keep thousands of dollars in electricity savings every year! Want more? The home also comes with a fully owned whole-house water filtration system, and the A/C is on a maintenance plan. Inside is the builder's most popular floor plan, "The Cali": 4 bedrooms, 2 baths, and 1,867 sq ft, all on one level. The split layout gives the primary suite some privacy, and it has dual sinks and a large walk-in closet. The kitchen island and open layout make it easy to have people over, and wood-look laminate flooring runs through the kitchen, dining area, and living room. Enjoy your morning coffee on the screened-in lanai overlooking the private backyard and trees, with plenty of room for pets, play and Sunday BBQ's! The Lucerne Park Reserve community has a resort-style pool, a playground, and walking areas. It's right between Tampa and Orlando, about 30 minutes from Disney, and close to shopping, dining, schools, and major roads. Homes with fully paid-off, owned solar don't come around often. Schedule your showing today!
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,867
Sqft
0.14 ac
Lot size
2
Garage
2021
Year built
One
Levels
$161
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$2,627 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$2,627/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
+11%
$/sqft vs LUCERNE PARK RESERVE
$161 vs $161
Days on market
12 vs 74 typical
Where $161/sqft sits among the 11 homes for sale in LUCERNE PARK RESERVE
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Winter Haven
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
WINTER HAVEN 33881 — neighborhood snapshot
Population
39,189
Median age
43.6
Median income
$53,867
Median home value
$177,400
Avg household
2.61
Households w/ children
3,730
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Haven market
$283K → $279K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
6 of 11
LUCERNE PARK RESERVE have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 25% above the WINTER HAVEN 33881 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 988 CAMBRIDGE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Feb ’26$260,000
702 PEYTON BROOKE WAY · same community
4 bd · 2 ba · 1,867 sqft · $139/sqft · 60 DOM
Sold · Mar ’26$282,000
880 CAMBRIDGE DRIVE · same community
4 bd · 3 ba · 1,849 sqft · $153/sqft · 187 DOM
Sold · Feb ’26$230,777
837 CAMBRIDGE DRIVE · same community
4 bd · 2 ba · 1,767 sqft · $131/sqft · 17 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Leila Sabat
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 988 CAMBRIDGE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 988 CAMBRIDGE DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Leila's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
988 CAMBRIDGE DRIVE FAQs
What would the monthly payment be for 988 CAMBRIDGE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,627/mo — principal and interest, the actual property-tax bill, the $17/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 988 CAMBRIDGE DRIVE?+
The association fee works out to $17 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 988 CAMBRIDGE DRIVE?+
The most recent tax bill on record (2025) was $6,620. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 988 CAMBRIDGE DRIVE?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in Winter Haven?+
At $299,900, this home is listed about 5% above the Winter Haven median of $286,450. The market section on this page shows how the area is trending.
Which schools are assigned to 988 CAMBRIDGE DRIVE?+
Fred G. Garner Academy (elementary), Winter Haven Senior High School (high), Lake Alfred Polytech Academy (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of THE ORANGE REAL ESTATE GROUP · Adrian Alanis Arredondo. MLS #A4708281.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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