3184 ROYAL TERN DRIVE, WINTER HAVEN, FL, 33881
Active57 days on marketListed Jun 10, 2026MLS #L4962612
About this home
3184 ROYAL TERN DRIVE
Imagine yourself starting each morning with a cup of coffee on your covered lanai, enjoying the peaceful Florida weather before the day begins. Step inside this beautifully upgraded 3-bedroom, 2-bath split-plan home and you’ll immediately notice the care that’s been put into every detail. From the updated flooring throughout the bedrooms, living room, and dining room to the stunning epoxy countertops in the kitchen and bathrooms, this home blends comfort and style effortlessly. The kitchen has been refreshed with a modern backsplash, while new ceiling fans in the living room and primary bedroom add the perfect finishing touch. Outside, you’ll enjoy the privacy of a fully fenced backyard, a whole-home water filtration system, and the peace of mind that comes with a new roof installed in 2023. Conveniently located just minutes from I-4, shopping, dining, and entertainment, you’ll have everything you need close to home. Plus, enjoy access to two community pools and a community playing field. This isn’t just a house—it’s where movie nights become traditions, morning coffee becomes a ritual, and ordinary moments become memories. Ready to make it yours? Let’s schedule your private showing today.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,725
Sqft
0.15 ac
Lot size
2
Garage
2020
Year built
One
Levels
$166
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.
$2,362 /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
$2,362/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
+15%
$/sqft vs Winter Haven actives
$166 vs $170
Days on market
57 vs 48 typical
Where $166/sqft sits among the 400 Winter Haven actives
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 → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
194 of 400
Winter Haven actives have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 17% 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 3184 ROYAL TERN DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Apr ’26$285,000
4094 GREAT EGRET DRIVE · same community
4 bd · 2 ba · 1,828 sqft · $156/sqft · 178 DOM
Sold · Apr ’26$275,000
3082 ROYAL TERN DRIVE · same community
4 bd · 2 ba · 1,851 sqft · $149/sqft · 74 DOM
Sold · Nov ’25$362,000
3105 ROYAL TERN DRIVE · same community
5 bd · 3 ba · 2,601 sqft · $139/sqft · 20 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
Bridget McLennon
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 3184 ROYAL TERN DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3184 ROYAL TERN DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Bridget's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3184 ROYAL TERN DRIVE FAQs
What would the monthly payment be for 3184 ROYAL TERN DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,362/mo — principal and interest, the actual property-tax bill, the $15/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 3184 ROYAL TERN DRIVE?+
The association fee works out to $15 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3184 ROYAL TERN DRIVE?+
The most recent tax bill on record (2025) was $4,454. 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 3184 ROYAL TERN 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 $286,900, this home is listed about 1% above the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3184 ROYAL TERN DRIVE?+
Lake Alfred Polytech Academy (middle), Fred G. Garner Academy (elementary), Winter Haven Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of OPULENT REALTY INTERNATIONAL · Sara Avellaneda. MLS #L4962612.
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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