205 THOMAS COURT, WINTER HAVEN, FL, 33880
Active3 days on marketListed Aug 11, 2026MLS #L4963995
About this home
205 THOMAS COURT
**Listed $5,000 below Appraisal Value** Welcome to this spacious 3-bedroom, 2.5-bath home offering 2,352 square feet of living space on a generous .33-acre lot tucked away on a quiet cul-de-sac. Designed for both comfortable everyday living and entertaining, this home offers plenty of space inside and out. One of the standout features is the massive bonus room with its own private entrance and an impressive feature wall complete with a waterfall—perfect for a game room, home office, media room, entertaining space, or whatever fits your lifestyle. The kitchen features solid wood cabinetry, granite countertops and plenty of workspace, while the separate dining room provides the perfect setting for meals and gatherings. A large living room, tray ceilings and tile flooring throughout add to the home's spacious feel. The primary suite includes a cedar-lined walk-in closet and an ensuite bath with a walk-in shower. Two additional bedrooms and 1.5 additional baths provide plenty of room for family and guests. Step outside and you'll quickly see why the backyard may become your favorite part of the home! Enjoy the recently resurfaced saltwater pool, expansive lanai and covered 14' x 14' pavilion—ideal for grilling, entertaining or simply relaxing by the pool. Paved walkways and decking surround the property, creating multiple outdoor spaces to enjoy. With over a third of an acre, a cul-de-sac location, a saltwater pool, incredible bonus room and more than 2,350 square feet of living space, this home offers a combination of space, character and indoor/outdoor living that's ready for its next owner.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,352
Sqft
0.33 ac
Lot size
2
Garage
2001
Year built
One
Levels
$191
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.
$3,226 /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
$3,226/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.
$/sqft vs Winter Haven actives
$191 vs $170
Days on market
3 vs 50 typical
Where $191/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 →
The numbers that matter
The Winter Haven market
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
210 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 58% above the Winter Haven median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 205 THOMAS COURT
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$820,000
3049 CRYSTAL BEACH ROAD
4 bd · 3 ba · 2,567 sqft · $319/sqft · 3 DOM
Sold · Apr ’26$285,000
3923 WARBLER DRIVE
4 bd · 3 ba · 2,101 sqft · $136/sqft · 74 DOM
Sold · Feb ’26$180,000
3905 WARBLER DRIVE
4 bd · 3 ba · 2,101 sqft · $86/sqft · 2 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
Chad Creech
President, Commercial and Development Services · CENTURY 21 Edge
Tours, negotiation, and every question about 205 THOMAS COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 205 THOMAS COURT — before you fall in love.
See it in person
Schedule a tour
Live availability from Chad's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
205 THOMAS COURT FAQs
What would the monthly payment be for 205 THOMAS COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,226/mo — principal and interest, the actual property-tax bill, the $11/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 205 THOMAS COURT?+
The association fee works out to $11 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 205 THOMAS COURT?+
The most recent tax bill on record (2025) was $2,477. 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 205 THOMAS COURT?+
The listing reports pets: Cats OK, Dogs OK. 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 $450,000, this home is listed about 58% above the Winter Haven median of $284,995. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$450,000 runs 58% above the Winter Haven median — but at 2,352 sqft it's also 41% larger than the typical Winter Haven listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 3 days on market in a Winter Haven market that averages 50 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of REGAL REAL ESTATE LLC · Stephanie Mayo. MLS #L4963995.
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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