2048 WINDING RIVER COVE, BARTOW, FL, 33830
Active8 days on marketListed Aug 26, 2026MLS #L4964583
About this home
2048 WINDING RIVER COVE
Welcome home to this beautiful newer construction home offering 4 bedrooms, 2 bathrooms, plus a versatile den/flex space on a larger corner lot in a charming Bartow community! Built just three years ago, this home offers modern features, an open layout, and plenty of space to spread out. Step inside to an open and bright floor plan filled with tons of natural sunlight. The split-bedroom layout provides added privacy and creates a comfortable flow throughout the home. Tile flooring runs throughout the main living areas, with carpet in the bedrooms. The spacious kitchen is the heart of the home, featuring ample cabinet and counter space, a large breakfast bar, and a separate dining area just off the kitchen. The adjoining den/flex space offers endless possibilities and can be used as a home office, playroom, media room, or additional living space. French doors lead from the living area to the covered lanai, creating an easy transition to the backyard and making this space perfect for grilling, relaxing, and entertaining family and friends. The primary suite offers a peaceful retreat with a walk-in closet and an upgraded ensuite bathroom featuring a garden tub and separate step-in shower. An indoor laundry room adds everyday convenience. Outside, enjoy the benefits of a larger corner lot with a fully fenced yard. The fence includes a double gate for easy access, making it ideal for storing a boat, trailer, camper, lawn equipment, or other outdoor toys. Located in a small, welcoming community featuring a playground, this home offers the perfect blend of newer construction, functional living space, privacy, and outdoor enjoyment. Come see why this one deserves to be at the top of your list! All information and property details are deemed reliable but not guaranteed and Buyer/Buyer's Agent is responsible for their own due diligence including but not limited to verifying HOA, Community Info, Rules, Leasing Requirements, Sqft, Lot Size, Room Dimensions, and Taxes.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,878
Sqft
0.3 ac
Lot size
2
Garage
2023
Year built
One
Levels
$192
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.
$2,941 /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
$2,941/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
+0.9%
$/sqft vs Bartow actives
$192 vs $181
Days on market
8 vs 36 typical
Where $192/sqft sits among the 141 Bartow 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 Bartow
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Bartow. See the full Bartow guide →
BARTOW 33830 — neighborhood snapshot
Population
32,738
Median age
36.2
Median income
$62,636
Median home value
$207,900
Avg household
2.91
Households w/ children
3,768
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Bartow market
$303K → $327K
Bartow median sold, yr/yr
98.0%
Sale-to-list ratio (12 mo)
70 of 141
Bartow actives have cut their price
Median sold price, Bartow, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 20% above the BARTOW 33830 median. See the full Bartow market guide →
Paper trail
This home's history
Reality check
What actually sold near 2048 WINDING RIVER COVE
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$345,000
2146 HADLEY ROAD · same community
4 bd · 2 ba · 1,878 sqft · $184/sqft · 43 DOM
Sold · Nov ’25$304,900
2118 HADLEY ROAD · same community
3 bd · 2 ba · 1,603 sqft · $190/sqft · 210 DOM
Sold · Sep ’25$320,000
1206 NAVEL ROAD
4 bd · 3 ba · 1,865 sqft · $172/sqft · 133 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
Tommy Trainer
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2048 WINDING RIVER COVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2048 WINDING RIVER COVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Tommy's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
2048 WINDING RIVER COVE FAQs
What would the monthly payment be for 2048 WINDING RIVER COVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,941/mo — principal and interest, the actual property-tax bill, the $58/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 2048 WINDING RIVER COVE?+
The association fee works out to $58 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 2048 WINDING RIVER COVE?+
The most recent tax bill on record (2025) was $5,338. 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 2048 WINDING RIVER COVE?+
The listing reports pets: No. 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 Bartow?+
At $359,900, this home is listed about 11% above the Bartow median of $325,000. The market section on this page shows how the area is trending.
Which schools are assigned to 2048 WINDING RIVER COVE?+
Spessard L Holland Elementary (elementary), Bartow Senior High School (high), Bartow Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS REALTY · Ashli Smith. MLS #L4964583.
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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