4043 BEDFORD AVENUE, WINTER HAVEN, FL, 33884
Active2 days on marketListed Oct 16, 2026MLS #L4965727
About this home
4043 BEDFORD AVENUE
UPGRADED HOME IN THE GATED RESORT-STYLE COMMUNITY OF TRADITIONS: Meticulously maintained and thoughtfully upgraded 2 bedroom, 2 bath home with a versatile den that can easily serve as a 3rd bedroom, located in the desirable Traditions at Lake Ruby community. Enjoy comfortable living and an active lifestyle in this gated 55+ community in Winter Haven. This beautifully maintained home features extensive improvements, generous outdoor living space and transferable home warranty until April of 2030. The open floor plan brings the great room and kitchen together for easy everyday living and entertaining. New laminate flooring adds warmth, while the kitchen features quartz countertops, an island with seating and pendant lighting, stainless steel appliances including a double oven with air-frying and microwave capabilities and a closet pantry. An adjoining dinette provides a casual dining spot, while the formal dining room offers an inviting setting for intimate dinners and holiday gatherings. The spacious primary suite features a tray ceiling, a walk-in closet with custom built-ins and an ensuite bath with a quartz countertop, dual sinks, a handicap accessible walk-in shower and a private water closet. The comfortably sized secondary bedroom is conveniently situated near the guest bathroom, which features a new walk-in shower. An interior laundry room with storage cabinets adds everyday convenience. Three sets of sliding doors create a natural connection to the expansive covered and screened lanai. Finished with paver flooring, this generous outdoor space offers room for relaxing, dining and hosting larger gatherings. A separate paver patio just outside the enclosure provides a convenient grilling area, while refreshed tropical landscaping enhances the setting. Enjoy added peace of mind in Florida with a new roof installed in 2024 and a 2024 Generac 24kW whole-house generator with a transferable warranty and powered by a 500-gallon buried propane tank capable of providing up to three weeks of backup power eliminating much of the stress and uncertainty associated with unexpected power outages, whether short-term or extended. Additional significant improvements made in 2023/2024 include new interior and exterior paint, new laminate flooring and a Puragain water purification system with reverse osmosis in the kitchen. The two-car garage features screen doors, epoxy flooring, a 240-volt connection for electric vehicle charging and attic stairs. Additional features include surround sound, an ADT security system, an irrigation system with a separate irrigation meter, rain gutters, a paver driveway and walkway and more. The monthly maintenance fee of $485 includes lawn care, bush and hedge trimming, exterior home painting, cable TV, internet, trash removal and access to the clubhouse and community amenities. Just a short walk from the home, the lakefront clubhouse offers a heated pool and spa, fitness center, ballroom, library, dance studio, arts and crafts studio and a computer room. Outdoor amenities include shuffleboard, basketball, tennis and bocce ball, along with a community boat ramp, dock and dog park. A new Publix located just outside the community gate makes everyday errands especially convenient, with dining and medical facilities only minutes away. Centrally located between Tampa and Orlando, this thoughtfully improved home offers an inviting opportunity to enjoy the maintenance-free lifestyle of Traditions at Lake Ruby.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,871
Sqft
0.16 ac
Lot size
2
Garage
2015
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.
$2,923 /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
$3,253/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; 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
−1.4%
$/sqft vs Winter Haven actives
$192 vs $170
Days on market
2 vs 74 typical
Where $192/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 Traditions
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
Traditions — neighborhood snapshot
Population
1,772
Median age
50
Median income
$59,654
Median home value
$272,712
Avg household
3
Households w/ children
170
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)
214 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 29% above the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 4043 BEDFORD AVENUE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$285,000
4009 BEDFORD AVENUE · same community
3 bd · 2 ba · 1,871 sqft · $152/sqft · 126 DOM
Sold · Dec ’25$345,000
4051 BEDFORD AVENUE · same community
2 bd · 2 ba · 1,868 sqft · $185/sqft · 33 DOM
Sold · Feb ’26$275,000
3565 RALEIGH DRIVE · same community
3 bd · 2 ba · 1,866 sqft · $147/sqft · 271 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
Gianfranco Di Flumeri
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 4043 BEDFORD AVENUE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4043 BEDFORD AVENUE — before you fall in love.
See it in person
Schedule a tour
Live availability from Gianfranco's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4043 BEDFORD AVENUE FAQs
What would the monthly payment be for 4043 BEDFORD AVENUE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,923/mo — principal and interest, estimated property taxes, the $485/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 4043 BEDFORD AVENUE?+
The association fee works out to $485 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4043 BEDFORD AVENUE?+
The most recent tax bill on record (2026) was $0. 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 4043 BEDFORD AVENUE?+
The listing reports pets: Cats OK, Dogs OK, Number Limit, 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 $359,900, this home is listed about 25% above the Winter Haven median of $286,945. The market section on this page shows how the area is trending.
Which schools are assigned to 4043 BEDFORD AVENUE?+
Chain Of Lakes Elementary School (elementary), Lake Region 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 THE STONES REAL ESTATE FIRM · Deanna Stone. MLS #L4965727.
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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