4434 WINDING OAKS CIRCLE, MULBERRY, FL, 33860
Active2 days on marketListed Oct 16, 2026MLS #L4965800
About this home
4434 WINDING OAKS CIRCLE
Welcome to 4434 Winding Oaks Circle, where thoughtful details, spacious living, and the convenience of a gated community come together in the desirable Reserve at Fairway Oaks neighborhood of Mulberry. Offering 3 bedrooms, 2 bathrooms, and approximately 1,950 square feet of living space, this inviting single-story residence combines comfort, functionality, and everyday convenience. From the moment you arrive, you'll appreciate the welcoming curb appeal and the charm of this established gated neighborhood. Step inside to discover a spacious and thoughtfully designed interior featuring beautiful plantation shutters on all the windows, adding timeless elegance, privacy, and natural light control throughout the home. LED lighting throughout provides energy-efficient illumination, while the generous living spaces offer a comfortable setting for both relaxing evenings and entertaining guests. The thoughtfully arranged floor plan allows everyday living to flow effortlessly from one space to the next. At the heart of the home, the kitchen combines style and functionality with beautiful granite countertops, abundant cabinetry, and an eye-catching decorative stone accent beneath the breakfast counter, adding warmth, texture, and character to the space. The kitchen offers a welcoming place to prepare meals, gather with friends, or enjoy casual dining. The thoughtfully designed floor plan features a spacious primary suite offering a comfortable place to unwind, while two additional bedrooms provide flexibility for guests, a home office, or hobbies. The additional full bathroom offers convenience for both residents and visitors. The attached garage provides additional storage and everyday functionality, featuring an attractive decorative flake-coated floor that creates a clean, polished appearance, along with EV charging capability for electric vehicle owners. An additional practical feature is the home's generator hookup, providing the convenience of connecting a compatible generator when needed. Beyond the home itself, the Reserve at Fairway Oaks offers the comfort and convenience of gated community living, with HOA fees that include cable, internet, lawn care, and gated community access. These included services help simplify everyday living, allowing you to spend less time on routine maintenance and more time enjoying everything Central Florida has to offer. Conveniently located near shopping, dining, grocery stores, and everyday essentials, this property provides easy access to Lakeland, Mulberry, and surrounding areas. From the beautiful plantation shutters, energy-efficient LED lighting, and distinctive kitchen finishes to the upgraded garage flooring, EV charging capability, generator hookup, and valuable HOA inclusions, 4434 Winding Oaks Circle offers a wonderful combination of style, comfort, and convenience. Schedule your private showing today and discover everything this inviting home has to offer!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,950
Sqft
0.14 ac
Lot size
2009
Year built
One
Levels
$185
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.
$2,873 /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
$2,873/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
+18%
$/sqft vs Mulberry actives
$185 vs $182
Days on market
2 vs 58 typical
Where $185/sqft sits among the 93 Mulberry 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 Imperial Lakes
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Mulberry. See the full Mulberry guide →
Imperial Lakes — neighborhood snapshot
Population
5,339
Median age
39
Median income
$78,610
Median home value
$285,515
Avg household
3
Households w/ children
616
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Mulberry market
$300K → $307K
Mulberry median sold, yr/yr
97.4%
Sale-to-list ratio (12 mo)
48 of 93
Mulberry actives have cut their price
Median sold price, Mulberry, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 32% above the MULBERRY 33860 median. See the full Mulberry market guide →
Paper trail
This home's history
Reality check
What actually sold near 4434 WINDING OAKS CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$424,900
4453 FAIRWAY OAKS DRIVE · same community
3 bd · 3.5 ba · 2,172 sqft · $196/sqft · 11 DOM
Sold · Aug ’26$399,000
4490 FAIRWAY OAKS DRIVE · same community
3 bd · 2 ba · 1,650 sqft · $242/sqft · 18 DOM
Sold · Jul ’26$274,900
4456 WINDING OAKS CIRCLE · same community
3 bd · 2 ba · 1,650 sqft · $167/sqft · 43 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
Nicholas Giaccone
Director of Agent Success · CENTURY 21 Edge
Tours, negotiation, and every question about 4434 WINDING OAKS CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4434 WINDING OAKS CIRCLE — before you fall in love.
See it in person
Schedule a tour
Live availability from Nicholas's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4434 WINDING OAKS CIRCLE FAQs
What would the monthly payment be for 4434 WINDING OAKS CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,873/mo — principal and interest, the actual property-tax bill, the $223/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 4434 WINDING OAKS CIRCLE?+
The association fee works out to $223 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4434 WINDING OAKS CIRCLE?+
The most recent tax bill on record (2025) was $2,533. 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 4434 WINDING OAKS CIRCLE?+
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 Mulberry?+
At $360,000, this home is listed about 16% above the Mulberry median of $310,000. The market section on this page shows how the area is trending.
Which schools are assigned to 4434 WINDING OAKS CIRCLE?+
James W. Sikes Elementary School (elementary), Mulberry Senior High School (high), Mulberry 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 BHHS FLORIDA PROPERTIES GROUP · Tiffany Steck. MLS #L4965800.
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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