3715 AVENUE J NW, WINTER HAVEN, FL, 33881
Active322 days on marketListed Sep 24, 2025MLS #O6346989
About this home
3715 AVENUE J NW
Welcome to this charming 3-bedroom, 1.5-bath home nestled in the heart of Winter Haven! Built in 1995, this well-maintained property offers a cozy yet efficient layout that's perfect for first-time buyers, downsizers, or investors. With 892 sq ft of living space, it sits on a spacious lot with room for outdoor living, gardening, or future expansion. Step inside to find a bright, open living area that flows into the Kitchen and dining space. The home features updated systems, including newer HVAC, making it move-in ready. Both bedrooms provide comfortable space and natural light, while the bathroom is designed for functionality. Outside, enjoy a generous backyard with endless potential-whether you envision a patio, play area, or simply a private retreat. The property also offers ample parking and sits on a quiet street, providing a balance of privacy and convenience.
Facts & features
The home at a glance
3
Bedrooms
1.5
Bathrooms
892
Sqft
0.15 ac
Lot size
1995
Year built
One
Levels
$243
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 — not generic estimates.
$1,592 /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
$1,592/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
+13%
$/sqft vs Winter Haven actives
$243 vs $169
Days on market
322 vs 49 typical
Where $243/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)
204 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 24% below the Winter Haven median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 3715 AVENUE J NW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$35,000
1299 38TH STREET NW · same community
3 bd · 2 ba · 1,100 sqft · $32/sqft · 62 DOM
Sold · Oct ’25$220,000
1294 1/2 38TH STREET NW · same community
5 bd · 3 ba · 2,187 sqft · $101/sqft · 97 DOM
Sold · Feb ’26$127,000
505 GLAD ROAD
3 bd · 2 ba · 864 sqft · $147/sqft · 21 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
Angela Rodriguez
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3715 AVENUE J NW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3715 AVENUE J NW — before you fall in love.
See it in person
Schedule a tour
Live availability from Angela's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3715 AVENUE J NW FAQs
What would the monthly payment be for 3715 AVENUE J NW?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,592/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 3715 AVENUE J NW?+
The most recent tax bill on record (2024) was $699. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Winter Haven?+
At $217,000, this home is listed about 24% below the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY PRESTIGE · Julie Berrouet. MLS #O6346989.
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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