496 TERRANOVA STREET, WINTER HAVEN, FL, 33884
Active148 days on marketListed Mar 16, 2026MLS #O6380041
About this home
496 TERRANOVA STREET
ROOF 2022! Enjoy the HEATED SALTWATER POOL all year in your backyard Oasis. LARGE CORNER LOT (.28 acre). SINGLE STORY HOME. Terranova is a GATED COMMUNITY nestled among the Winter Haven Chain of Lakes. LOW HOA. NO CDD. Screened in patio is great for enjoying the beautiful Florida weather. Fully fenced yard with double door gate so you can pull a small boat inside! SPLIT FLOOR PLAN features the primary bedroom and bathroom on one side of the home and three additional bedrooms and a full bath on the other. High ceilings. BRAND NEW PUBLIX GROCERY STORE less than five minutes away! Walking trail within the community to Chain of Lakes Elementary School. The pool has a child safety fence that can be put up if desired - not photographed. Call to schedule your private showing today.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
2,357
Sqft
0.28 ac
Lot size
2
Garage
2004
Year built
One
Levels
$182
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.
$3,438 /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
$3,438/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
−6.6%
$/sqft vs Winter Haven actives
$182 vs $170
Days on market
148 vs 49 typical
Where $182/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 Terranova
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
Terranova — neighborhood snapshot
Population
852
Median age
43
Median income
$61,566
Median home value
$282,100
Avg household
3
Households w/ children
113
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 → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
199 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 51% 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 496 TERRANOVA STREET
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$425,000
232 TERRANOVA BOULEVARD · same community
4 bd · 2 ba · 2,327 sqft · $183/sqft · 2 DOM
Sold · Sep ’25$458,000
212 TERRANOVA BOULEVARD · same community
4 bd · 3 ba · 2,433 sqft · $188/sqft · 114 DOM
Sold · Jun ’26$280,000
222 TERRANOVA BOULEVARD · same community
4 bd · 3 ba · 2,089 sqft · $134/sqft · 7 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
Alek Cherrone
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 496 TERRANOVA STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 496 TERRANOVA STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Alek's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
496 TERRANOVA STREET FAQs
What would the monthly payment be for 496 TERRANOVA STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,438/mo — principal and interest, the actual property-tax bill, the $56/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 496 TERRANOVA STREET?+
The association fee works out to $56 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 496 TERRANOVA STREET?+
The most recent tax bill on record (2025) was $6,005. 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 496 TERRANOVA STREET?+
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 Winter Haven?+
At $430,000, this home is listed about 51% above the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 496 TERRANOVA STREET?+
Chain Of Lakes Elementary School (elementary), Lake Region High School (high), Denison Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$430,000 runs 51% above the WINTER HAVEN 33884 median — but at 2,357 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.
03Time on market is leverage
148 days on market against a Winter Haven median of 49 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $460,000, now $430,000 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of REAL BROKER, LLC · Ken Pozek. MLS #O6380041.
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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