348 TERRANOVA BOULEVARD, WINTER HAVEN, FL, 33884
Active7 days on marketListed Aug 4, 2026MLS #O6430310
About this home
348 TERRANOVA BOULEVARD
Build your dream home on this beautiful approximately ½-acre waterfront homesite at 348 Terranova Boulevard. Nestled along the peaceful shores of Crystal Lake, this spacious lot offers the perfect blend of privacy, natural beauty, and room to create the custom home you've always envisioned. Wake up to tranquil water views, enjoy breathtaking sunsets from your future backyard, and take advantage of the generous lot size with plenty of space for a pool, outdoor entertaining, and lush landscaping. Whether you're looking to build a luxurious estate or a private retreat, this property provides the ideal canvas. Opportunities to own a waterfront lot of this size are becoming increasingly rare. Bring your own builder and design a home tailored to your lifestyle while enjoying the serenity and beauty that Crystal Lake has to offer. Don't miss this chance to turn your dream home into reality on one of the area's most desirable waterfront homesites.
Facts & features
The home at a glance
0.53 ac
Lot size
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.
$1,400 /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
$1,400/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.
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 →
WINTER HAVEN 33884 — neighborhood snapshot
Population
36,395
Median age
45.3
Median income
$70,516
Median home value
$269,400
Avg household
2.58
Households w/ children
3,777
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)
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 42% below the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 348 TERRANOVA BOULEVARD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$280,000
222 TERRANOVA BOULEVARD · same community
4 bd · 3 ba · 2,089 sqft · $134/sqft · 7 DOM
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
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 348 TERRANOVA BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 348 TERRANOVA BOULEVARD — 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
348 TERRANOVA BOULEVARD FAQs
What would the monthly payment be for 348 TERRANOVA BOULEVARD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,400/mo — principal and interest, the actual property-tax bill, the $55/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 348 TERRANOVA BOULEVARD?+
The association fee works out to $55 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 348 TERRANOVA BOULEVARD?+
The most recent tax bill on record (2025) was $1,683. 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 348 TERRANOVA BOULEVARD?+
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 $165,000, this home is listed about 42% below the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 348 TERRANOVA BOULEVARD?+
Elbert Elementary School (elementary), Winter Haven Senior High School (high), Denison Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the WINTER HAVEN 33884 market on paper
$165,000 is 42% below the WINTER HAVEN 33884 median of $284,315.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Only 7 days on market in a Winter Haven market that averages 49 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of ZIRO REALTY · Rick Winner. MLS #O6430310.
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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