102 TERRACE RIDGE CIRCLE UNIT 102, DAVENPORT, FL, 33896
Active11 days on marketListed Sep 10, 2026MLS #O6440626
About this home
102 TERRACE RIDGE CIRCLE UNIT 102
FULLY FURNISHED, TURNKEY & SHORT-TERM RENTAL READY! Whether you're looking for a primary residence, Florida vacation home, or an income-producing property for Airbnb or Vrbo, this beautifully maintained 3-bedroom, 2-bath condo offers flexibility from day one. Located on the MAIN FLOOR with NO STAIRS OR ELEVATORS, the unit provides easy access for owners and vacation guests alike—especially convenient when bringing in groceries, luggage, or for anyone with mobility concerns. Inside, you'll find an exceptionally clean, non-smoking, pet-free home featuring an OPEN-CONCEPT kitchen and living area, quality laminate and tile flooring throughout, and plenty of storage. The desirable SPLIT-BEDROOM FLOOR PLAN provides privacy, with the primary suite, ensuite bath, and walk-in closet at one end and two additional bedrooms with a spacious shared bath at the other. A built-in desk offers a dedicated work-from-home space, and the separate in-unit laundry room includes the washer and dryer. Step outside to the SCREENED LANAI and enjoy convenient direct access outdoors. Offered FULLY FURNISHED and truly TURNKEY, the condo includes quality furniture, a fully equipped kitchen with dishes, glassware and small appliances, plus linens, towels and more. Move right in, enjoy it as your Florida getaway, or prepare it for short-term rental guests without the expense and hassle of furnishing from scratch. The buildings roof was replaced in 2025. HOA fees include water, cable, high-speed internet, select streaming services, valet trash pickup and property maintenance, along with access to a heated community pool, jacuzzi, volleyball court, game room, fitness center and clubhouse. The CENTRAL FLORIDA LOCATION puts you close to golf, shopping, restaurants, theme parks and I-4. Orlando International Airport is approximately 35 minutes away, the Space Coast beaches about 1 hour 15 minutes, and Gulf Coast beaches approximately 1 hour 30 minutes away. PRIMARY HOME, VACATION GETAWAY OR SHORT-TERM RENTAL INVESTMENT—this one is ready to go. Just bring your suitcase!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,542
Sqft
0.02 ac
Lot size
2005
Year built
One
Levels
$146
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.
$2,511 /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
$2,511/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
−22.2%
$/sqft vs TERRACE RIDGE AT TOWN CENTER EAST CONDO
$146 vs $150
Days on market
11 vs 54 typical
Where $146/sqft sits among the 8 homes for sale in TERRACE RIDGE AT TOWN CENTER EAST CONDO
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.
The investor lens
Two ways this home pays
This home sits inside Town Center, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,250/mo median
Live Davenport rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Town Center
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Town Center is a short-term-rental community. See the full guide →
Town Center — neighborhood snapshot
Population
3,255
Median age
32
Median income
$63,333
Median home value
$281,800
Avg household
3
Households w/ children
290
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Davenport market
$350K → $366K
Davenport median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
4 of 8
TERRACE RIDGE AT TOWN CENTER EAST CONDO have cut their price
Median sold price, Davenport, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 39% below the DAVENPORT 33896 median. See the full Davenport market guide →
Paper trail
This home's history
Reality check
What actually sold near 102 TERRACE RIDGE CIRCLE UNIT 102
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$200,000
724 TERRACE RIDGE CIRCLE UNIT 724 · same community
3 bd · 2 ba · 1,542 sqft · $130/sqft · 261 DOM
Sold · Mar ’26$220,000
617 TERRACE RIDGE CIRCLE UNIT 617 · same community
3 bd · 2 ba · 1,542 sqft · $143/sqft · 141 DOM
Sold · Dec ’25$185,000
205 TERRACE RIDGE CIRCLE UNIT 205 · same community
4 bd · 2 ba · 1,688 sqft · $110/sqft · 295 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
Kemarie Johnson
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 102 TERRACE RIDGE CIRCLE UNIT 102 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 102 TERRACE RIDGE CIRCLE UNIT 102 — before you fall in love.
See it in person
Schedule a tour
Live availability from Kemarie's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
102 TERRACE RIDGE CIRCLE UNIT 102 FAQs
What would the monthly payment be for 102 TERRACE RIDGE CIRCLE UNIT 102?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,511/mo — principal and interest, the actual property-tax bill, the $693/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 102 TERRACE RIDGE CIRCLE UNIT 102?+
The association fee works out to $693 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 102 TERRACE RIDGE CIRCLE UNIT 102?+
The most recent tax bill on record (2025) was $2,804. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 102 TERRACE RIDGE CIRCLE UNIT 102 be rented short-term?+
Yes — this home sits inside Town Center, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 102 TERRACE RIDGE CIRCLE UNIT 102?+
The listing reports pets: Cats OK, Dogs OK. 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 Davenport?+
At $225,000, this home is listed about 42% below the Davenport median of $389,900. The market section on this page shows how the area is trending.
Which schools are assigned to 102 TERRACE RIDGE CIRCLE UNIT 102?+
Loughman Oaks Elementary School (elementary), Ridge Community High School (high), Shelley S. Boone 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
01Under the DAVENPORT 33896 market on paper
$225,000 is 39% below the DAVENPORT 33896 median of $369,900, and at $146/sqft it sits under the Davenport average of $195.
02Zoned for nightly rentals
Town Center is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Move-in furnished
The furniture conveys — a genuine head start for a second home or rental, and one less five-figure line item after closing.
04Know the monthly fee
The association fee is $693/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
Keep looking
Similar homes nearby
Listing courtesy of IN TOUCH REAL ESTATE LLC · D'Anne KinCannon. MLS #O6440626.
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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