3785 GIORGIO DRIVE, WINTER HAVEN, FL, 33884
Active3 days on marketListed Sep 17, 2026MLS #O6442966
About this home
3785 GIORGIO DRIVE
Welcome to this like-new, four-bedroom home in the desirable Villamar community! Built in 2024 and offering nearly 2,000 square feet of beautifully designed living space, this inviting home combines modern comfort, thoughtful design, and effortless Florida living. Step inside to discover a light-filled, open-concept floor plan where the kitchen, dining area, and great room flow seamlessly together—perfect for both relaxed everyday living and memorable gatherings. The heart of the home is the spacious kitchen, featuring stone countertops, a large center island with breakfast bar, stainless steel appliances, and a generous walk-in pantry. The desirable split-bedroom layout provides added privacy, while the spacious primary suite offers a walk-in closet and a private bath with dual sinks. Ceramic tile enhances the main living areas, with soft carpeting adding comfort to the bedrooms. Sliding glass doors open to the patio and backyard, creating a wonderful space to enjoy morning coffee, outdoor dining, or Florida’s year-round sunshine. Additional highlights include energy-efficient appliances, windows, insulation, HVAC, lighting, low-flow fixtures, an irrigation system, and an attached two-car garage. Villamar residents enjoy access to a community pool, playground, park, sidewalks, and recreational facilities. With four bedrooms, nearly 2,000 square feet, and the peace of mind that comes with a home that is only two years young, this is a truly special opportunity to settle into a beautiful home and begin making memories of your own.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,978
Sqft
0.13 ac
Lot size
2
Garage
2024
Year built
One
Levels
$148
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.
$2,598 /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
$2,598/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
−1.5%
$/sqft vs VILLAMAR
$148 vs $174
Days on market
3 vs 48 typical
Where $148/sqft sits among the 16 homes for sale in VILLAMAR
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 →
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)
11 of 16
VILLAMAR have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 5% 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 3785 GIORGIO DRIVE
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$275,000
3857 GIORGIO DRIVE · same community
4 bd · 3 ba · 1,988 sqft · $138/sqft · 203 DOM
Sold · May ’26$316,900
4494 RAPALLO AVENUE · same community
4 bd · 2 ba · 2,005 sqft · $158/sqft · 17 DOM
Sold · Dec ’25$354,335
3178 LAUREL OAK LANE · same community
4 bd · 2 ba · 2,005 sqft · $177/sqft · 0 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
Anealya Hammad
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3785 GIORGIO DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3785 GIORGIO DRIVE — before you fall in love.
See it in person
Schedule a tour
Live availability from Anealya's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
3785 GIORGIO DRIVE FAQs
What would the monthly payment be for 3785 GIORGIO DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,598/mo — principal and interest, the actual property-tax bill, the $17/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 3785 GIORGIO DRIVE?+
The association fee works out to $17 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3785 GIORGIO DRIVE?+
The most recent tax bill on record (2025) was $6,803. 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 3785 GIORGIO DRIVE?+
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 $293,000, this home is listed about 3% 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 3785 GIORGIO DRIVE?+
Chain Of Lakes Elementary School (elementary), Lake Region High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of YOUR HOME SOLD GUARANTEED REALTY · Laura Petersen. MLS #O6442966.
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.
Never miss a listing
New Winter Haven homes, in your inbox
Like 3785 GIORGIO DRIVE but not quite? A daily digest of every new listing in Winter Haven — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Anealya to ping you on any price or status change →