4146 SPRUCEWOOD STREET, WINTER HAVEN, FL, 33880
Active139 days on marketListed Jun 20, 2026MLS #P4939076
About this home
4146 SPRUCEWOOD STREET
You won't want to miss this opportunity. This 1344 sf home located in Oakwood Estates, a 55+ community. From the carport walk into the lanai, perfect for entertaining. From there step through the French doors into the open and inviting home with an open and updated kitchen with newer appliances including a cooktop, built in double ovens, built in microwave, and nice sized refrigerator. Past the kitchen you will see the comfortable dining area with built in cabinetry. Then follow through to the spacious living room with more built in cabinets. Returning back through the kitchen you will find the family room area which is open to the kitchen, just perfect for those family and friends get togethers. The main bathroom has been updated with a beautiful shower and updated stool. The guest bedroom is attached to this bath. At the back of the home you will find the primary bedroom complete with two built in closets and a nice sized bathroom attached. The shingled room was installed in 2025 and the air conditioner and water heater were installed in 2021. Oakwood Estates offers many amenities as well as activities. You can join in on the activities or just sit back and watch the world go by.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,344
Sqft
0.08 ac
Lot size
1982
Year built
One
Levels
$100
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.
$1,398 /mo · 3.5% down FHA, 30-yr fixed at 7.5%
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
$1,398/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
+30.1%
$/sqft vs OAKWOOD ESTATES
$100 vs $100
Days on market
139 vs 60 typical
Where $100/sqft sits among the 20 homes for sale in OAKWOOD ESTATES
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 33880 — neighborhood snapshot
Population
43,371
Median age
37
Median income
$56,390
Median home value
$228,300
Avg household
2.78
Households w/ children
5,463
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
$293K → $275K
Winter Haven median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
12 of 20
OAKWOOD ESTATES have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 36% below the WINTER HAVEN 33880 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 4146 SPRUCEWOOD STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Sep ’26$104,500
4063 ROLLING OAKS DRIVE · same community
2 bd · 2 ba · 1,320 sqft · $79/sqft · 37 DOM
Sold · Jan ’26$105,000
4452 LIMEWOOD STREET · same community
2 bd · 2 ba · 1,256 sqft · $84/sqft · 38 DOM
Sold · Mar ’26$152,900
4448 LIMEWOOD STREET · same community
2 bd · 2 ba · 1,464 sqft · $104/sqft · 116 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 4146 SPRUCEWOOD STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4146 SPRUCEWOOD STREET — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
4146 SPRUCEWOOD STREET FAQs
What would the monthly payment be for 4146 SPRUCEWOOD STREET?+
With 3.5% down on a 30-year FHA loan at 7.5%, the all-in payment lands around $1,398/mo — principal and interest, the actual property-tax bill, the $166/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 4146 SPRUCEWOOD STREET?+
The association fee works out to $166 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4146 SPRUCEWOOD STREET?+
The most recent tax bill on record (2025) was $1,024. 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 4146 SPRUCEWOOD 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 $135,000, this home is listed about 53% below the Winter Haven median of $284,500. The market section on this page shows how the area is trending.
Which schools are assigned to 4146 SPRUCEWOOD STREET?+
Denison Middle School (middle), Winter Haven Senior High School (high), John Snively Elementary (elementary) — 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 33880 market on paper
$135,000 is 36% below the WINTER HAVEN 33880 median of $210,000, and at $100/sqft it sits under the Winter Haven average of $171.
02Time on market is leverage
139 days on market against a Winter Haven median of 60 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $140,000, now $135,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · KATHY Devor. MLS #P4939076.
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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