2095 W HARTRIDGE TERRACE, WINTER HAVEN, FL, 33881
Active50 days on marketListed Jun 22, 2026MLS #P4939103
About this home
2095 W HARTRIDGE TERRACE
Seller is offering $5,000 towards buyers closing costs! Welcome home to this charming pool home nestled in the heart of Winter Haven! Offering plenty of space for everyone, this home features a versatile bonus room perfect for a home office, playroom, media room, or additional living space to fit your needs. Step outside and dive into your own private in-ground pool, the perfect place to cool off and beat the Florida heat while entertaining family and friends. Conveniently located just minutes from shopping, dining, medical facilities, schools, and everything Winter Haven has to offer, you'll love the combination of comfort and convenience this property provides. Whether you're relaxing poolside, enjoying the flexible interior spaces, or taking advantage of the nearby amenities, this home offers the Florida lifestyle you've been looking for. Don't miss your opportunity to make this beautiful property your own—schedule your private showing today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,816
Sqft
0.2 ac
Lot size
1964
Year built
One
Levels
$165
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 — not generic estimates.
$2,281 /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
$2,281/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
−13.6%
$/sqft vs NOT IN SUBDIVISION
$165 vs $256
Days on market
50 vs 49 typical
Where $165/sqft sits among the 127 homes for sale in NOT IN SUBDIVISION
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 33881 — neighborhood snapshot
Population
39,189
Median age
43.6
Median income
$53,867
Median home value
$177,400
Avg household
2.61
Households w/ children
3,730
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)
60 of 127
NOT IN SUBDIVISION have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 22% above the WINTER HAVEN 33881 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 2095 W HARTRIDGE TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$394,000
15140 COMMONWEALTH AVENUE N · same community
4 bd · 2 ba · 1,813 sqft · $217/sqft · 9 DOM
Sold · May ’26$565,000
1270 SW 14TH STREET · same community
3 bd · 2 ba · 1,784 sqft · $317/sqft · 67 DOM
Sold · Apr ’26$250,000
19750 SE 30TH STREET · same community
3 bd · 2 ba · 1,950 sqft · $128/sqft · 48 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 2095 W HARTRIDGE TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2095 W HARTRIDGE TERRACE — 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
2095 W HARTRIDGE TERRACE FAQs
What would the monthly payment be for 2095 W HARTRIDGE TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,281/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 2095 W HARTRIDGE TERRACE?+
The most recent tax bill on record (2025) was $2,677. 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 2095 W HARTRIDGE TERRACE?+
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 $299,900, this home is listed about 5% 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 2095 W HARTRIDGE TERRACE?+
Lake Alfred Polytech Academy (middle), Fred G. Garner Academy (elementary), Winter Haven Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Positioned at the premium end
$299,900 runs 22% above the WINTER HAVEN 33881 median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03The price has already moved
Listed at $305,000, now $299,900 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of NONA LEGACY POWERED BY LA ROSA · Sara Jones. MLS #P4939103.
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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