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0 38th St NW, Winter Haven, FL, 33881

$265/sqft·38th Street

3 bd2 ba1,322 sqft2 car garageSingle Family
Listed by MIHARA & ASSOCIATES INC.· Last updated · MLS# TB8520450

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Est. monthly payment
$2,030/mo
Down payment (20%)
$70,000
Property taxes
$30/mo
Rate assumed
6.8% · 30 yr
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At a glance

Single family
Built 2026
2 car garage
Driveway
7,388 sqft lot
Lot size
1,322 sqft
Living area
Brand new
Built 2026

New construction · 2026

Different rules apply when you buy new

Build snapshot

Build year
2026
Builder
Ask the team — not on MLS
Community
38TH STREET SUBDIVISION
Type
Single Family Residence

True monthly carry

HOA
None / TBD
CDD bond
No CDD disclosed
Builder incentives
Ask — change weekly

What we'll do for you on a new build

Builder contract redlines

Builder contracts favor the builder. We mark up the clauses you should push back on before you sign.

11-month inspection

Your 1-year warranty expires quietly. We book an independent inspection at month 11 — saves $5K+ on average in caught defects.

Verified incentives

We verify the current builder incentives every time we walk a community. Rate buy-downs, design-center credits, closing costs — all itemized.

About this home

Ceiling Fans(s)LightingPrivate MailboxDishwasherMicrowaveRefrigerator

0 38th St NW is a 2026-built home in 38th Street Subdivision, Winter Haven. Inside you'll find 3 bedrooms, 2 bathrooms, and 1,322 square feet of living space. Listed at $350,000 (about $265/sqft), 55 days on market. Flood zone AE - confirm flood insurance requirements with your lender.

From the listing

Pre-Construction. To be built. Lot 4 - Crown Model - Build the home you've always envisioned in beautiful Winter Haven! This to-be-built new construction home offers a unique opportunity to personalize your future residence from the very beginning. Buyers will have the ability to select interior and exterior color schemes and finishes, creating a home that truly reflects their individual style and preferences. Designed with modern living in mind, this home will feature a thoughtfully planned layout, quality craftsmanship, energy-efficient construction, and all the benefits that come with owning a brand-new home. Conveniently located near Winter Haven's shopping, dining, schools, parks, and the area's renowned chain of lakes, you'll enjoy both everyday convenience and the charm of one of Central Florida's fastest-growing communities. FHA construction loans are accepted, making homeownership more attainable for buyers looking to build instead of buy resale. Secure your homesite now and take advantage of the opportunity to customize your new home before construction is complete. Photos are for demonstration purposes only and may include finishes, colors, and upgrades that vary from the final product. Contact us today for available plans, timelines, and customization options.

The essentials

Built
2026
Price / sqft
$265
On market
89 days
Annual tax
$356
Flood zone
AE
Lot
7,388 sqft
Type
Single Family Residence

Location

0 38th St NW
Winter Haven, FL, 33881·33881 - Winter Haven / Florence Villa
Type
Single Family Residence
Year Built
2026
Lot
7,388 sqft
Cooling
Central Air
Heating
Central
Parking
Driveway
Days on Market
89
Ceiling Fans(s)
Lighting
Private Mailbox
Dishwasher
Microwave
Refrigerator
Flood Zone AE

Annual Tax (2025)

$356

Parcel #

25-28-24-353604-000040

Taxes reflect the most recent assessment in the MLS feed. Actual tax owed can vary, so confirm with the county property appraiser before closing.

Subdivision

38th Street Subdivision

County

Polk

MLS Area

33881 - Winter Haven / Florence Villa

Lot Size

7,388 sqft

Date
Event
Price
6/17/2026
Listed for sale
Source: Stellar MLS #TB8520450
$350,000
$265/sqft
Est. monthly payment$2,030/mo
Principal & interest$1,825
Property taxes$30
Insurance$175
Down payment20% · $70,000
Interest rate6.80%
Loan term

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Property taxes are this home's actual annual bill from the MLS, divided by twelve. Insurance estimated at 0.60%. Rate defaults to 6.8% on a 30-year fixed. Tap a pencil to use your own numbers. Estimates only, not a loan quote.

Offer Insights

Choose an offer strength

List price: $350,000
$347,500 – $350,000
99.5% – 100% of listTops out right at the list price
80% of listList price
131 of the last 207 home closings in 33881 landed at this number or higher (63%). The median one sat 42 days before it went under contract, and this one is on day 89.

Sample: 207 closed home sales in 33881 over the last 8 months, Stellar MLS. A starting point, not a guarantee.

Talk through an offer with our team

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