804 TERRACE RIDGE CIRCLE UNIT 804, DAVENPORT, FL, 33896
Active266 days on marketListed Nov 12, 2025MLS #O6360189
About this home
804 TERRACE RIDGE CIRCLE UNIT 804
Welcome to Terrace Ridge Condominiums, a beautifully maintained gated community located near Old Lake Wilson Road and Osceola Polk Line Road in Davenport, Polk County, Florida. This spacious ground-floor 2-bedroom, 2-bathroom condo features a desirable split open floor plan with abundant natural light and contemporary finishes throughout. A brand-new AC was installed in 2026 what gives you peace of mind for your comfort. The large kitchen has newer stainless steel appliances, generous counter space. The primary suite includes a walk-in closet, dual vanities, a separate walk-in shower, and a jacuzzi tub. The second bedroom and full bath provide additional comfort and privacy. Other features include a laundry room and two large storage closets, and a welcoming living area for relaxing or entertaining. Community amenities include a heated pool and hot tub, clubhouse, fitness center, and recreational facilities. The HOA fee covers exterior maintenance, water, cable TV, and internet, for a low-maintenance lifestyle in a well-kept, resort-style setting. This property has a wonderful combination of comfort, convenience, and quality within a secure and beautifully maintained community. The pictures shows the furnished apartment, it is empty right now and ready for move in.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,261
Sqft
683 ac
Lot size
2005
Year built
One
Levels
$134
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.
$1,982 /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
$1,982/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.
$/sqft vs TERRACE RIDGE AT TOWN CENTER EAST CONDO
$134 vs $151
Days on market
266 vs 51 typical
Where $134/sqft sits among the 6 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
$2,285/mo median
Live Davenport rental listing data — this home’s rate depends on size, condition and furnishing.
The Florida short-term market
▼ Softening46%
Occupancy
▼ 35% yr/yr
$302
Avg nightly rate
▲ 16% yr/yr
$31K/yr
Revenue per listing
$138
RevPAR
70 days
Booking lead time
5.9 nights
Avg stay
3
Typical min nights
3,730
Active rentals
▲ 7% supply
Seasonality — monthly occupancy
Peaks at 55% in Mar · bottoms at 36% in Jun
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Florida — the projection above is specific to this home’s size.
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 → $355K
Davenport median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
3 of 6
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 55% below the DAVENPORT 33896 median. See the full Davenport market guide →
Paper trail
This home's history
Reality check
What actually sold near 804 TERRACE RIDGE CIRCLE UNIT 804
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$177,000
620 TERRACE RIDGE CIRCLE UNIT 620 · same community
2 bd · 2 ba · 1,261 sqft · $140/sqft · 61 DOM
Sold · Apr ’26$164,340
412 TERRACE RIDGE CIRCLE UNIT 412 · same community
2 bd · 2 ba · 1,261 sqft · $130/sqft · 5 DOM
Sold · Mar ’26$169,000
614 TERRACE RIDGE CIRCLE UNIT 614 · same community
2 bd · 2 ba · 1,261 sqft · $134/sqft · 207 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
David Ramirez
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 804 TERRACE RIDGE CIRCLE UNIT 804 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 804 TERRACE RIDGE CIRCLE UNIT 804 — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to David's phone and CRM.
Straight answers
804 TERRACE RIDGE CIRCLE UNIT 804 FAQs
What would the monthly payment be for 804 TERRACE RIDGE CIRCLE UNIT 804?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,982/mo — principal and interest, the actual property-tax bill, the $551/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 804 TERRACE RIDGE CIRCLE UNIT 804?+
The association fee works out to $551 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 804 TERRACE RIDGE CIRCLE UNIT 804?+
The most recent tax bill on record (2024) was $2,416. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 804 TERRACE RIDGE CIRCLE UNIT 804 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 804 TERRACE RIDGE CIRCLE UNIT 804?+
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 Davenport?+
At $169,000, this home is listed about 57% below the Davenport median of $389,900. The market section on this page shows how the area is trending.
Which schools are assigned to 804 TERRACE RIDGE CIRCLE UNIT 804?+
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
Five things that matter here
01Under the DAVENPORT 33896 market on paper
$169,000 is 55% below the DAVENPORT 33896 median of $375,000, and at $134/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.
03Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
04Know the monthly fee
The association fee is $551/mo. That usually buys real services — verify what's covered before comparing this home against fee-free alternatives.
05Time on market is leverage
266 days on market against a Davenport median of 51 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of BEYCOME OF FLORIDA LLC · Steven Koleno. MLS #O6360189.
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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