204 TERRACE RIDGE CIRCLE UNIT 204, DAVENPORT, FL, 33896
Active125 days on marketListed Apr 8, 2026MLS #O6392765
About this home
204 TERRACE RIDGE CIRCLE UNIT 204
Welcome! This inviting 4-bedroom, 2-bathroom, first floor corner unit presents a thoughtfully designed space, with an open layout, spacious bedrooms, and a private, covered patio, creating a warm atmosphere ready for any occasion. The secure gated entrance offers peace of mind, while the community pool, clubhouse, fitness center, and volleyball court provide daily enjoyment. Cable TV is also included with the monthly dues. The location offers outstanding convenience with immediate proximity to Publix, Aldi, and numerous shopping centers boasting daily essentials, primary services, restaurants, shopping, and entertainment for easy day-to-day living. Whether you are headed to Disney, Universal, or beyond, easy access to major roads and highways ensures effortless travel throughout Central Florida. This welcoming property and community combine comfortable living, with attractive community features, and exceptional accessibility, culminating in an ideal option for those seeking both relaxation and recreation. Don't let this opportunity slip away, schedule your private showing today and experience the perfect blend of comfort and convenience that awaits you.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,688
Sqft
0.01 ac
Lot size
2005
Year built
One
Levels
$115
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.
$1,633 /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
$1,633/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
−38.3%
$/sqft vs Davenport actives
$115 vs $191
Days on market
125 vs 55 typical
Where $115/sqft sits among the 400 Davenport actives
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 → $370K
Davenport median sold, yr/yr
97.6%
Sale-to-list ratio (12 mo)
178 of 400
Davenport actives have cut their price
Median sold price, Davenport, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 48% below the DAVENPORT 33896 median. See the full Davenport market guide →
Paper trail
This home's history
Reality check
What actually sold near 204 TERRACE RIDGE CIRCLE UNIT 204
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$350,000
324 GRANADA BOULEVARD
3 bd · 2 ba · 1,695 sqft · $206/sqft · 62 DOM
Sold · Sep ’25$355,000
301 SIERRA WAY
3 bd · 2 ba · 1,702 sqft · $209/sqft · 25 DOM
Sold · May ’26$359,000
449 BENT OAK LOOP
4 bd · 2 ba · 1,738 sqft · $207/sqft · 4 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 204 TERRACE RIDGE CIRCLE UNIT 204 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 204 TERRACE RIDGE CIRCLE UNIT 204 — 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
204 TERRACE RIDGE CIRCLE UNIT 204 FAQs
What would the monthly payment be for 204 TERRACE RIDGE CIRCLE UNIT 204?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,633/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 204 TERRACE RIDGE CIRCLE UNIT 204?+
The most recent tax bill on record (2025) was $2,937. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 204 TERRACE RIDGE CIRCLE UNIT 204 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 204 TERRACE RIDGE CIRCLE UNIT 204?+
The listing reports pets: Number Limit, Size Limit, 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 $194,000, this home is listed about 50% below the Davenport median of $389,990. The market section on this page shows how the area is trending.
Which schools are assigned to 204 TERRACE RIDGE CIRCLE UNIT 204?+
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
Four things that matter here
01Under the DAVENPORT 33896 market on paper
$194,000 is 48% below the DAVENPORT 33896 median of $375,000, and at $115/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.
03Time on market is leverage
125 days on market against a Davenport median of 55 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $199,000, now $194,000 — a $5K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of BERKSHIRE HATHAWAY HOMESERVICES RESULTS REALTY · Joseph Doher. MLS #O6392765.
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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