4127 SPRUCEWOOD STREET, WINTER HAVEN, FL, 33880
Active312 days on marketListed Sep 29, 2025MLS #P4936494
About this home
4127 SPRUCEWOOD STREET
Great home with an open living space ready for it's next owner. This home has a fresh coat of paint and is a blank slate for it's new owners. Sit on the front porch and enjoy your morning coffee. The rooms are nice sized with great closet space. The laundry/shop area has plenty of space for your Do-it-yourself projects. Oakwood Estates, a 55+ community offers 2 pools, 2 clubhouses, shuffleboard, tennis courts, miniature golf, and much more. In addition to the amenities, Oakwood offers many opportunities to meet with new folks. Come to Koffee Klatch on Wednesday morning, enjoy an ice cream social a couple times a month, or get your Boogie on at one of the dances. Call today to view this home that's just waiting for YOU!!
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,035
Sqft
0.08 ac
Lot size
1982
Year built
One
Levels
$82
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.
$969 /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
$969/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
−24.8%
$/sqft vs OAKWOOD ESTATES
$82 vs $100
Days on market
312 vs 48 typical
Where $82/sqft sits among the 24 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 →
The numbers that matter
The Winter Haven market
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
7 of 24
OAKWOOD ESTATES have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 70% below the Winter Haven median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 4127 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 · Jun ’26$115,000
4555 REDWOOD STREET · same community
2 bd · 2 ba · 1,035 sqft · $111/sqft · 419 DOM
Sold · Oct ’25$95,000
4034 ROLLING OAKS DRIVE · same community
2 bd · 2 ba · 1,032 sqft · $92/sqft · 23 DOM
Sold · Dec ’25$104,000
4236 CEDARWOOD STREET · same community
2 bd · 2 ba · 1,056 sqft · $98/sqft · 243 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 4127 SPRUCEWOOD STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4127 SPRUCEWOOD STREET — 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
4127 SPRUCEWOOD STREET FAQs
What would the monthly payment be for 4127 SPRUCEWOOD STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $969/mo — principal and interest, the actual property-tax bill, the $163/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 4127 SPRUCEWOOD STREET?+
The association fee works out to $163 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4127 SPRUCEWOOD STREET?+
The most recent tax bill on record (2024) was $1,291. 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 4127 SPRUCEWOOD STREET?+
The listing reports pets: Cats OK, 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 $85,000, this home is listed about 70% below the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Under the Winter Haven market on paper
$85,000 is 70% below the Winter Haven median of $285,000, and at $82/sqft it sits under the Winter Haven average of $174.
02Time on market is leverage
312 days on market against a Winter Haven median of 48 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $109,000, now $85,000 — a $24K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · KATHY Devor. MLS #P4936494.
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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