295 SPINNAKER COURT, AUBURNDALE, FL, 33823
Active175 days on marketListed Feb 10, 2026MLS #P4937799
About this home
295 SPINNAKER COURT
YOU HAVE TO SEE THE VIEWS FROM THIS WATERFRONT LOT! It's about the lifestyle when you decide to move and build in Water Ridge. Whether you like tennis, boating around the lakes, swimming, a workout at the fitness center, or just strolling around this waterfront community, you will never be bored of the tranquility and lake views that homeowners enjoy here. Water Ridge is a gated community, located near the Polk Pkwy and I-4. Less than an hour to both Tampa and Orlando. This is a beautiful waterfront home site in a premium neighborhood, cleared and ready for your dream home to be built! Visit this amazing, gated community today!
Facts & features
The home at a glance
0.48 ac
Lot size
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.
$1,149 /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
$1,149/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.
Where it sits
Inside Water Ridge
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Auburndale. See the full Auburndale guide →
Water Ridge — neighborhood snapshot
Population
256
Median age
46
Median income
$66,839
Median home value
$255,481
Avg household
3
Households w/ children
24%
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Auburndale market
$316K → $345K
Auburndale median sold, yr/yr
97.8%
Sale-to-list ratio (12 mo)
Median sold price, Auburndale, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 65% below the AUBURNDALE 33823 median. See the full Auburndale market guide →
Paper trail
This home's history
Reality check
What actually sold near 295 SPINNAKER COURT
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$540,000
214 SPRING AZURE DRIVE · same community
4 bd · 2.5 ba · 1,934 sqft · $279/sqft · 97 DOM
Sold · Mar ’26$500,000
400 ADAMS VIEW LANE · same community
3 bd · 2 ba · 2,046 sqft · $244/sqft · 67 DOM
Sold · Sep ’25$450,000
537 POND CYPRESS COURT · same community
3 bd · 2 ba · 2,267 sqft · $199/sqft · 170 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 295 SPINNAKER COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 295 SPINNAKER COURT — 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
295 SPINNAKER COURT FAQs
What would the monthly payment be for 295 SPINNAKER COURT?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,149/mo — principal and interest, the actual property-tax bill, the $175/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 295 SPINNAKER COURT?+
The association fee works out to $175 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 295 SPINNAKER COURT?+
The most recent tax bill on record (2025) was $1,416. 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 295 SPINNAKER COURT?+
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 Auburndale?+
At $109,900, this home is listed about 69% below the Auburndale median of $349,995. The market section on this page shows how the area is trending.
Which schools are assigned to 295 SPINNAKER COURT?+
Lake Alfred Polytech Academy (middle), Lake Alfred Elementary School (elementary), Auburndale 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
01Under the AUBURNDALE 33823 market on paper
$109,900 is 65% below the AUBURNDALE 33823 median of $317,500.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
175 days on market against a Auburndale median of 62 — sellers in this position are usually ready to negotiate.
Keep looking
Similar homes nearby
Listing courtesy of LA ROSA REALTY PRESTIGE · Joe Paladina. MLS #P4937799.
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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