3406 FOX RIDGE STREET, WINTER HAVEN, FL, 33884
Active167 days on marketListed Feb 15, 2026MLS #P4937801
About this home
3406 FOX RIDGE STREET
IDEAL LOCATION FOR THIS HOME situated near Garden Grove Elementary and LEGOLAND, with convenient access to shopping along the Boulevard and into downtown Winter Haven. This 3-bedroom, 2-bath split-plan home features an open-concept living and dining area that flows into the kitchen, a decorative stone fireplace for cozy winter months, attractive laminate plank flooring, cathedral ceilings, and sliding glass doors leading to the screened lanai. The kitchen is appointed with lovely new cabinetry, and the dining area is perfectly positioned for easy entertaining. The en suite primary bedroom offers private lanai access and a walk-in closet, with a bathroom that includes a single-sink vanity and full-size shower. Two additional bedrooms are split from the primary suite and feature laminate flooring and ceiling fans, with convenient access to a guest bath with a bathtub. Enjoy the screened lanai overlooking a fenced backyard, ideal for pets or little ones, plus an indoor laundry area with washer and dryer hookups and a spacious 20’x21’ garage complete with a workbench and room for storage. Major updates include a new roof, new air conditioning system, and new kitchen appliances, offering peace of mind in this great Central Florida neighborhood — call today!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,392
Sqft
0.15 ac
Lot size
2
Garage
1987
Year built
One
Levels
$198
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.
$2,194 /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
$2,194/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
+10.6%
$/sqft vs Winter Haven actives
$198 vs $170
Days on market
167 vs 42 typical
Where $198/sqft sits among the 400 Winter Haven 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.
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 →
WINTER HAVEN 33884 — neighborhood snapshot
Population
36,395
Median age
45.3
Median income
$70,516
Median home value
$269,400
Avg household
2.58
Households w/ children
3,777
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Haven market
$285K → $287K
Winter Haven median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
187 of 400
Winter Haven actives have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 3% below the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 3406 FOX RIDGE STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$215,000
3410 FOX RIDGE STREET · same community
3 bd · 2 ba · 1,369 sqft · $157/sqft · 8 DOM
Sold · Jun ’26$260,000
3410 FOX RIDGE STREET · same community
3 bd · 2 ba · 1,369 sqft · $190/sqft · 76 DOM
Sold · Dec ’25$255,000
106 MORNING GLORY CIRCLE
2 bd · 2 ba · 1,395 sqft · $183/sqft · 2 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 3406 FOX RIDGE STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3406 FOX RIDGE 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
3406 FOX RIDGE STREET FAQs
What would the monthly payment be for 3406 FOX RIDGE STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,194/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 3406 FOX RIDGE STREET?+
The most recent tax bill on record (2025) was $3,523. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Winter Haven?+
At $275,000, this home is listed about 4% below the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3406 FOX RIDGE STREET?+
Elbert Elementary School (elementary), Winter Haven Senior High School (high), Denison Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Erin Floyd. MLS #P4937801.
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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