
445 TALAMONE DRIVE, WINTER HAVEN, FL, 33884
Active48 days on marketListed Jun 5, 2026MLS #P4938949
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Upcoming open house
Sun, Jul 26
2:00 PM – 6:00 PM
gate code#0747, call 863.604.3662 for any questions
About this home
445 TALAMONE DRIVE
Nestled within the exclusive gated community of Tuscany, a charming neighborhood of just 18 homes in Southeast Winter Haven, this 4 bedroom, 3 bath pool home offers over 3,300 square feet under roof on a private 0.33 acre lot. Designed for both comfortable living and entertaining, the home features a dedicated office, formal dining room, living room, and an impressive 25' x 17' poolside bonus room complete with a custom wall-to-wall hardwood entertainment center, surround sound, upgraded lighting, tile flooring, and ceiling fan. The spacious kitchen showcases abundant Kraft Maid cabinetry, granite countertops, generous workspace, and a sunny breakfast nook overlooking the pool. A thoughtfully designed triple-split bedroom floor plan provides privacy for family and guests, while multiple access points lead to the screened pool and outdoor living areas. The spacious primary suite features a double-sink vanity, garden tub, separate shower, private water closet, and oversized walk-in closet. It also as access to the pool area. Additional highlights include hand-scraped real wood flooring throughout most of the home, including the primary suite, an outdoor summer kitchen with built-in gas grill, sink, and refrigerator, indoor laundry room, oversized two-car garage, expanded driveway with parking for up to eight vehicles, a separate entrance to the bonus room, and mature landscaping with an irrigation system on a dedicated meter. The large private backyard offers plenty of space beyond the screened pool area, creating a peaceful retreat while remaining conveniently located less than a mile from schools and Publix supermarket. Experience this exceptional property like never before with a 3D Interactive Virtual Tour or Virtual Reality featuring a 2D Floor Plan and immersive 3D Dollhouse Model, plus a 360-degree Interactive Aerial Virtual Tour showcasing the entire Tuscany community and panoramic views as far as the eye can see. The home features a stunning collection of modern gold crystal chandeliers throughout, including a 23.6" dimmable LED crystal chandelier with adjustable color temperatures in the hallways and kitchen, an elegant gold crystal flush-mount chandelier in the master bedroom, a large modern crystal LED chandelier that serves as a beautiful focal point in the living room, and a luxurious 40" gold rectangular crystal chandelier with 16 lights above the dining area, creating a cohesive, contemporary design with lighting and timeless elegance throughout the home. Meticulously maintained, this one-of-a-kind pool home is a rare opportunity to own a beautiful property in one of Southeast Winter Haven's most desirable gated communities.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,653
Sqft
0.33 ac
Lot size
2
Garage
2002
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 and the real association fee — not generic estimates.
$4,122 /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
$4,122/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
+4.5%
$/sqft vs Winter Haven actives
$198 vs $171
Days on market
48 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.
The investor lens
Two ways this home pays
This home sits inside Tuscany, 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
$1,820/mo median
Live Winter Haven rental listing data — this home’s rate depends on size, condition and furnishing.
The New Smyrna Beach short-term market
▼ Softening38%
Occupancy
▼ 32% yr/yr
$314
Avg nightly rate
▲ 12% yr/yr
$26K/yr
Revenue per listing
$126
RevPAR
70 days
Booking lead time
6 nights
Avg stay
7
Typical min nights
1,651
Active rentals
▲ 5% supply
Seasonality — monthly occupancy
Peaks at 57% in Mar · bottoms at 28% in Sep
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in New Smyrna Beach — the projection above is specific to this home’s size.
Where it sits
Inside Tuscany
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Tuscany is a short-term-rental community. See the full 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)
198 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 83% above the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 445 TALAMONE DRIVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$481,000
404 TALAMONE DRIVE · same community
4 bd · 3 ba · 2,221 sqft · $217/sqft · 80 DOM
Sold · Mar ’26$420,000
4193 LIMERICK DRIVE
3 bd · 3 ba · 2,639 sqft · $159/sqft · 8 DOM
Sold · Jun ’26$360,000
416 CORSO LOOP
5 bd · 3 ba · 2,616 sqft · $138/sqft · 44 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 445 TALAMONE DRIVE — start here.

Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 445 TALAMONE DRIVE — 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
445 TALAMONE DRIVE FAQs
What would the monthly payment be for 445 TALAMONE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $4,122/mo — principal and interest, the actual property-tax bill, the $83/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 445 TALAMONE DRIVE?+
The association fee works out to $83 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 445 TALAMONE DRIVE?+
The most recent tax bill on record (2025) was $6,593. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Can 445 TALAMONE DRIVE be rented short-term?+
Yes — this home sits inside Tuscany, 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 445 TALAMONE DRIVE?+
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 Winter Haven?+
At $525,990, this home is listed about 85% above the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 445 TALAMONE DRIVE?+
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.
The brief
Four things that matter here
01Positioned at the premium end
$525,990 runs 83% above the WINTER HAVEN 33884 median — but at 2,653 sqft it's also 60% larger than the typical Winter Haven listing.
02Zoned for nightly rentals
Tuscany 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.
04The price has already moved
Listed at $579,000, now $525,990 — a $53K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of 3D TEAM REALTY LLC · Jimmy Aguilar. MLS #P4938949.
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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