David Ramirez
Short-Term Rental Eligible
$525,990$579,0004 bd3 ba2,653 sqft$198 /sqft$4,122 /mo all-in ↓

445 TALAMONE DRIVE, WINTER HAVEN, FL, 33884

Active48 days on marketListed Jun 5, 2026MLS #P4938949

Reduced $53KPrivate poolSingle Family ResidenceTUSCANY AT WINTERSET

Come see it

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

Private poolPets allowed

Inside

FlooringCeramic Tile · Hardwood
AppliancesDishwasher · Disposal · Gas Water Heater · Indoor Grill · Microwave · Range
InteriorCeiling Fan(s) · Crown Molding · Eating Space In Kitchen · In Wall Pest System · Kitchen/Family Room Combo · Open Floorplan · Split Bedroom · Tray Ceiling(s) · Walk-In Closet(s)
LaundryInside
CoolingCentral Air
HeatingCentral · Electric

Outside & construction

RoofShingle
ConstructionBlock · Stucco
FoundationSlab
FacesSouth
ParkingGarage Door Opener
ExteriorIrrigation System · Lighting · Outdoor Kitchen · Sliding Doors

Community & fees

HOA fee$83/mo
Taxes (2025)$6,593/yr
PetsYes
CommunityDeed Restrictions

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Street Lights
WaterPublic

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%

Principal & interest$3,096
FHA mortgage insurance (est.)$233
Property tax — 2025 actual bill$549
HOA fee — from the listing$83
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $18,410Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesActual bill on recordInsuranceFlorida estimate

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

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Run your own numbers

Loan type
Down payment3.5% · $18,410
Interest rate6.00%
Loan term

Estimated payment

$4,122/mo

Principal & interest$3,096
FHA mortgage insurance (est.)$233
Property taxes (actual bill)$549
HOA / condo fee$83
Est. insurance$160

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.

List $526K
$323KedgeAI estimate $503,480 · range $336K$569K$592K

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

48
61
109
107 · this home
27
48
$105–129$129–152$152–176$176–200$200–224$224+

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

Nightly rentalsAllowed
CommunityTuscany
Fine-tuned for this homePrepared free by our team
Get the free rental analysis

Projected nightly rate, occupancy and annual revenue for this exact home.

Long-term rental

$1,820/mo median

MarketWinter Haven
Annual gross at median$21,840
Gross yield on this price4.2%
Homes for rent right now206

Live Winter Haven rental listing data — this home’s rate depends on size, condition and furnishing.

The New Smyrna Beach short-term market

▼ Softening

38%

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

35%
50%
57%
45%
35%
32%
47%
35%
28%
30%
31%
29%
JanFebMarAprMayJunJulAugSepOctNovDec

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

Map of 445 TALAMONE DRIVE inside its neighborhood boundary

Drive times from this address

Walt Disney World49 min
Universal Orlando59 min
Downtown Orlando66 min
Downtown Tampa66 min
Orlando Int’l Airport (MCO)70 min

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

ElementaryElbert Elementary School★★★★
HighWinter Haven Senior High School★★★★★
MiddleDenison Middle School★★★★

School assignments and ratings via edgeAI — always verify with the district.

The numbers that matter

The Winter Haven market

Seller’s marketBalanced6.5 months of inventoryBuyer’s 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

CurrentPrice reduced to $525,990 $53K
Jun 5, 2026Listed at $579,000 · 48 days on market since
2002Built · TUSCANY AT WINTERSET

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.

404 TALAMONE DRIVESold · May ’26

$481,000

404 TALAMONE DRIVE · same community

4 bd · 3 ba · 2,221 sqft · $217/sqft · 80 DOM

4193 LIMERICK DRIVESold · Mar ’26

$420,000

4193 LIMERICK DRIVE

3 bd · 3 ba · 2,639 sqft · $159/sqft · 8 DOM

416 CORSO LOOPSold · 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.

David Ramirez

Your agent

David Ramirez

Real Estate Agent · CENTURY 21 Edge

Tours, negotiation, and every question about 445 TALAMONE DRIVE — start here.

Andrew Acosta

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.

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.

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.

Never miss a listing

New Winter Haven homes, in your inbox

Like 445 TALAMONE DRIVE but not quite? A daily digest of every new listing in Winter Haven — straight from the MLS, hours after it goes live. Unsubscribe anytime.

Just watching this one home? Ask David to ping you on any price or status change →

CENTURY 21 Edge
© 2026 CENTURY 21® and the CENTURY 21 Logo are registered service marks owned by Century 21 Real Estate LLC. Sunseria Real Estate Group LLC d/b/a CENTURY 21 Edge fully supports the principles of the Fair Housing Act and the Equal Opportunity Act. Each office is independently owned and operated. Any services or products provided by independently owned and operated franchisees are not provided by, affiliated with, or related to Century 21 Real Estate LLC nor any of its affiliated companies.

MLS® Disclaimers

Stellar MLS / MFRMLSCopyright © MFRMLS.com. All information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided 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. Information on this site was last updated July 23, 2026 at 3:15 PM UTC. The listing information on this page last changed on July 23, 2026 at 3:15 PM UTC. The data relating to real estate for sale on this website comes in part from the Internet Data Exchange program of MFR MLS. Updated on July 23, 2026 at 3:15 PM UTC.

StellarMLS DMCA Notice: The Digital Millennium Copyright Act of 1998, 17 U.S.C. §512, the DMCA, provides recourse for copyright owners who believe that material appearing on the Internet infringes their rights under U.S. copyright law. If you believe in good faith that any content or material made available in connection with our website or services infringes your copyright, you (or your agent) may send us a notice requesting that the content or material be removed, or access to it blocked. Notices must be sent in writing by email to DMCAnotice@MLSGrid.com. The DMCA requires that your notice of alleged copyright infringement include the following information: (1) description of the copyrighted work that is the subject of claimed infringement; (2) description of the alleged infringing content and information sufficient to permit us to locate the content; (3) contact information for you, including your address, telephone number and email address; (4) a statement by you that you have a good faith belief that the content in the manner complained of is not authorized by the copyright owner, or its agent, or by the operation of any law; (5) a statement by you, signed under penalty of perjury, that the information in the notification is accurate and that you have the authority to enforce the copyrights that are claimed to be infringed; and (6) a physical or electronic signature of the copyright owner or a person authorized to act on the copyright owners behalf. Failure to include all of the above information may result in the delay of the processing of your complaint.

Southeast Florida MLSCopyright Southeast Florida Multiple Listing Service © 2026. Accuracy of listing information is not guaranteed. Listing information is provided for personal consumer, non-commercial use, solely to identify potential properties for potential purchase. All other use is strictly prohibited, is a violation of the terms of use, and may violate federal and state law. Data Last Updated: July 23, 2026 at 3:15 PM UTC.

Space Coast AORThese listings are provided by the IDX Program of Brevard County, Florida. Real Estate listings held by brokerage firms other than CENTURY 21 Edge Central Florida are marked with the IDX Logo and detailed information about them includes the name of the listing brokers. 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. Information deemed reliable but not guaranteed.

Beaches MLSAll information deemed reliable but not guaranteed. All properties are subject to prior sale, change or withdrawal. Neither listing broker(s) or information provider(s) shall be responsible for any typographical errors, misinformation, misprints and shall be held totally harmless. Listing(s) information is provided for consumer''s personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.