4132 SPRUCEWOOD STREET, WINTER HAVEN, FL, 33880
Active61 days on marketListed Jun 6, 2026MLS #P4938951
About this home
4132 SPRUCEWOOD STREET
Location! Location! Location! This beautiful fully furnished home in Oakwood Estates is located next to the pool, tennis courts, and smaller clubhouse. Walk into the lanai as you enter the home. Once inside the home you will find a cozy family room and an open and and appealing kitchen just perfect for entertaining. The living room beyond the kitchen is open and spacious. The refrigerator was new in 2025. The guest bedroom opens onto the guest bath giving your overnight guest their own bathroom. The primary bedroom is large enough for a king sized bed, plus lots of closet storage space. The laundry with new washer and dryer is located inside the home. The roof was done in 2019 and the air conditioner in 2024. And if that isn't enough, there is new carpet throughout the home. Oakwood Estates is a 55+ community offering many activities and amenities. You can stay as busy as you would like, or just sit back and watch the world go by.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,344
Sqft
0.08 ac
Lot size
1981
Year built
One
Levels
$96
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.
$1,238 /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
$1,238/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
+10.1%
$/sqft vs OAKWOOD ESTATES
$96 vs $100
Days on market
61 vs 47 typical
Where $96/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)
8 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 55% below the Winter Haven median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 4132 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 · Sep ’25$135,000
4455 LIMEWOOD STREET · same community
2 bd · 2 ba · 1,368 sqft · $99/sqft · 41 DOM
Sold · Oct ’25$139,000
4153 ROLLING OAKS DRIVE · same community
2 bd · 2 ba · 1,368 sqft · $102/sqft · 85 DOM
Sold · Jan ’26$105,000
4452 LIMEWOOD STREET · same community
2 bd · 2 ba · 1,256 sqft · $84/sqft · 38 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 4132 SPRUCEWOOD STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4132 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
4132 SPRUCEWOOD STREET FAQs
What would the monthly payment be for 4132 SPRUCEWOOD STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $1,238/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 4132 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 4132 SPRUCEWOOD STREET?+
The most recent tax bill on record (2025) was $1,183. 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 4132 SPRUCEWOOD STREET?+
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 $129,000, this home is listed about 55% below the Winter Haven median of $284,990. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · KATHY Devor. MLS #P4938951.
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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