220 HARTRIDGE HILLS DR, WINTER HAVEN, FL, 33881
Pending23 days on marketListed Jul 11, 2026MLS #P4939062
About this home
220 HARTRIDGE HILLS DR
ARE YOU AN AIRCRAFT OWNER, PILOT, FLYING ENTHUSIAST AND/OR LOOKING FOR ACCESS TO THE CHAIN OF LAKES? Relax and enjoy life in this attractive 2383 SF 3BR/2.5 Bath home with study located in Hartridge Hills, a gated community with boat ramp and dock on Lake Hartridge, adjacent to the Winter Haven airport and near Jack Brown Seaplane Base! The community features CUSTOM EXECUTIVE STYLE homes! When built, this amazing home won the following parade of Homes Awards: Home of the Year; Best Kitchen; Best Master Bath; Best Exterior; Best Overall Quality; and, Best Floor Plan! The home features an open floor plan with split bedrooms, crown molding, volume ceilings, interior laundry room and attractive tile flooring. The kitchen overlooks the dining area and offers granite countertops, wood cabinetry, stainless steel appliances and pantry closet. The primary suite has sliding glass doors leading to the covered lanai, two walk-in closets and en suite bathroom with separate vanities, garden tub, walk around shower and a water closet. Most recent updates include: new landscaping May 2026; new refrigerator June 2025; installation of irrigation well 2025; repainting interior walls, trim and doors 2022; and installation of New 30 year Architectural Shingle Roof April 2022. The Community Offers a BOAT RAMP & DOCK on LAKE HARTRIDGE providing residents access to the CHAIN OF LAKES! HOA fee maintains streets, common areas, lights, gate, boat ramp & dock and mowing and fertilization of yards!! Centrally located with easy access to shopping, restaurants, medical facilities and surrounding towns.
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
2,383
Sqft
0.23 ac
Lot size
2
Garage
2007
Year built
One
Levels
$155
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.
$3,142 /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
$3,142/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
−23.6%
$/sqft vs Winter Haven actives
$155 vs $174
Days on market
23 vs 46 typical
Where $155/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 33881 — neighborhood snapshot
Population
39,189
Median age
43.6
Median income
$53,867
Median home value
$177,400
Avg household
2.61
Households w/ children
3,730
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
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
185 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 50% above the WINTER HAVEN 33881 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 220 HARTRIDGE HILLS DR
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$325,000
205 LOMA DRIVE · same community
3 bd · 2 ba · 2,069 sqft · $157/sqft · 30 DOM
Sold · Jun ’26$299,000
226 HILL COURT · same community
3 bd · 2 ba · 1,821 sqft · $164/sqft · 19 DOM
Sold · Jul ’25$315,000
4060 LAKE MARIANNA DRIVE
3 bd · 3 ba · 2,346 sqft · $134/sqft · 181 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 220 HARTRIDGE HILLS DR — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 220 HARTRIDGE HILLS DR — 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
220 HARTRIDGE HILLS DR FAQs
What would the monthly payment be for 220 HARTRIDGE HILLS DR?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,142/mo — principal and interest, the actual property-tax bill, the $150/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 220 HARTRIDGE HILLS DR?+
The association fee works out to $150 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 220 HARTRIDGE HILLS DR?+
The most recent tax bill on record (2025) was $5,885. 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 220 HARTRIDGE HILLS DR?+
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 $369,900, this home is listed about 30% above the Winter Haven median of $284,995. The market section on this page shows how the area is trending.
Which schools are assigned to 220 HARTRIDGE HILLS DR?+
Lake Alfred Polytech Academy (middle), Fred G. Garner Academy (elementary), Winter Haven Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of JUDY B CLEAVES PROPERTIES INC · Carol Jean Sheil. MLS #P4939062.
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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