David Ramirez
$235,0002 bd2 ba1,395 sqft$168 /sqft$2,161 /mo all-in ↓

664 CLUBHOUSE ROAD, WINTER HAVEN, FL, 33884

Active49 days on marketListed Jun 19, 2026MLS #P4939078

Priced 18% below the WINTER HAVEN 33884 medianFully furnishedTownhouseCYPRESSWOOD VILLAS/GREEN BLDG

About this home

664 CLUBHOUSE ROAD

Situated in the desirable golfing community of Cypresswood Golf & Country Club, this lovely 2-bedroom, 2-bath townhome offers comfort, style, and beautiful golf course views. Upon arrival, you'll be welcomed by a charming courtyard adorned with pavers, creating a warm and inviting entrance. A glass storm door and smart lock entry provide both convenience and security. Inside, luxury vinyl plank flooring flows throughout the main living areas, enhancing the home's modern appeal and ease of maintenance. The open-concept floor plan features an updated kitchen with maple wood cabinetry embellished with brushed nickel hardware and soft-close hinges. Corian countertops beautifully complement the tile backsplash, while the custom center island serves as the heart of the home. Additional features include a stainless steel appliance package, recessed lighting, and a closet pantry for ample storage. The adjacent dining area is filled with natural light from an overhead solar tube skylight, creating a bright and cheerful space for meals and gatherings. The spacious living room features a convenient dry bar and oversized sliding glass doors that showcase peaceful views of the golf course. The primary bedroom suite serves as a relaxing retreat, offering dual closets and sliding glass doors leading to the Florida Room. The remodeled en-suite bathroom features a comfort-height vanity with Corian countertops, bronze fixtures, and a walk-in shower with a frameless glass enclosure and safety grab bars. The guest bedroom includes luxury vinyl plank flooring, a custom closet organizer system, and views of the private courtyard. The spacious Florida Room provides the perfect place to relax and unwind while enjoying tranquil golf course views through two oversized sliding glass doors. Additional Features: Laundry room with washer and dryer, Comfort-height toilets, Exterior lighting, Metal roof, Gutters with gutter guards. This home is being offered turnkey and fully furnished, making it truly move-in ready. Conveniently located within walking distance of the community clubhouse, restaurant, pub, swimming pool, and tennis courts, this property offers exceptional accessibility to Cypresswood's amenities. The monthly HOA fee of $320 includes: Exterior painting Roof maintenance Lawn care Additional memberships are available for golf and fitness center access. The picturesque Cypresswood Golf & Country Club features beautifully maintained grounds, a 24-hour manned gated entrance, and a welcoming lifestyle centered around golf, recreation, and community living.

Facts & features

The home at a glance

2

Bedrooms

2

Bathrooms

1,395

Sqft

0.04 ac

Lot size

1981

Year built

One

Levels

$168

Per sqft

Golf Course viewFurnishedPets allowed

Inside

FlooringLuxury Vinyl · Tile
AppliancesDishwasher · Disposal · Dryer · Gas Water Heater · Microwave · Range · Refrigerator · Washer
InteriorCeiling Fan(s) · Living Room/Dining Room Combo · Open Floorplan · Primary Bedroom Main Floor · Solid Surface Counters · Solid Wood Cabinets · Split Bedroom
LaundryInside · Laundry Room
CoolingCentral Air
HeatingCentral
FurnishedFurnished

Outside & construction

RoofMetal
ConstructionBlock
FoundationSlab
ViewGolf Course
FacesEast
ExteriorCourtyard · Irrigation System · Lighting · Private Entrance · Rain Gutters · Sliding Doors

Community & fees

HOA fee$320/mo
Taxes (2025)$2,327/yr
PetsYes
CommunityClubhouse · Community Mailbox · Deed Restrictions · Fitness Center · Gated Community - Guard · Golf Carts OK · Golf · Pool · Restaurant · Tennis Court(s)

Utilities & systems

UtilitiesBB/HS Internet Available · Cable Available · Electricity Connected · Natural Gas Connected · Phone Available · Public · Sewer Connected · Street Lights · Water Connected
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.

$2,161 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$1,383
FHA mortgage insurance (est.)$104
Property tax — 2025 actual bill$194
HOA fee — from the listing$320
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $8,225Loan30-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% · $8,225
Interest rate6.00%
Loan term

Estimated payment

$2,161/mo

Principal & interest$1,383
FHA mortgage insurance (est.)$104
Property taxes (actual bill)$194
HOA / condo fee$320
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.

$/sqft vs Winter Haven actives

$168 vs $170

Days on market

49 vs 48 typical

Where $168/sqft sits among the 400 Winter Haven actives

53
75
113 · this home
89
30
40
$108–131$131–154$154–178$178–201$201–224$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.

Where it sits

Inside Winter Haven

Map of 664 CLUBHOUSE ROAD

Drive times from this address

Walt Disney World41 min
Universal Orlando51 min
Downtown Orlando57 min
Orlando Int’l Airport (MCO)62 min
Downtown Tampa72 min

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

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 marketBalanced5.2 months of inventoryBuyer’s market

$283K$280K

Winter Haven median sold, yr/yr

97.2%

Sale-to-list ratio (12 mo)

194 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 18% below the WINTER HAVEN 33884 median. See the full Winter Haven market guide →

Paper trail

This home's history

Jun 19, 2026Listed at $235,000 · 49 days on market since
1981Built · CYPRESSWOOD VILLAS/GREEN BLDG

Reality check

What actually sold near 664 CLUBHOUSE ROAD

Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.

2274 FIRESTONE PLACESold · Apr ’26

$185,000

2274 FIRESTONE PLACE

2 bd · 2 ba · 1,410 sqft · $131/sqft · 93 DOM

3201 OAK TREE LANESold · Feb ’26

$235,000

3201 OAK TREE LANE

3 bd · 2 ba · 1,376 sqft · $171/sqft · 58 DOM

423 GREENFIELD ROADSold · Mar ’26

$215,000

423 GREENFIELD ROAD

2 bd · 2 ba · 1,432 sqft · $150/sqft · 126 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 664 CLUBHOUSE ROAD — start here.

Andrew Acosta

Your lender

Andrew Acosta

Acosta Home Loans with PRMG · NMLS #1468866

Pre-approval, rates, and the real monthly number for 664 CLUBHOUSE ROAD — before you fall in love.

See it in person

Schedule a tour

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Straight answers

664 CLUBHOUSE ROAD FAQs

What would the monthly payment be for 664 CLUBHOUSE ROAD?+

With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,161/mo — principal and interest, the actual property-tax bill, the $320/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 664 CLUBHOUSE ROAD?+

The association fee works out to $320 per month. Ask us for the full association documents — they spell out exactly what the fee covers.

What are the property taxes on 664 CLUBHOUSE ROAD?+

The most recent tax bill on record (2025) was $2,327. 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 664 CLUBHOUSE ROAD?+

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 $235,000, this home is listed about 18% 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 664 CLUBHOUSE ROAD?+

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.

Listing courtesy of CENTURY 21 MYERS REALTY LAKE WALES · Eileen Belanger. MLS #P4939078.

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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664 CLUBHOUSE ROAD, WINTER HAVEN, FL — 2 Bed, 2 Bath — $235,000 | CENTURY 21 Edge