David Ramirez
Short-Term Rental Eligible
$4,1054 bd3 ba2,653 sqft$2 /sqft$190 /mo all-in ↓

445 TALAMONE DRIVE, WINTER HAVEN, FL, 33884

Active23 days on marketListed Jun 30, 2026MLS #P4939194

Priced 99% below the WINTER HAVEN 33884 medianPrivate poolSingle Family ResidenceTUSCANY AT WINTERSET

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 rent a beautiful property in one of Southeast Winter Haven's most desirable gated communities. Available this August

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

$2

Per sqft

Private poolPets allowed

Inside

AppliancesDishwasher · Dryer · Microwave · Refrigerator
InteriorCeiling Fan(s)
LaundryLaundry Room
CoolingCentral Air
HeatingCentral

Outside & construction

Community & fees

PetsCats OK, Dogs OK, Pet Deposit, Yes

Utilities & systems

The numbers

What it really costs

Principal and interest plus estimated taxes and insurance. Run your own numbers below.

$190 /mo · 3.5% down FHA, 30-yr fixed at 6%

Principal & interest$24
FHA mortgage insurance (est.)$2
Est. property taxes (1.1%/yr)$4
Insurance (FL estimate)$160

The assumptions

Loan typeFHADown payment3.5% · $144Loan30-yr fixed at 6%Mortgage insuranceIncludedTaxesEstimated at 1.1%/yrInsuranceFlorida 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% · $144
Interest rate6.00%
Loan term

Estimated payment

$190/mo

Principal & interest$24
FHA mortgage insurance (est.)$2
Est. property taxes$4
Est. insurance$160

Includes FHA mortgage insurance and the financed 1.75% upfront premium. Estimates only — taxes at 1.1%/yr and typical insurance; your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.

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 price532.0%
Homes for rent right now206

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

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)

Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.

This home is listed 99% below the WINTER HAVEN 33884 median. See the full Winter Haven market guide →

Paper trail

This home's history

Jun 30, 2026Listed at $4,105 · 23 days on market since
2002Built · TUSCANY AT WINTERSET

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 $190/mo — principal and interest, estimated property taxes 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.

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: Cats OK, Dogs OK, Pet Deposit, 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 $4,105, this home is listed about 99% 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 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

Three things that matter here

01Under the WINTER HAVEN 33884 market on paper

$4,105 is 99% below the WINTER HAVEN 33884 median of $286,000, and at $2/sqft it sits under the Winter Haven average of $172.

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.

Listing courtesy of 3D TEAM REALTY LLC · Jimmy Aguilar. MLS #P4939194.

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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