4495 MANDOLIN BOULEVARD, WINTER HAVEN, FL, 33884
Active163 days on marketListed Feb 10, 2026MLS #R4910695
About this home
4495 MANDOLIN BOULEVARD
MOTIVATED SELLER: Convenient location, not to mention FANTASTIC price, and great down payment assistance AVAILABLE TO QUALIFIED BUYERS. Don't pass on this property. Great bang for your buck> Price reduction! Bring your buyers. Motivated seller brings added opportunity on this inviting four-bedroom, two-bathroom single family home in Winter Haven. Featuring a desirable split floor plan, this home offers privacy comfort, space, and functionality while maintaining an easy, natural flow throughout the main living areas perfect for everyday living and entertaining. The spacious primary suite serves as a relaxing retreat, featuring, a walk-in closet, a soaker tub, and a separate shower. Generously sized secondary bedrooms present flexibility for guests, a home office, or future needs. Enjoy warm and welcoming living spaces that lead to a screened patio, ideal for morning coffee or evening gatherings, all overlooking a fenced backyard that provides privacy and room to enjoy the outdoors. A brand-new roof installed in 2025 adds peace of mind and long-term value. Move-in ready and competitively price. This home is a fantastic opportunity for buyers. Looking for space, comfort, and a great value This home is ready for its next owners. Schedule your showing today and bring your offers. YOUR NEW HOME AWAITS. DOWN PAYMENT ASSISTANCE IS AVAILABLE TO QUALIFIED BUYER(S). Close to logo land, new Publix is a street away. Conveniently located. Give us a call to schedule your showing.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,903
Sqft
0.26 ac
Lot size
2
Garage
2011
Year built
One
Levels
$176
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.
$2,549 /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
$2,549/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
+5.7%
$/sqft vs Winter Haven actives
$176 vs $171
Days on market
163 vs 42 typical
Where $176/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 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
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Winter Haven 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 17% above the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 4495 MANDOLIN BOULEVARD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jun ’26$367,000
353 MANDOLIN LANE · same community
3 bd · 2 ba · 2,035 sqft · $180/sqft · 29 DOM
Sold · Oct ’25$339,000
4569 MANDOLIN BOULEVARD · same community
4 bd · 2 ba · 1,665 sqft · $204/sqft · 48 DOM
Sold · Jun ’26$299,000
107 MANDOLIN DRIVE · same community
4 bd · 2 ba · 1,665 sqft · $180/sqft · 106 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 4495 MANDOLIN BOULEVARD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4495 MANDOLIN BOULEVARD — 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
4495 MANDOLIN BOULEVARD FAQs
What would the monthly payment be for 4495 MANDOLIN BOULEVARD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,549/mo — principal and interest, the actual property-tax bill, the $56/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 4495 MANDOLIN BOULEVARD?+
The association fee works out to $56 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 4495 MANDOLIN BOULEVARD?+
The most recent tax bill on record (2025) was $2,554. 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 4495 MANDOLIN BOULEVARD?+
The listing reports pets: No. 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 $335,000, this home is listed about 18% 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 4495 MANDOLIN BOULEVARD?+
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
01Positioned at the premium end
$335,000 runs 17% above the WINTER HAVEN 33884 median — but at 1,903 sqft it's also 15% larger than the typical Winter Haven listing.
02Time on market is leverage
163 days on market against a Winter Haven median of 42 — sellers in this position are usually ready to negotiate.
03The price has already moved
Listed at $370,000, now $335,000 — a $35K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of AUDITH POLEON REALTY · Audith Poleon. MLS #R4910695.
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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