0 38TH STREET NW, WINTER HAVEN, FL, 33881
Active47 days on marketListed Jun 17, 2026MLS #TB8520450
About this home
0 38TH STREET NW
Pre-Construction. To be built. Lot 4 - Crown Model - Build the home you've always envisioned in beautiful Winter Haven! This to-be-built new construction home offers a unique opportunity to personalize your future residence from the very beginning. Buyers will have the ability to select interior and exterior color schemes and finishes, creating a home that truly reflects their individual style and preferences. Designed with modern living in mind, this home will feature a thoughtfully planned layout, quality craftsmanship, energy-efficient construction, and all the benefits that come with owning a brand-new home. Conveniently located near Winter Haven's shopping, dining, schools, parks, and the area's renowned chain of lakes, you'll enjoy both everyday convenience and the charm of one of Central Florida's fastest-growing communities. FHA construction loans are accepted, making homeownership more attainable for buyers looking to build instead of buy resale. Secure your homesite now and take advantage of the opportunity to customize your new home before construction is complete. Photos are for demonstration purposes only and may include finishes, colors, and upgrades that vary from the final product. Contact us today for available plans, timelines, and customization options.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,322
Sqft
0.16 ac
Lot size
2
Garage
2026
Year built
One
Levels
$265
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 — not generic estimates.
$2,405 /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
$2,405/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
+30.1%
$/sqft vs Winter Haven actives
$265 vs $170
Days on market
47 vs 42 typical
Where $265/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 →
The numbers that matter
The Winter Haven market
$285K → $287K
Winter Haven median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
192 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 23% above the Winter Haven median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 0 38TH STREET NW
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$280,000
207 24TH COURT SW
3 bd · 2 ba · 1,296 sqft · $216/sqft · 81 DOM
Sold · Feb ’26$262,000
2211 HOWARD WEST AVENUE
3 bd · 2 ba · 1,289 sqft · $203/sqft · 4 DOM
Sold · Jan ’26$255,000
2418 W CENTRAL AVENUE
3 bd · 2 ba · 1,249 sqft · $204/sqft · 10 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 0 38TH STREET NW — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 0 38TH STREET NW — 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
0 38TH STREET NW FAQs
What would the monthly payment be for 0 38TH STREET NW?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,405/mo — principal and interest, the actual property-tax bill 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.
What are the property taxes on 0 38TH STREET NW?+
The most recent tax bill on record (2025) was $356. 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 0 38TH STREET NW?+
The listing reports pets: Cats OK, Dogs OK, 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 $350,000, this home is listed about 23% above the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Listing courtesy of MIHARA & ASSOCIATES INC. · Heather Spinosa. MLS #TB8520450.
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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