3147 WHISPERING TRAILS STREET, WINTER HAVEN, FL, 33884
Active105 days on marketListed Apr 27, 2026MLS #O6402822
About this home
3147 WHISPERING TRAILS STREET
Virtually Staged. $5,000 PRICE REDUCTION!!! Don’t miss this incredible opportunity to own this beautifully updated home. Conveniently located just minutes from Walmart, LEGOLAND, shopping plazas, restaurants, and everyday conveniences, this home offers the perfect combination of comfort and location. Move-in ready with major 2026 updates! Enjoy peace of mind with a brand-NEW Roof (July 2026), FRESH interior paint (July 2026), NEW HVAC system (June 2026), NEW kitchen appliances (July 2026), and a NEW kitchen faucet (June 2026) and shower head. Welcome to this charming 3-bedroom, 2-bath home offering 1,303 square feet in a desirable GATED COMMUNITY in Winter Haven. The unique side-entry front door, connected by a private walkway, adds character and inviting curb appeal. Inside, you’ll find a comfortable layout ready for you to make it your own. **Located in an established neighborhood with long-term residents and a welcoming atmosphere. Residents also enjoy access to the community pool!
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,303
Sqft
0.12 ac
Lot size
2
Garage
2006
Year built
One
Levels
$180
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.
$2,002 /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
$2,002/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
−3.7%
$/sqft vs Winter Haven actives
$180 vs $170
Days on market
105 vs 48 typical
Where $180/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
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
195 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% below the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 3147 WHISPERING TRAILS STREET
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Mar ’26$236,000
2033 WHISPERING TRAILS BOULEVARD · same community
3 bd · 2 ba · 1,303 sqft · $181/sqft · 181 DOM
Sold · May ’26$225,000
2036 WHISPERING TRAILS BOULEVARD · same community
3 bd · 2 ba · 1,148 sqft · $196/sqft · 41 DOM
Sold · Aug ’25$224,900
165 LAGOON ROAD
2 bd · 2 ba · 1,313 sqft · $171/sqft · 7 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
Steeve Cadeau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3147 WHISPERING TRAILS STREET — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3147 WHISPERING TRAILS STREET — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Steeve's phone and CRM.
Straight answers
3147 WHISPERING TRAILS STREET FAQs
What would the monthly payment be for 3147 WHISPERING TRAILS STREET?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,002/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 3147 WHISPERING TRAILS STREET?+
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 3147 WHISPERING TRAILS STREET?+
The most recent tax bill on record (2025) was $3,584. 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 3147 WHISPERING TRAILS STREET?+
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 3147 WHISPERING TRAILS STREET?+
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.
Keep looking
Similar homes nearby
Listing courtesy of NEWBERRY REALTY & DEV GRP INC. · Gylwerd Sevilla Oviedo. MLS #O6402822.
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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