305 HERNANDO ROAD, WINTER HAVEN, FL, 33884
Active154 days on marketListed Feb 17, 2026MLS #P4937701
About this home
305 HERNANDO ROAD
Listing price reduced!!! Enjoy the quaint living in this deed restricted community! Step into this stunning home through a spacious, light-filled foyer and prepare to be impressed by the thoughtfully, well maintained designed layout and exceptional features throughout. This home offers oversized bedrooms and a versatile bonus room—perfect for a game room, home office, or even a private in-law suite. This home has a formal living area, family room and dining area. So many different options for the use of this home. Two of the secondary bedrooms are connected by a convenient Jack-and-Jill bathroom, ideal for family living. The expansive kitchen boasts an abundance of cabinetry and storage, complemented by updated stainless-steel appliances and gleaming granite countertops. The bathrooms have been tastefully updated with granite surfaces and beautifully tiled showers. The master suite is truly unique, featuring a walk-around closet, a vanity area, and direct access to the sparkling pool area. In fact, the pool can be accessed from the master bedroom, family room, pool bath, one of the bedrooms, and the bonus room—making indoor-outdoor living a breeze. Additional highlights include: A Generac whole-home generator with a 120# propane tank and a irrigation system for the beautifully maintained yard, a newer roof (2016) and the pool system was replaced in 2021 and is well maintain as you will see. Located in the quiet, charming neighborhood of Valencia Wood Hills, this home offers the perfect balance of peace and convenience. Ideally situated between Tampa and Orlando, you’re just minutes from shopping, Legoland, and over 100 stunning lakes—perfect for boating, water skiing, and sunset dining. Don't miss the opportunity to make this exceptional home yours! You must see to appreciate!...Schedule your showing today.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,569
Sqft
0.34 ac
Lot size
2
Garage
1978
Year built
One
Levels
$186
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.
$3,555 /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
$3,555/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
+1.4%
$/sqft vs Winter Haven actives
$186 vs $171
Days on market
154 vs 42 typical
Where $186/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
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)
200 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 67% 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 305 HERNANDO ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Nov ’25$365,000
1500 8TH STREET SE
3 bd · 2 ba · 2,617 sqft · $139/sqft · 402 DOM
Sold · Jan ’26$385,000
1178 MICHELANGELO LANE
4 bd · 3 ba · 2,503 sqft · $154/sqft · 416 DOM
Sold · May ’26$259,222
1987 8TH STREET SE
3 bd · 3 ba · 2,363 sqft · $110/sqft · 136 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 305 HERNANDO ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 305 HERNANDO ROAD — 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
305 HERNANDO ROAD FAQs
What would the monthly payment be for 305 HERNANDO ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,555/mo — principal and interest, the actual property-tax bill, the $21/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 305 HERNANDO ROAD?+
The association fee works out to $21 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 305 HERNANDO ROAD?+
The most recent tax bill on record (2025) was $4,111. 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 305 HERNANDO ROAD?+
The listing reports pets: Cats OK, Dogs OK. 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 $479,000, this home is listed about 68% 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 305 HERNANDO 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.
The brief
Four things that matter here
01Positioned at the premium end
$479,000 runs 67% above the WINTER HAVEN 33884 median — but at 2,569 sqft it's also 55% larger than the typical Winter Haven listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
154 days on market against a Winter Haven median of 42 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $485,000, now $479,000 — a $6K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of COLDWELL BANKER REALTY · Sherry Sapp. MLS #P4937701.
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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