438 MONROE CIRCLE, DAVENPORT, FL, 33896
Active16 days on marketListed Jul 9, 2026MLS #S5151885
About this home
438 MONROE CIRCLE
Come to see this modern & comfortable End-Unit townhouse, located in the desirable & peaceful community of Windwood Bay, at just few minutes from Disney. The property features the comfortability of two master suites, one of them is an inlaw suite with its own entrance for adding more privacy, ceramic tile in the living room & all wet areas, & solid wood flooring in all bedrooms, stainless steel appliances, washer & dryer is included, & much more!! The elegance of this townhouse will transport you immediately to want to make it your own place. This property has all that a person could dream of to enjoy with the family! It comes fully furnished, however this is negotiable if tenant has its own furniture. Make your showing appointment today!
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
1,730
Sqft
0.05 ac
Lot size
2003
Year built
Two
Levels
$1
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Principal and interest plus estimated taxes and insurance. Run your own numbers below.
$175 /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
$175/mo
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.
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.
$/sqft vs Davenport actives
$1 vs $189
Days on market
16 vs 42 typical
Where $1/sqft sits among the 400 Davenport 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.
The investor lens
Two ways this home pays
This home sits inside Windwood Bay, 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 · projected
$38,517/yr gross
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,295/mo median
Live Davenport rental listing data — this home’s rate depends on size, condition and furnishing.
The Florida short-term market
▼ Softening46%
Occupancy
▼ 35% yr/yr
$302
Avg nightly rate
▲ 16% yr/yr
$31K/yr
Revenue per listing
$138
RevPAR
70 days
Booking lead time
5.9 nights
Avg stay
3
Typical min nights
3,730
Active rentals
▲ 7% supply
Seasonality — monthly occupancy
Peaks at 55% in Mar · bottoms at 36% in Jun
Last 12 months of data, January–December, bars scaled to the seasonal peak. Market-wide averages across all home sizes in Florida — the projection above is specific to this home’s size.
Where it sits
Inside Windwood Bay
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Windwood Bay is a short-term-rental community. See the full guide →
Windwood Bay — neighborhood snapshot
Population
1,136
Median age
29
Median income
$59,938
Median home value
$291,500
Avg household
3
Households w/ children
147
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Davenport market
$342K → $363K
Davenport median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
165 of 400
Davenport actives have cut their price
Median sold price, Davenport, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the DAVENPORT 33896 median. See the full Davenport market guide →
Paper trail
This home's history
Reality check
What actually sold near 438 MONROE CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$300,000
319 SAND RIDGE DRIVE · same community
4 bd · 3 ba · 1,960 sqft · $153/sqft · 329 DOM
Sold · Feb ’26$205,000
214 MONROE CIRCLE · same community
3 bd · 2.5 ba · 1,262 sqft · $162/sqft · 39 DOM
Sold · Nov ’25$380,000
368 SAND RIDGE DRIVE · same community
5 bd · 4.5 ba · 3,102 sqft · $123/sqft · 218 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 438 MONROE CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 438 MONROE CIRCLE — 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
438 MONROE CIRCLE FAQs
What would the monthly payment be for 438 MONROE CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $175/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 438 MONROE CIRCLE be rented short-term?+
Yes — this home sits inside Windwood Bay, 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 438 MONROE CIRCLE?+
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 Davenport?+
At $2,100, this home is listed about 99% below the Davenport median of $388,995. The market section on this page shows how the area is trending.
Which schools are assigned to 438 MONROE CIRCLE?+
Loughman Oaks Elementary School (elementary), Ridge Community High School (high), Shelley S. Boone 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 LA ROSA REALTY CENTRAL FLORIDA LLC · Yarahi Reynaldo. MLS #S5151885.
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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