4734 MONTEREY DRIVE, WINTER HAVEN, FL, 33880
Active1 days on marketListed Aug 9, 2026MLS #L4964145
About this home
4734 MONTEREY DRIVE
Virtually Staged. This 4-bedroom, 3-bathroom, two-story home is tucked away on a cul-de-sac beneath beautiful mature oaks. Situated on .44 acres with no HOA, the property provides plenty of room and flexibility to make it your own.Step inside to soaring ceilings, exposed wood beams, warm flooring, and a dramatic stone fireplace that gives the home its inviting character. The kitchen features granite countertops, stainless-steel appliances, rich cabinetry, and a breakfast bar that keeps everyone connected. One bedroom and a full bathroom are located downstairs, while three additional bedrooms are upstairs. The primary suite opens to an oversized screened balcony overlooking the tree-shaded backyard—the perfect place to enjoy a quiet morning or relax at the end of the day. Outside, the expansive backyard is ready for gatherings, gardening, recreation, or the outdoor retreat you’ve been imagining. Multiple screened areas create inviting places to enjoy the outdoors, while the attached two-car garage adds everyday convenience. For added peace of mind, the seller will have a NEW ROOF installed before closing. Come experience the space, charm, and possibilities that make this home truly special.
Facts & features
The home at a glance
4
Bedrooms
3
Bathrooms
2,687
Sqft
0.44 ac
Lot size
2
Garage
1981
Year built
Two
Levels
$164
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.
$3,235 /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
$3,235/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
−26%
$/sqft vs NOT IN SUBDIVISION
$164 vs $256
Days on market
1 vs 48 typical
Where $164/sqft sits among the 125 homes for sale in NOT IN SUBDIVISION
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
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
61 of 125
NOT IN SUBDIVISION have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 54% above the Winter Haven median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 4734 MONTEREY DRIVE
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$35,658
308 MARTIN LUTHER KING BOULEVARD · same community
4 bd · 2 ba · 2,712 sqft · $13/sqft · 43 DOM
Sold · Dec ’25$485,000
4510 CINDY ROAD · same community
4 bd · 4 ba · 2,520 sqft · $192/sqft · 86 DOM
Sold · Mar ’26$1,450,000
3800 GERBER DAIRY ROAD · same community
3 bd · 2 ba · 2,406 sqft · $603/sqft · 14 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
Freddy Flores
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 4734 MONTEREY DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 4734 MONTEREY DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Freddy's phone and CRM.
Straight answers
4734 MONTEREY DRIVE FAQs
What would the monthly payment be for 4734 MONTEREY DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,235/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 4734 MONTEREY DRIVE?+
The most recent tax bill on record (2025) was $3,488. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
How does the price compare to other homes in Winter Haven?+
At $439,900, this home is listed about 54% above the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of PROPERTY SHOPPE OF CENTRAL FL · Damon Trueman. MLS #L4964145.
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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