920 CAMBRIDGE DRIVE, WINTER HAVEN, FL, 33881
Active128 days on marketListed Mar 18, 2026MLS #J998832
About this home
920 CAMBRIDGE DRIVE
Short Sale. SHORT SALE OPPORTUNITY PRICED TO SELL! Welcome to this 2021 built 4-bed 2 bath home located in the growing Windridge community of Winter Haven. This newer construction single story home offers a desirable open-concept floor plan designed for comfortable everyday living and easy entertaining. The spacious kitchen overlooks the main living and dining areas, creating a bright and inviting central gathering space. The primary suite features a private bathroom and ample closet space, while 3 additional bedrooms offer flexibility for guests, family, or a home office setup. Located in one of Winter Haven's expanding residential areas, this property offers convenient access to shopping, dining, schools, and major highways connecting to Lakeland, Orlando, and surrounding Central Florida communities. Perfect opportunity for first-time buyers, investors, or anyone looking to add value in a developing area. Short Sale- subject to lender approval. Property sold as-is.
Facts & features
The home at a glance
4
Bedrooms
2
Bathrooms
1,849
Sqft
0.13 ac
Lot size
2
Garage
2022
Year built
One
Levels
$135
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.
$2,302 /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
$2,302/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
−15.3%
$/sqft vs LUCERNE PARK RESERVE
$135 vs $165
Days on market
128 vs 42 typical
Where $135/sqft sits among the 15 homes for sale in LUCERNE PARK RESERVE
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 33881 — neighborhood snapshot
Population
39,189
Median age
43.6
Median income
$53,867
Median home value
$177,400
Avg household
2.61
Households w/ children
3,730
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)
5 of 15
LUCERNE PARK RESERVE have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 2% above the WINTER HAVEN 33881 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 920 CAMBRIDGE DRIVE
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$282,000
880 CAMBRIDGE DRIVE · same community
4 bd · 3 ba · 1,849 sqft · $153/sqft · 187 DOM
Sold · Feb ’26$260,000
702 PEYTON BROOKE WAY · same community
4 bd · 2 ba · 1,867 sqft · $139/sqft · 60 DOM
Sold · Feb ’26$230,777
837 CAMBRIDGE DRIVE · same community
4 bd · 2 ba · 1,767 sqft · $131/sqft · 17 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
Jessica Torres
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 920 CAMBRIDGE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 920 CAMBRIDGE DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Jessica's phone and CRM.
Straight answers
920 CAMBRIDGE DRIVE FAQs
What would the monthly payment be for 920 CAMBRIDGE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,302/mo — principal and interest, the actual property-tax bill, the $17/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 920 CAMBRIDGE DRIVE?+
The association fee works out to $17 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 920 CAMBRIDGE DRIVE?+
The most recent tax bill on record (2025) was $6,516. 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 920 CAMBRIDGE DRIVE?+
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 $250,000, this home is listed about 12% 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 920 CAMBRIDGE DRIVE?+
Lake Alfred Polytech Academy (middle), Fred G. Garner Academy (elementary), Winter Haven Senior High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
Keep looking
Similar homes nearby
Listing courtesy of STELLAR NON-MEMBER OFFICE · Non-Member Agent. MLS #J998832.
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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