1325 DIEGO TERRACE, WINTER HAVEN, FL, 33884
Active10 days on marketListed Jul 27, 2026MLS #O6428406
About this home
1325 DIEGO TERRACE
Welcome to your dream home in the heart of Winter Haven's sought-after Peace Creek Reserve community! This stunning two-story Atlanta Plan offers 4 bedrooms, 2.5 bathrooms, and 1,933 square feet of thoughtfully designed living space that perfectly balances comfort with style with custom built-in blinds, custom closets in bedrooms & designer touches such as accent wall in living room with floating shelf that will be staying with the home! Step inside to discover an open floor plan that flows seamlessly from the great room to the dining area and into a chef's dream kitchen. The heart of the home features a large island complemented by quartz countertops, stainless steel appliances, and a generous pantry. The casual dining area opens to a lanai through sliding glass doors, creating an effortless indoor-outdoor living experience. Yard is fenced in with built in gazebo and kids playground that are staying with the home! Upstairs, the primary bedroom retreat awaits with a luxurious en-suite bathroom featuring a spacious walk-in shower, dual vanity, and a walk-in closet. Three additional bedrooms, a full bathroom, and a versatile loft provide plenty of space for family, guests, or that home office you've been dreaming about. The convenient second-floor laundry room means no more hauling baskets up and down stairs. Peace Creek Reserve offers the perfect blend of small-town charm and modern convenience, nestled near Winter Haven's famous chain of lakes connected by scenic canals. Publix within 5 minutes, 10 minutes to Legoland Florida, 10 minutes to Cypress Gardens plus easy access to US 27 where you will find tons of shopping, dining and theaters! Locaated an hour from Orlando and an hour from Tampa Bay for easy commute!
Facts & features
The home at a glance
4
Bedrooms
2.5
Bathrooms
1,933
Sqft
0.15 ac
Lot size
2
Garage
2024
Year built
Two
Levels
$160
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.
$2,663 /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
$2,663/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
+3.5%
$/sqft vs Winter Haven actives
$160 vs $170
Days on market
10 vs 48 typical
Where $160/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)
194 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 9% 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 1325 DIEGO TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’25$284,840
2219 CHRIS DRIVE · same community
4 bd · 2.5 ba · 1,880 sqft · $152/sqft · 20 DOM
Sold · Jan ’26$275,000
2146 CHRIS DRIVE · same community
4 bd · 2.5 ba · 1,880 sqft · $146/sqft · 16 DOM
Sold · May ’26$254,999
1546 JESSICA BOULEVARD · same community
4 bd · 2.5 ba · 1,880 sqft · $136/sqft · 66 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 1325 DIEGO TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 1325 DIEGO TERRACE — 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
1325 DIEGO TERRACE FAQs
What would the monthly payment be for 1325 DIEGO TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,663/mo — principal and interest, the actual property-tax bill, the $16/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 1325 DIEGO TERRACE?+
The association fee works out to $16 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 1325 DIEGO TERRACE?+
The most recent tax bill on record (2025) was $6,300. 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 1325 DIEGO TERRACE?+
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 $310,000, this home is listed about 9% 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 1325 DIEGO TERRACE?+
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 COMPASS FLORIDA LLC · Maritza Saint Hilaire. MLS #O6428406.
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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