205 FERN ROAD, WINTER HAVEN, FL, 33880
Active6 days on marketListed Aug 13, 2026MLS #S5155367
About this home
205 FERN ROAD
Enjoy Florida living with your own private pool and plenty of space to spread out in this recently remodeled 3-bedroom, 2-bathroom Winter Haven home. Inside, the spacious floor plan offers an open main living area where the family room, dining space, and kitchen flow together, creating a comfortable setting for both everyday living and entertaining. Recent updates throughout give the home a fresh, updated feel, including new flooring throughout. The updated kitchen features brand-new cabinets and countertops, stainless steel appliances, and a large island that provides generous prep space and additional seating. One of the home's standout features is the additional flex room, giving you even more room to make the home work for your lifestyle. Use it as a second living area, game room, home office, playroom, or entertainment space. Sliding glass doors fill the room with natural light and open directly to the covered patio, extending the living space outdoors. The primary bedroom features its own private bathroom and closet, while two additional bedrooms and a second full bathroom provide flexibility for family, guests, or a home office. The neutral interior and open layout make the home feel bright and inviting while offering plenty of possibilities for personalizing each space. Step outside to your own private backyard retreat featuring a remodeled pool with new tile and a freshly painted pool deck, perfect for relaxing, entertaining, or enjoying Florida's beautiful weather. The covered patio extends the living space outdoors and provides a great spot for dining or unwinding by the pool. With plenty of surrounding backyard space, there's room to enjoy sunny afternoons by the water or relax beneath the covered patio. With a recently remodeled interior, updated kitchen, new flooring, remodeled pool, multiple living spaces, a flexible floor plan, and indoor-outdoor living, this Winter Haven home brings together the space and features that make everyday Florida living easy to enjoy.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,800
Sqft
0.19 ac
Lot size
1976
Year built
One
Levels
$181
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.
$2,295 /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
$2,295/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
−2%
$/sqft vs Winter Haven actives
$181 vs $169
Days on market
6 vs 49 typical
Where $181/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 →
The numbers that matter
The Winter Haven market
$283K → $280K
Winter Haven median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
206 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 14% above the Winter Haven median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 205 FERN ROAD
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Dec ’25$335,000
4409 BURLINGTON DRIVE
3 bd · 2 ba · 1,814 sqft · $185/sqft · 91 DOM
Sold · Jul ’26$302,000
814 SUNSET COVE DRIVE
4 bd · 2 ba · 1,768 sqft · $171/sqft · 10 DOM
Sold · Sep ’25$375,000
103 LAKE THOMAS DRIVE
3 bd · 2 ba · 1,834 sqft · $204/sqft · 112 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
Jennifer Reinbolt
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 205 FERN ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 205 FERN ROAD — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Jennifer's phone and CRM.
Straight answers
205 FERN ROAD FAQs
What would the monthly payment be for 205 FERN ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,295/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 205 FERN ROAD?+
The most recent tax bill on record (2025) was $938. 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 $325,000, this home is listed about 14% above the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
The brief
Three things that matter here
01Positioned at the premium end
$325,000 runs 14% above the Winter Haven median.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Fresh on the market
Only 6 days on market in a Winter Haven market that averages 49 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of EXP REALTY LLC · Steve Pugh. MLS #S5155367.
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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