2604 TANOAK TERRACE, WINTER HAVEN, FL, 33881
Active44 days on marketListed Jun 22, 2026MLS #S5152331
About this home
2604 TANOAK TERRACE
Virtually Staged. Stylish & Spacious Townhome Living in Winter Haven | 2 Bed • 2.5 Bath | Modern Comfort ! Welcome home to this beautifully designed 2-bedroom, 2.5-bath townhome located at 2604 Tanoak Ter, Winter Haven, FL 33881—offering the perfect blend of comfort, convenience, and modern living. Step inside to an inviting open-concept layout designed for everyday ease and entertaining. The spacious living area flows seamlessly into a well-appointed kitchen with ample cabinetry and functional counter space, making meal prep and hosting a breeze. Each bedroom features generous space and privacy, with two full bathrooms upstairs plus a convenient half bath downstairs for guests. Enjoy low-maintenance living in a quiet, well-located community close to shopping, dining, schools, and major roadways—putting everything you need just minutes away. Whether you're a working professional, small family, or anyone seeking a comfortable and modern rental, this home delivers both style and practicality in one great package. Don’t miss out—schedule your showing today and experience easy living in the heart of Winter Haven!
Facts & features
The home at a glance
2
Bedrooms
2.5
Bathrooms
1,425
Sqft
5.89 ac
Lot size
1
Garage
2024
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.
$173 /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
$173/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 Winter Haven actives
$1 vs $170
Days on market
44 vs 48 typical
Where $1/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)
197 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 99% below the Winter Haven median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 2604 TANOAK TERRACE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Oct ’25$215,000
1338 33RD ST NW
3 bd · 2 ba · 1,458 sqft · $147/sqft · 161 DOM
Sold · Apr ’26$136,000
1776 6TH STREET NW UNIT 808
2 bd · 2 ba · 1,347 sqft · $101/sqft · 112 DOM
Sold · Jul ’26$110,000
1776 6TH STREET NW UNIT 303
2 bd · 2 ba · 1,347 sqft · $82/sqft · 777 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
Eric Chery
Real Estate Agent · CENTURY 21 Edge
Tours, negotiation, and every question about 2604 TANOAK TERRACE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 2604 TANOAK TERRACE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Eric's phone and CRM.
Straight answers
2604 TANOAK TERRACE FAQs
What would the monthly payment be for 2604 TANOAK TERRACE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $173/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.
Are pets allowed at 2604 TANOAK TERRACE?+
The listing reports pets: Size Limit, 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 $1,795, this home is listed about 99% below 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 TRANSCEND REALTY · Jacob Hara. MLS #S5152331.
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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