3206 HERON COVE, WINTER HAVEN, FL, 33884
Active612 days on marketListed Nov 29, 2024MLS #L4949141
About this home
3206 HERON COVE
BUYER COULDN'T SECURE FINANCING.. BACK ON MARKET! Welcome to 3206 Heron Cove. As you step into the foyer, you'll find an expansive main living area which boasts spacious living & dining areas, as well as a large family room. These areas, combined with a luxury kitchen create an unbelievable space for your loved ones to gather. The kitchen flaunts tons of cabinetry & granite counters, a cooking island, a HUGE walk-in pantry, a breakfast bar, casual dining nook, and it comes fully equipped with all of the appliances. So much space and versatility for entertaining. Each of the bedrooms are generously sized and a split layout lends everyone privacy of their own. You’ll especially love the master suite. It has a large private bathroom with a jetted tub, a step-in shower, separate vanity/sinks, and dual walk-in closets with organizers- making it easy to share space without much overlap. In addition to the bedrooms, there's also an office, as well as a bonus room that could also be used as a home office or craft/hobby room. Outdoors is just as impressive as the interior and has its own list of fantastic amenities. There is a wonderful screened lanai that houses a heated swimming pool & spa and has a large covered area with summer kitchen. Overlooking the large backyard, it’s sure to be your favorite spot to relax & entertain. Too many to list, the extras & improvements here include high & tray ceilings and 8' doors throughout, an inside laundry rm (appliances included), dual CHA systems, a security system, an irrigation system, a whole house generator system, and much more. Situated on a little less than ½ acre in a quiet, exclusive gated community, this fabulous find is conveniently located with easy access to shopping and restaurants. BRAND NEW ROOF INSTALLED 10/2025! Schedule your appointment today! OWNER MOTIVATED!!
Facts & features
The home at a glance
3
Bedrooms
2.5
Bathrooms
3,050
Sqft
0.46 ac
Lot size
2
Garage
2002
Year built
One
Levels
$192
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.
$4,211 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
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
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,211/mo
Includes estimated PMI — it drops off once you reach 20% equity. 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.
$/sqft vs Winter Haven actives
$192 vs $170
Days on market
612 vs 42 typical
Where $192/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
$285K → $287K
Winter Haven median sold, yr/yr
97.3%
Sale-to-list ratio (12 mo)
190 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 106% 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 3206 HERON COVE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · May ’26$772,000
3211 HERON COVE · same community
4 bd · 3.5 ba · 3,480 sqft · $222/sqft · 57 DOM
Sold · Jul ’26$770,000
3204 HERON COVE · same community
4 bd · 3.5 ba · 3,640 sqft · $212/sqft · 236 DOM
Sold · Sep ’25$1,700,000
3312 EAGLES TRACE · same community
4 bd · 5.5 ba · 5,986 sqft · $284/sqft · 2 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
Kat Bonelli
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3206 HERON COVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3206 HERON COVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Kat's phone and CRM.
Straight answers
3206 HERON COVE FAQs
What would the monthly payment be for 3206 HERON COVE?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,211/mo — principal and interest, the actual property-tax bill, the $200/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 3206 HERON COVE?+
The association fee works out to $200 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3206 HERON COVE?+
The most recent tax bill on record (2024) was $5,710. 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 3206 HERON COVE?+
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 $584,900, this home is listed about 105% 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 3206 HERON COVE?+
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.
The brief
Four things that matter here
01Positioned at the premium end
$584,900 runs 106% above the WINTER HAVEN 33884 median — but at 3,050 sqft it's also nearly twice the size of the typical Winter Haven listing.
02Your own pool
A private pool — the feature Florida buyers ask for first, already in the ground and included in the price.
03Time on market is leverage
612 days on market against a Winter Haven median of 42 — sellers in this position are usually ready to negotiate.
04The price has already moved
Listed at $699,900, now $584,900 — a $115K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of THE MARKET REALTY COMPANY · Cindy Strouse. MLS #L4949141.
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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