3038 THORNHILL ROAD, WINTER HAVEN, FL, 33880
Active62 days on marketListed Jun 4, 2026MLS #L4962366
About this home
3038 THORNHILL ROAD
This new construction build sits on almost an acre (.72) and is a comfortable and cozy home with 3 bedrooms, 2 bathrooms and 1,467 square feet of living space. A rare opportunity awaits with the neighboring newly constructed home also available for purchase! Whether you're looking to create a private family compound, live next door to parents, grandparents, or siblings, or simply have your best friends as neighbors, this unique offering provides endless possibilities while allowing everyone to enjoy the comfort and privacy of their own beautiful home. The foyer opens to the spacious dining and great rooms, with raised ceilings throughout the home, and there's convenient access to the outdoor patio from the living space. The kitchen features a large island. The primary bathroom boasts a separate shower and tub, and this home comes equipped with ample storage space including two oversized primary walk-in closets, a pantry in the kitchen, a linen closet and a coat closet. The 2-car garage provides additional storage and laundry space. This home is located in a quiet neighborhood off Winter Lake Rd, close to all of the amenities Lakeland or Winter Haven have to offer! With no HOA, there's room for your boat, RV, or other outdoor vehicles. USDA FINANCING AVAILABLE FOR ELIGIBLE BUYERS, WITH NO MONEY DOWN. CALL TODAY FOR MORE DETAILS.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,467
Sqft
0.72 ac
Lot size
2
Garage
2026
Year built
One
Levels
$252
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.
$2,535 /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
$2,535/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
+31%
$/sqft vs Winter Haven actives
$252 vs $170
Days on market
62 vs 48 typical
Where $252/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)
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 30% above the Winter Haven median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 3038 THORNHILL ROAD
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$199,999
233 TEMPLE CIRCLE W · same community
3 bd · 2 ba · 1,296 sqft · $154/sqft · 28 DOM
Sold · Sep ’25$215,000
229 TEMPLE CIRCLE N · same community
3 bd · 2 ba · 1,296 sqft · $166/sqft · 2 DOM
Sold · Dec ’25$205,000
264 TEMPLE CIRCLE S · same community
3 bd · 2 ba · 1,040 sqft · $197/sqft · 70 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 3038 THORNHILL ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3038 THORNHILL ROAD — 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
3038 THORNHILL ROAD FAQs
What would the monthly payment be for 3038 THORNHILL ROAD?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,535/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 3038 THORNHILL ROAD?+
The most recent tax bill on record (2025) was $403. 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 $369,950, this home is listed about 30% above 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 PORCHLIGHT HOMES LLC · Angie Reynolds. MLS #L4962366.
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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