203 MADISON CIRCLE, DAVENPORT, FL, 33896
Active5 days on marketListed Jul 20, 2026MLS #O6426822
About this home
203 MADISON CIRCLE
Welcome to this beautifully renovated 4-bedroom, 3.5-bathroom townhome located in the highly sought-after gated community of Windwood Bay. Move-in ready and thoughtfully updated, this home features upgraded flooring, fresh interior paint, modern finishes, and brand-new appliances—including a washer and dryer. The spacious living and dining areas are perfect for both everyday living and entertaining guests. A standout feature is the primary suite on the first floor, complete with its own private entrance—ideal for use as an in-law suite or guest quarters. Upstairs, you’ll find three additional bedrooms, including a second generously sized primary suite with ample closet space and access to a private balcony—perfect for enjoying your morning coffee or evening unwind. Residents enjoy a low-maintenance lifestyle with access to community amenities such as a swimming pool. Conveniently located near major highways, shopping, dining, and world-renowned attractions, this home offers both comfort and accessibility. Schedule your private tour today.
Facts & features
The home at a glance
4
Bedrooms
3.5
Bathrooms
1,730
Sqft
0.05 ac
Lot size
2003
Year built
Two
Levels
$2
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.
$180 /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
$180/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 Davenport actives
$2 vs $190
Days on market
5 vs 42 typical
Where $2/sqft sits among the 400 Davenport 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.
The investor lens
Two ways this home pays
This home sits inside Windwood Bay, a community zoned to allow true short-term rentals — so it can earn as a nightly rental or a traditional lease. Here’s how the two paths compare.
Short-term rental
Zoned & eligible
Projected nightly rate, occupancy and annual revenue for this exact home.
Long-term rental
$2,295/mo median
Live Davenport rental listing data — this home’s rate depends on size, condition and furnishing.
Where it sits
Inside Windwood Bay
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Windwood Bay is a short-term-rental community. See the full guide →
Windwood Bay — neighborhood snapshot
Population
1,136
Median age
29
Median income
$59,938
Median home value
$291,500
Avg household
3
Households w/ children
147
For the school run
Polk County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The Davenport market
$342K → $363K
Davenport median sold, yr/yr
97.5%
Sale-to-list ratio (12 mo)
165 of 400
Davenport actives have cut their price
Median sold price, Davenport, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 99% below the DAVENPORT 33896 median. See the full Davenport market guide →
Paper trail
This home's history
Reality check
What actually sold near 203 MADISON CIRCLE
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Jan ’26$300,000
319 SAND RIDGE DRIVE · same community
4 bd · 3 ba · 1,960 sqft · $153/sqft · 329 DOM
Sold · Feb ’26$205,000
214 MONROE CIRCLE · same community
3 bd · 2.5 ba · 1,262 sqft · $162/sqft · 39 DOM
Sold · Nov ’25$380,000
368 SAND RIDGE DRIVE · same community
5 bd · 4.5 ba · 3,102 sqft · $123/sqft · 218 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 203 MADISON CIRCLE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 203 MADISON CIRCLE — 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
203 MADISON CIRCLE FAQs
What would the monthly payment be for 203 MADISON CIRCLE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $180/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.
Can 203 MADISON CIRCLE be rented short-term?+
Yes — this home sits inside Windwood Bay, a community zoned to allow short-term rentals. Nightly-rental income could change the math on this purchase entirely; request a free rental income analysis and our team will prepare projections for this exact home.
Are pets allowed at 203 MADISON CIRCLE?+
The listing reports pets: No. 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 Davenport?+
At $2,700, this home is listed about 99% below the Davenport median of $388,995. The market section on this page shows how the area is trending.
Which schools are assigned to 203 MADISON CIRCLE?+
Loughman Oaks Elementary School (elementary), Ridge Community High School (high), Shelley S. Boone Middle School (middle) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Three things that matter here
01Under the DAVENPORT 33896 market on paper
$2,700 is 99% below the DAVENPORT 33896 median of $375,000, and at $2/sqft it sits under the Davenport average of $196.
02Zoned for nightly rentals
Windwood Bay is one of the communities zoned to allow true short-term rentals — nightly income could change the math on this purchase entirely. Ask for the free rental analysis below.
03Fresh on the market
Only 5 days on market in a Davenport market that averages 42 — if it fits, move quickly.
Keep looking
Similar homes nearby
Listing courtesy of SOUTHERN PRESTIGE REALTY INC · Sam Fkiyi. MLS #O6426822.
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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