628 RIDGE TERRACE Winter Haven, FL $ 169,000
628 RIDGE TERRACE
$ 169,000
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628 RIDGE TERRACE

Winter Haven, FL, 33881
$ 169,000
Bedrooms3 Baths2.0 Sq 1,073

Monthly Estimate*

$ 1,054

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Condo for sale in Winter Haven, FL

for $169,000 with 3 bedrooms and 2 full baths. This 1,073 square foot condo was built in 1999 on a lot size of 0.03.

Updated 3-Bed, 2-Bath Condo in a Lakefront Community! Experience easy Florida living in this beautifully updated 3-bedroom, 2-bath single-story condo in the desirable Winter Ridge community on Lake Smart. Enjoy new plank floors, an open living area, and a spacious screened-in patio — perfect for morning coffee or evening relaxation. The community offers lake access and a sparkling pool, giving you the best of the Florida lifestyle without the upkeep. Conveniently located near Central Florida’s top attractions and theme parks, this home combines comfort and accessibility. With an affordable HOA and low-maintenance design, it’s a smart move for anyone ready to stop renting and start owning — all while keeping monthly costs manageable. Modern, welcoming, and perfectly located — this condo checks all the right boxes.

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Condo Active

Price

$ 169,000

Bedrooms

3

Full Bath

2

Property Type

Condo

Taxes

$ 1,790

Style

Condominium

Lot Size

0.03

Year Built

1999

Town/City

Winter Haven

County/Region

Polk

MLS | Web ID

L4956747

Features
Interior
Interior Amenities ceiling fan(s) living room/dining room combo primary bedroom main floor split bedroom
Flooring laminate tile
Total Stories 1
Air Conditioning Y/N yes
Heating Y/N yes
Fireplace Y/N no
Half Baths 0
Laundry Features inside
Total Bedrooms 3
Total Baths 2
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General
Sewer public sewer
Heating central
Cooling central air
Utilities bb/hs internet available cable available electricity available phone available water available
Roof shingle
Appliances dishwasher dryer microwave range refrigerator washer
HOA Fee 651
Association Fee Includes maintenance structure maintenance grounds
Construction Materials block
Pets Allowed yes
Year Built 1999
Levels one
Property Subtype condominium
Tax Year 2024
Ownership fee simple
Waterfront Features lake
Community Features lake clubhouse pool
Assoc Fee Paid Per quarterly
County polk
New Construction no
Property Type residential
HOA Y
Subdivision Name winter ridge condo
Facing Direction east
Garage Y/N no
Total Rooms 6
Full Baths 2
Status active
Directions traveling north on lucerne park rd. turn left onto winter ridge dr. follow to ridge terrace and turn left. home will be on your left.
High School winter haven senior
City winter haven
Association Name christopher ward
Senior Community Y/N no
MLS Area 33881 - winter haven / florence villa
Lot Size Units square feet
Lot Size Square Feet 1140
Carport Y/N no
Listing Terms cash conventional
Elementary School lake alfred elem
Land Lease Y/N no
Tax Annual Amount 1790
Middle/Junior High School denison middle
Additional Parcels Y/N no
Lease Considered Y/N yes
Virtual Tour https://www.propertypanorama.com/instaview/stellar/l4956747
Building Area Units square feet
Living Area Units square feet
Standard Status active
Occupancy Type vacant
Tax Lot 740
Legal Description winter ridge condominiums or 3047 pgs 2235 thru 2286 unit 174 and undivided interest in the common elements as per condo declaration
Water Access Type lake - chain of lakes
Pet Size Limit medium (36-60 lbs.)
Minimum Lease no minimum
Water Access Y/N yes
Monthly HOA Amount 217
HOA Monthly Maintenance 0
Water View Y/N no
Flood Zone Code x
DockY/N no
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Exterior
Exterior Amenities lighting
Water Source public
Lot Size Area 1140
Foundation Details slab
Building Area Total 1073
Lot Size Acres 0.03
Road Surface Type paved
Private Pool no
Waterfront Y/N no
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Internal Only
Street Number 1 628
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* Excluded Features
List By
Keller Williams Realty Smart

Broker

casandra@kw.com

Email

Affordability Calculator

$1,204
Per Month
88%
12%
0%
Monthly Principal & Interest
$1,054
Monthly Property Taxes
$149
Monthly Home Insurance
--
Default based on a 30-year fixed rate of 6.375% with 20% down. The estimated payment is offered for convenience and is not an offer of credit. Due to market fluctuations, interest rates are subject to change at any time and without notice. Your individual rate may vary. Rates may differ for FHA, VA or jumbo loans.
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Nearby
4575472 Elementary School
3325411 Middle School
Winter Haven Senior High School High School
Pricing History
DatePricePrice ChangeDescription
10/23/2025$169,000 Listed Price

Map


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628 RIDGE TERRACE, Winter Haven, FL, 33881 is a Condo for sale at $169,000 with 1,073 sqft and a lot size of 0.03. 628 RIDGE TERRACE has 3 bedrooms, 2.0 baths, and was built in 1999. The property's zip code is 33881 which is in Winter Haven, FL