3440 GRENVILLE DRIVE, WINTER HAVEN, FL, 33884
Active88 days on marketListed May 6, 2026MLS #O6401312
About this home
3440 GRENVILLE DRIVE
Wake up to peaceful water views in this beautifully maintained villa in Winter Haven. This move in ready home features a bright open floor plan with tile and laminate flooring, an oversized kitchen with plenty of space to cook and gather, and an enclosed patio where you can relax and enjoy the tranquil pond setting. All appliances are included, making your transition effortless. Located in Traditions at Lake Ruby, this sought after 55+ community offers true resort style living with a lakefront clubhouse, heated pool and spa, fitness center, tennis and pickleball courts, dog park, and a full calendar of social events. The HOA covers exterior painting, cable, internet, and lawn care so you can spend more time enjoying life. Conveniently close to shopping, dining, major highways, and Legoland. Furniture available separately.
Facts & features
The home at a glance
2
Bedrooms
2
Bathrooms
1,275
Sqft
0.11 ac
Lot size
2
Garage
2006
Year built
One
Levels
$176
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.
$2,298 /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
$2,298/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
−14.6%
$/sqft vs TRADITIONS PH 01
$176 vs $170
Days on market
88 vs 42 typical
Where $176/sqft sits among the 6 homes for sale in TRADITIONS PH 01
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 Traditions
Drive times from this address
Estimated driving times, typical traffic. Data © OpenStreetMap contributors.
Get to know Winter Haven. See the full Winter Haven guide →
Traditions — neighborhood snapshot
Population
1,772
Median age
50
Median income
$59,654
Median home value
$272,712
Avg household
3
Households w/ children
170
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)
3 of 6
TRADITIONS PH 01 have cut their price
Median sold price, Winter Haven, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 21% below the WINTER HAVEN 33884 median. See the full Winter Haven market guide →
Paper trail
This home's history
Reality check
What actually sold near 3440 GRENVILLE DRIVE
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$240,000
3372 LIVINGSTON WAY · same community
2 bd · 2 ba · 1,275 sqft · $188/sqft · 50 DOM
Sold · Dec ’25$250,000
3436 GRENVILLE DRIVE · same community
2 bd · 2 ba · 1,238 sqft · $202/sqft · 56 DOM
Sold · Jul ’26$179,900
2642 RUTLEDGE COURT · same community
2 bd · 2 ba · 1,419 sqft · $127/sqft · 90 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
Dan Schriver
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 3440 GRENVILLE DRIVE — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 3440 GRENVILLE DRIVE — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Dan's phone and CRM.
Straight answers
3440 GRENVILLE DRIVE FAQs
What would the monthly payment be for 3440 GRENVILLE DRIVE?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,298/mo — principal and interest, the actual property-tax bill, the $475/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 3440 GRENVILLE DRIVE?+
The association fee works out to $475 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 3440 GRENVILLE DRIVE?+
The most recent tax bill on record (2025) was $2,872. 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 3440 GRENVILLE DRIVE?+
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 $224,900, this home is listed about 21% below the Winter Haven median of $285,000. The market section on this page shows how the area is trending.
Which schools are assigned to 3440 GRENVILLE DRIVE?+
Chain Of Lakes Elementary School (elementary), Lake Region High School (high) — Polk County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the WINTER HAVEN 33884 market on paper
$224,900 is 21% below the WINTER HAVEN 33884 median of $284,315.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Time on market is leverage
88 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 $254,900, now $224,900 — a $30K cut. The full history is in the market section below.
Keep looking
Similar homes nearby
Listing courtesy of LOVELAND PROPERTIES · Cleve Loveland. MLS #O6401312.
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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